Precision Matching
Verified Merchant Onboarding
Lender Portal: A Live Operating Layer
Full Program Control
Precision Matching
Ottri does not send your program broad, undifferentiated volume. Applications are matched and routed based on your exact program criteria, including credit band, geography, ticket size, merchant profile, product type, promotional structure, and other policy inputs. Your team receives the borrowers and transactions your program is built to approve and fund, not random flow across the market.
Verified Merchant Onboarding
Merchants are onboarded and validated upstream before applications begin flowing. Business identity, ownership, banking, vertical, location, and operating context are captured early, with merchant eligibility controls enforced before volume reaches your program. Where applicable, licensing status and business verification can also be captured as part of onboarding. That gives your team cleaner merchant-linked files, stronger traceability, and less operational friction from submission to funding.
Lender Portal: A Live Operating Layer
Ottri gives your team real-time visibility across merchant onboarding, application flow, status changes, approvals, funded deals, and program performance. Track volume by merchant, vertical, geography, credit profile, ticket size, program, and stage, with upstream onboarding data and full file context preserved from the start. Your team does not just receive files. It receives the visibility needed to understand performance, improve feedback loops, and scale with more control.
Full Program Control
You control the parameters: credit policy, geography, product eligibility, merchant eligibility, ticket range, promotional structure, and routing logic. Launch where you want, expand where performance proves out, and pause where needed. Ottri routes to your rules, not generic waterfall logic.
Structured For Flexibility
Our integration team works closely with yours from start to finish, ensuring everything runs smoothly from planning to launch. We handle program mapping, data setup, testing, and more, so you can focus on what you do best. Choose from various integration options like API, file-based workflows, or a mix that suits your needs. After launch, a dedicated partner lead will be there to support you, offering personalized help beyond just a ticket system.
A Distribution Engine That Expands With the Network
Ottri grows lender volume through three embedded channels:
Distribution Partners
ISOs, advisory firms, agencies, and vertical operators bring merchants onto Ottri under their own brand and relationship model.
Invite team members and assign roles and permissions
Create rep accounts and track performance by link and portfolio
Manage merchant portfolios including multi location structures
Embedded Platforms
CRMs, EMRs, practice management systems, and job management platforms embed Ottri directly into their software.
Invite team members and assign roles and permissions
Create rep accounts and track performance by link and portfolio
Manage merchant portfolios including multi location structures
Direct Merchants
Merchants adopt Ottri to expand approval coverage, improve financing conversion, and offer financing through one unified flow.
Invite team members and assign roles and permissions
Create rep accounts and track performance by link and portfolio
Manage merchant portfolios including multi location structures
All three channels feed the same routing infrastructure. Your programs sit inside it. As more merchants, partners, and platforms activate, your reach expands through the same integration, with matching aligned to your exact program criteria. New distribution does not create random flow. It creates more policy-fit volume.
Current focus
Home improvement and elective medical
Security, Auditability, and Operational Discipline
Ottri is built for deep lender collaboration. Lenders have the ability to track all relevant data in real time with time stamps and audit trails. Ottri's lender platform offers the control and visibility lenders need.
Lender-Ready Files
By the time a file reaches your program, borrower, merchant, and transaction context have already been structured in a normalized format. Your team is not receiving just an applicant. It is receiving a cleaner, lender-ready file designed for faster intake, more efficient decisioning, and fewer manual follow-ups. No comparison marketplace. No lead resale. No serial decline stacking that distorts the file before it reaches your program
Your Programs. Your Credit Box. Our Infrastructure.
Ottri is not a lender, and we do not compete with your programs. You keep underwriting, pricing, and servicing. We provide the embedded distribution infrastructure, verified merchant onboarding, lender-ready intake and precision matching that connect your programs to the merchants and borrowers they were built for.