The financial OS for high-ticket lending

One system. Every lender. Every channel. Every outcome — managed from one place.
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Approval engine
Application experience
Omnichannel selling
Operations & controls
Embedded flows
Intelligence & optimization
Approval engine
A multi-lender application workflow that helps merchants route financing applications through participating lenders based on configured program criteria, product availability, and application details.
Multi-lender routing
Matches and routes each application to participating lenders by program criteria, product, and applicant profile.
Decline rescue
If one participating lender declines, the workflow continues to the next configured lender — no restart.
Partial approval handling
When an approval falls short of the requested amount, the deal keeps moving toward completion.
Full credit spectrum (500–850)
Supports participating lender programs across a broad range of consumer credit profiles.
Ticket sizes $1k–$750k
From smaller purchases to larger projects, procedures, and installations.
Real-time lender responses
Participating lenders respond quickly, so deals keep moving.
Application experience
A clear, branded application experience designed to help consumers provide the information participating lenders need while keeping the merchant workflow simple.
One guided application
Apply once in a single branded flow — no juggling separate lender forms.
Soft credit check, no impact
See real offers without affecting the credit score to view options.
Mobile-first
Complete the whole application from a phone in minutes.
Fully branded
Your logo and colors throughout — no lender URLs or redirects.
Clear, comparable offers
Available options and terms shown in a clean, organized way.
Private & secure
Hand-off mode lets customers finish sensitive details on their own device.
Omnichannel selling
Support financing across in-person, remote, and digital sales environments with one workflow for merchants, reps, coordinators, and customers.
In-person, remote, or online
Start financing in the room, over the phone, or on the web — one workflow.
QR codes, links & widgets
Share tools that live on sites, invoices, flyers, or texts.
Rep-initiated, customer-completed
A rep starts the application; the customer finishes privately on their own device.
SMS & email invites
Invite customers to apply through branded text or email.
Operations & controls
Tools designed for real-world financing operations — from application tracking and team workflows to lender setup, controls, and reporting.
Application & pipeline tracking
Every application from submission to funding in one view.
Roles & permissions
Invite team members and control who can see and do what.
Multi-location management
Run locations, teams, and regions from one operational layer.
Lender & program setup
Configure participating lender programs, products, and eligibility rules.
Reporting & performance
Track funded volume, approvals, and team output.
Audit & activity logs
Full traceability for governance and compliance.
Embedded flows
Bring financing into the places where customers already make decisions — websites, quotes, proposals, portals, and partner platforms.
Embed via widget, link, or QR
Drop financing into websites, quotes, proposals, and portals.
API & platform integration
Native into POS, CRM, EHR, FSM, ERP, and marketplace platforms.
White-label & co-branded
Run financing fully under your or your partner’s brand.
Native to the buying moment
Surface financing right where customers decide — no handoffs.
Intelligence & optimization
Operational insights that help teams understand financing activity, workflow performance, and application movement across participating lenders.
Routing insight
See how applications move across participating lender programs and where coverage is thin.
Drop-off detection
Spot where applications stall and where to follow up.
Funnel & conversion analytics
Track performance by rep, channel, product, and location.
Program performance
Compare how lender programs, products, and promotions perform across your business.
Open opportunities
See which deals are still in play and worth a follow-up.
Recommendations
Data-driven nudges that help teams act at the right moment.
Ottri industries

A complete financing hub for high-ticket decisions

Ottri supports high-ticket decisions wherever they happen, in person, online, or embedded, across locations, teams, and regions