Multi-lender asphalt paving financing for contractors.
Homeowners know the leftover-asphalt crews. Leave a written estimate; they apply under your brand on their phone after you go, and participating lenders weigh it in turn. No setup fee or subscription.
Tear-outs, overlays, new driveways, lanes.
For residential pavers and sealcoaters.
Eligible programs pay your company.
Branded to you; never sold as a lead.
No setup fee · No subscription · No minimums to sign up
Banks and Lenders
20
Finance projects up to
$750K
Full credit coverage
300–850
One application. Eligible lenders, considered in sequence.
Ottri is a customer financing platform for residential paving contractors: one branded application for removal, base, grading and paving, which participating lenders consider in turn. It finances the homeowner’s driveway, not your equipment. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Driveway promotions can cost the contractor. Ottri costs you nothing.
Lender promotions often come with a fee paid from the job’s margin. Here’s one published schedule, beside Ottri.
−$700
A 12-month promo
On an $8,800 tear-out and repave, one national lender’s 2019 schedule charged pavers a 7.99% dealer fee on 12 months of same-as-cash, about $700, and 13% on 24 months, about $1,140.
$1,500+
A yearly platform fee
Subscription platforms bill $1,500 to $6,000 a year, paving season or plant shutdown.
$0
Ottri never charges you
No setup fee, no subscription and no share of the driveway. Eligible programs pay your company directly, and if a lender’s promotion has its own fee, offering it is up to you.
No setup fee · No subscription · No minimums to sign up
Promotion costs: one 2019 national lender schedule, 7.99% of the loan for 12 months same-as-cash and 13% for 24. Platform fees: published plan prices, July 2026.
What a paving company needs to offer customer financing.
Sales and the office
From an overlay on a sound base to a 500-foot rural lane, most jobs are paved in a day or two, and every application sits in one dashboard.
Run financing from one dashboard
Each driveway’s offers, open items and payments, from estimate to paving day.
Track every application
Find homeowners who started an application after the estimate and stopped.
Track funded volume
See funded driveways by estimator and by month.
Manage supported promotions
Choose which lender promotions to offer, with each cost to you shown first.
Estimates
Estimators leave the link on the written estimate. Owners see which estimators’ visits turn into submitted applications.
Work from the field
Put the QR code on the printed estimate, or text the link from the truck.
Measure tools and rep adoption
Compare estimators by the applications their estimates start.
Measure every entry point
See if homeowners start from the estimate’s QR code, a text or your site.
Keep the experience branded
Every screen shows your company’s name, so the homeowner knows who sent it.
The homeowner reads your written estimate, then applies from their own phone.
One application, multiple programs
Removal, base, grading and paving share one application that participating lenders weigh one at a time.
Direct-to-business funding
On eligible programs, approved funds go to your company from the lender.
Links, QR codes, and messages
A QR code on the estimate, a link by text, or a link in your follow-up email.
Homeowner-friendly experience
Each offer’s terms reach the homeowner’s phone, to read once the estimator has gone.
Your business stays front and center
From estimate to paving day, the application carries your company’s name.
Available promotions
See what a lender promotion would cost your company before it goes on an estimate.
Stalled driveways, and which estimates start applications.
Spot what’s waiting
Find driveways waiting on a document, a signature or a permit.
Keep follow-up in one place
Close out lender requests before the crew is scheduled.
Keep crews scheduled
The office sees which driveways have financing set before the plant date.
See what starts applications
See which link starts more applications: the estimate’s QR code, a text or your site.
Compare estimators
See whose estimates turn into applications.
Improve distribution
Put the link on estimates, follow-up texts and your paving page.
One no shouldn’t cost the driveway; Ottri’s network has 20 lenders. All in one place.
With
A disconnected process
Removal, base and paving on separate plans.
A single program declines, and the cracked driveway stays.
A crew pressing for payment on the spot.
Promotion costs discovered after funding.
Approved, then waiting on a right-of-way permit.
With Ottri
The whole driveway on one application.
The same application goes to the next eligible lender.
A written estimate, and terms read later at home.
Each promotion’s cost to you, known before you offer it.
Each driveway’s open items and payment status, together.
What paving contractors ask before offering financing.
Updated
Ruth Wallace
Example: two-car tear-out and repave
Written estimate, itemized
You and the homeowner
Applied; cancel window closed
Homeowner, on their phone
Old asphalt out, base regraded
Your crew
Paved and rolled
Your crew
Funded to your company
Lender, if the program is eligible
Next step
Homeowner confirms the driveway is finished
How does a legitimate paver sell a driveway without looking like a scam crew?
In writing, with time. Agencies describe the scam the same way: an unannounced crew, leftover asphalt, a same-day start and payment on the spot. Give an itemized estimate, the cancellation notice in writing and out loud, no crew until the window closes, payment at completion, and financing the homeowner applies for on their own phone.
- The 3-day rule covers a driveway sold at home, even if the homeowner called you.
- Wisconsin bars fake “leftover” deals; Illinois makes elder home repair fraud a felony.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
Sources: 16 CFR 429 (FTC Cooling-Off Rule); Wisconsin ATCP 110 and DATCP asphalt crew alert (September 2023); Illinois 815 ILCS 515/5; North Dakota Attorney General, paving scam warning (May 2026); California Business and Professions Code §7159.5.
Asphalt driveway costs, 2023–2026 guides
HomeGuide (2023–2025); This Old House (June 2026)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Crack filling | $0.50–$3 per ft | Cash |
| Sealcoating, 24×24 | $580–$1,200 | Cash |
| Overlay, 24×36 | $850–$3,250 | CashInstallment |
| New driveway, 800 sq ft | $4,000–$9,600 | Installment |
| Tear-out and repave, 24×36 | $5,200–$13,800 | Installment |
| Rural lane overlay, 500 ft | $6,000–$18,000 | Installment |
What does an asphalt driveway cost in 2026?
It depends on the scope. Guides put new asphalt at $5 to $12 or more per square foot and an overlay at $1 to $3, and tearing out the old surface adds $1 to $4. That puts a 24×36-foot tear-out and repave at roughly $5,000 to $14,000. Fixr’s often-quoted $6,960 average is for a concrete driveway.
- Sealcoating and crack filling usually fall below the $1,000 program floor.
- Paving mix producer prices rose 7.7% in the year to September 2026; date every quote.
- Itemize removal, base depth, grading, the apron and permits on one estimate.
Sources: HomeGuide, asphalt driveway, resurfacing and repair costs (May 2025) and sealing (October 2023); This Old House, repave cost (June 2026); Fixr, driveway paving (August 2025, a concrete example); BLS, producer price index (September 2026, preliminary).
Laid above 50°F
How late in the year can we pave, and what needs a permit?
Until the surface cools and the plants close. Model specs want 50°F or warmer for lifts under 2 inches, and many plants shut from mid-December into March. Repaving the same footprint often needs no building permit, but state-road entrances need right-of-way permits, some cities inspect resurfacing, and long rural driveways can carry fire-access rules.
- Pennsylvania: $15 plus a $10 inspection for a home driveway onto a state road.
- In California fire zones, driveways over 150 feet need a turnout; past 300, a turnaround.
- Coal-tar sealer is banned on driveways in five states and DC; name the sealer you use.
Sources: FHWA, HMA checklist; 67 Pa. Code §441.3 and §441.4 (permits and fees); California 14 CCR 1273.05 (fire safe driveways); coal-tar rules in Washington, Minnesota, Maine, New York (signed November 2021), Maryland (February 2024) and DC.
Linda Moreno
Example: $8,800 two-car tear-out and repave
Prime-credit loan
Lender 1
Near-prime loan
Lender 2
Installment loan, 72 months
Lender 3
Offer received
72-month installment loan for the driveway
Terms open on the homeowner’s phone, not in the driveway.
When does the lender pay on a paving job?
Usually after the work is done. On eligible programs the lender pays your company directly; most programs pay after the homeowner confirms completion, and some pay at signing. Define complete as paved, rolled and cleaned up, not the sealcoat visit weeks or months later, and keep any deposit within your state’s limit.
- Maryland caps deposits at a third; in Florida, over 10% starts permit and work deadlines.
- Hot mix is bought the day you pave, so there’s little to justify a large deposit.
- Base problems found mid-job need a signed change order before the extra work.
Sources: Deposit rules: California §7159.5, Maryland §8-617, Pennsylvania §517.9, Florida §489.126 and New York Lien Law §71-a.
Asphalt paving financing questions, answered.
How can paving contractors offer customer financing?
Put it on the written estimate as one more way to pay, beside check, card and any financing you already offer. It’s credit for the homeowner, not an equipment loan: they apply under your company’s name on their own phone after you leave, participating lenders weigh it one by one, and an eligible lender program pays you. There’s no setup fee or subscription.
Can removal, base, drainage, the apron and paving go on one application?
Yes, if it’s one job on one contract within each program’s limits. List removal, base depth, grading, the apron and any permit separately. If you find soft base mid-job, sign a change order and check with the lender before doing the extra work.
Can sealcoating or crack filling be financed?
Usually not on its own. Sealing a 24×24 two-car driveway runs about $580 to $1,200 and crack filling less, so most jobs fall under the $1,000 where network programs start. Card or check fits better; pair sealing with a resurface or replacement only when the homeowner needs both.
Does the 3-day cancellation right apply if the homeowner called us?
Yes. The FTC rule covers sales of $25 or more made at the home, including visits the homeowner asked for, and its repair exception is for personal property, not a driveway. California gives buyers 65 and older 5 business days. Don’t send the crew until the window closes.
How do we show homeowners we’re not a “leftover asphalt” crew?
Put in writing what the warnings say crews leave out: your license number where your state issues one, your business address, the total price, not just a rate per square foot, compacted thickness and base depth, start and finish dates, payment terms and the warranty. Wisconsin bars false leftover-materials discounts.
Where is coal-tar driveway sealer banned?
Washington, Minnesota, Maine, New York, Maryland and DC bar it on driveways, and Virginia bans the sale of high-PAH sealers. Many counties have their own rules, and DC’s definition reaches some asphalt-based products too. Check state and local rules and name the sealer on the estimate.
What happens if the first lender declines a driveway?
Nothing is retyped: the application moves to the next eligible lender, and before each lender’s step the screen says whether that credit check is soft or hard. Approvals can come in lower; where the base is sound, an overlay may fit instead of a tear-out. If none approves, the homeowner can pay another way.
What does a paving company need to sign up?
Open the account online, then add your EIN, company details, any contractor license your state requires, an insurance certificate, a sample paving contract, the owner’s ID and the deposit account. Ottri reviews each company before it goes live, and each lender applies its own standards, such as time in business.
Who approves the financing and pays for the driveway?
Each participating lender makes its own call and sets the terms. On eligible programs it pays your company directly, most often after the homeowner confirms the driveway is done and in some programs at signing. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Will an approval made in October last until spring?
Not necessarily. Offers expire on each lender’s schedule, and paving waits on surface temperature and plant dates, so date the quote, tell the homeowner the likely paving window, and confirm the offer is still open before you schedule the crew.