Ottri turns a single, fully branded financing application into approvals across prime, near-prime, and sub-prime lenders — without sending the applicant to a third-party site or asking them to apply more than once. One application goes in; the strongest available offer comes back.
For merchants selling high-ticket products, that routing is the difference between a closed sale and a lost one. Below is how the waterfall actually works.
What is a multi-lender financing waterfall?
A financing waterfall is a routing engine that passes one loan application through a ranked sequence of lenders until it finds the best approval. Instead of integrating a single lender — and turning away every customer that lender declines — a merchant connects once to Ottri and reaches an entire network.
The applicant never sees the machinery. They complete one branded form, and Ottri handles the routing, decisioning, and hand-off in the background.
How does the routing decide which lender to try?
Ottri evaluates each application against the eligibility and appetite of every connected lender, then routes in tiers:
- Prime lenders are offered first, for the lowest cost of capital to the borrower.
- Near-prime lenders catch applicants who fall just outside prime criteria.
- Sub-prime lenders provide a path to approval for thin-file or lower-score applicants.
Because the routing is tiered, a borrower who would be a flat decline with a single prime lender can still walk away approved — at terms appropriate to their profile.
Why does single-application routing matter for merchants?
Every extra application step costs conversions. A flow that bounces a declined customer to "try another lender" loses most of them. By keeping the experience to one branded application, Ottri:
- Raises approval rates by pooling lender appetite across the credit spectrum.
- Preserves the merchant's brand through the entire checkout.
- Increases average ticket size, because buyers who can finance buy more.
Approvals are a conversion lever, not just a credit outcome. Widening the lender pool widens the top of the funnel.
Where Ottri fits
Ottri is the infrastructure layer between a merchant's checkout and the lending market — branded for the merchant, owned end-to-end, and built for the industries where a single approval decides whether the sale happens at all.
Frequently asked questions
- Does Ottri originate the loans?
- No. Ottri is a financial technology company and does not originate credit. All financing services, credit products, and lending decisions are made by Ottri's lender partners.
- Does one application trigger multiple hard credit pulls?
- No. The applicant completes a single branded application. Ottri routes it across lender tiers using soft-pull pre-qualification where supported, so applicants see real offers without stacking hard inquiries.
- Which industries does Ottri support?
- Ottri focuses on high-ticket industries such as home improvement and elective medical, where a single sale can range from a few thousand to tens of thousands of dollars.
