Chimney and masonry customer financing for contractors.
For chimney pros who put findings and the price in writing first. The tech leaves the estimate; the homeowner applies later on their own phone; participating lenders take turns.
Relines, rebuilds, masonry: from $1,000.
Homeowner financing, not a business loan.
Paid to you on eligible programs.
Your brand; 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 chimney and masonry contractors: one branded application for relines, crowns, flashing and rebuilds, which participating lenders consider in turn. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
A chimney promotion can cost you margin. Ottri has no setup fee or subscription.
Same-as-cash promotions usually carry a dealer fee taken from the job, on any platform. Here is what one published 2019 schedule charged.
−$543
A 12-month promo
On a $6,800 reline with a new crown, cap and flashing, one national lender’s 2019 schedule set the dealer fee at 7.99% for a year of same-as-cash, about $543, and 13% for two years, about $884.
$1,500+
A yearly platform fee
Subscription platforms bill $1,500 to $6,000 a year, slow season included.
$0
To open an account and apply
No setup fee, no subscription. Each lender program’s terms show what a financed chimney job costs your business before you choose to offer it.
No setup fee · No subscription · No minimums to sign up
Promotion costs: one 2019 national lender rate sheet, 7.99% of the loan for 12 months same-as-cash and 13% for 24 months. Platform fees: list prices published July 2026.
Everything a chimney or masonry pro needs to offer financing.
Sales and the office
A reline takes a day; a rebuild can run a week and wait out the cold. Each financed job’s offers and funding stay in one dashboard.
Run financing from one dashboard
Offers, lender requests and funding for every chimney job, from the inspection report to the final walk-through.
Track every application
Find homeowners who opened an application after the inspection and didn’t finish it.
Track funded volume
See funded relines and rebuilds by technician, crew and month.
Manage supported promotions
Choose which lender promotions to offer, with each one’s cost to you shown before you do.
Estimates
Technicians leave the report and a written estimate, and the homeowner applies later from the link. Owners see which estimates lead to applications.
Work from the field
Print the code on the written estimate, or send the link with the inspection photos.
Measure tools and rep adoption
See which technicians’ estimates turn into applications.
Measure every entry point
Tell whether homeowners start from the estimate’s code, the photo email or your site.
Keep the experience branded
The application carries your company’s name from start to finish.
The report and estimate stay behind; the application opens on the homeowner’s phone.
One application, multiple programs
The inspection, liner, crown, cap and flashing share one application, which participating lenders take in turn.
Direct-to-business funding
Eligible programs pay approved funds to your company.
Links, QR codes, and messages
A code on the estimate, a text, or a link beside the inspection photos.
Homeowner-friendly experience
Homeowners read every offer’s terms on their own phone, with the report in hand.
Your business stays front and center
From the inspection report to the finished crown, the application shows your company.
Available promotions
See a promotion’s cost to your business before a chimney estimate includes it.
Permits, weather and the estimates that start applications.
Spot what’s waiting
See jobs held up by a signature, a permit or a cold snap.
Keep follow-up in one place
Close out the lender’s requests before the scaffold goes up.
Keep crews scheduled
Book masons for the rebuild once its financing is settled.
See what starts applications
Rank the estimate code, texts, photo emails and your site by the applications each starts.
Compare estimators
See which technicians’ inspections lead to applications.
Improve distribution
Add the link to estimates, inspection reports and your relining page.
One decline shouldn’t stall a reline: 20 lenders in the network. All in one place.
With
A disconnected process
Liner, crown and flashing priced and financed apart.
A decline, and the old flue stays in service.
A cheap sweep and a liner sold the same afternoon.
Promotion costs that show up after funding.
Approved, then stalled on a permit and a signature.
With Ottri
The whole chimney scope on one application.
The next eligible lender picks up the same application.
A dated report, a written estimate and time to decide.
Every promotion’s cost, visible before it’s offered.
Open items and funding status for each job, in one view.
What chimney and masonry contractors ask before offering financing.
Updated
Ruth Calloway
Example: Level II, stainless reline, crown, cap and flashing
Level II video scan, report sent
Your technician
Written estimate, then applied
Homeowner
Signed; 3 business days passed
Homeowner
Liner in, crown poured
Your crew
Paid to your business
Lender, on eligible programs
Next step
Permit sign-off and the homeowner’s confirmation
When does a Level II inspection turn into a reline or rebuild?
When the scan shows the flue can’t safely serve the appliance. NFPA 211 calls for a Level II at sale or transfer, before relining, after a switch to a different kind of appliance and after a fire, storm or quake. Give the homeowner a dated report with photos or video and a written estimate, and leave time for a second opinion.
- NFPA 211 binds only where adopted; one Pennsylvania township requires a Level II at every reline.
- A Level III, which opens walls, is for hazards a Level II can’t judge.
- At a sale, the homeowner applies on their own phone; closing dates don’t change that.
- After a chimney fire or storm, the homeowner should ask their insurer before signing.
Sources: NFPA 211 (2024), Chapter 15 inspection levels, as reproduced in committee input CI-9 (August 2024); Falls Township, PA, code enforcement (November 2025).
Chimney and masonry costs by job, 2023–2026 guides
HomeGuide (2023–2026); Fixr (2025)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Sweep and Level I | $150–$375 | Cash |
| Chimney cap | $300–$600 | Cash |
| Crown replacement | $1,000–$3,000 | CashInstallment |
| Stainless reline | $1,800–$4,000 | CashInstallment |
| Cast-in-place reline | $2,000–$7,000 | Installment |
| Chimney repointing | $500–$2,500 | CashInstallment |
| Full rebuild | $4,000–$15,000 | Installment |
What do relines, crowns and rebuilds cost in 2026?
It depends on which “rebuild” you mean. Guides put a stainless reline at $1,800 to $4,000, a crown replacement at $1,000 to $3,000, and a full rebuild above and below the roofline at $4,000 to $15,000. A reline with crown, cap and flashing lands near $6,000 to $7,000. Much chimney data online is from 2023 under newer titles.
- Network programs start at about $1,000; sweeps and caps usually fall below that.
- Define a rebuild by height: top courses, the stack above the roof, or the whole chimney.
- Price the liner by type and length, and say whether insulation is included.
- Offering same-as-cash? Write down when it ends and what the homeowner owes after.
Sources: HomeGuide, chimney sweep (February 2026), liner and rebuild costs (2023 data); Fixr, liner installation and chimney repair (January 2025) and cap replacement (August 2025).
Below 40°F, heat and cover
Which codes, permits and seasons shape a chimney quote?
The code’s crown and liner rules, local permits and the thermometer. The model code wants a sloped crown with a drip edge and a bond break around the flue, and liners listed to UL 1777 or another approved type. Relines and rebuilds often need a permit, and masonry below 40°F needs heated materials and covering.
- A chimney over 30 inches wide, parallel to the ridge, needs a cricket.
- In the highest seismic categories, the code adds vertical rebar and roof-line straps.
- When opened masonry shows more damage, write the change order before the extra work.
Sources: International Residential Code 2021, Chapter 10 (R1003.3 seismic, R1003.9.1 crowns, R1003.11 liners, R1003.20 crickets; as adopted in Colorado); Brick Industry Association, Technical Note 1 (cold and hot weather masonry, June 2018).
Owen Marsh
Example: $6,800 reline with crown, cap and flashing
Prime loan
Lender 1
Mid-tier loan
Lender 2
Installment loan
Lender 3
Offer received
A loan offer for the full chimney estimate
Each offer opens on the homeowner’s own phone.
How do we sell a reline found on a sweep without looking like the bait-sweep crews?
Put findings before price, and price before financing. State agencies describe the same pattern: a cheap cleaning, a “dangerous chimney” and a liner sold for thousands. A liner sold in the home carries the 3-day right, even when the visit began as a booked sweep. Leave a dated report and one written price for cash and financed buyers.
- The FTC warns about contractors who push a lender they know; offer financing as an option, after the price.
- In California, a repair over $750 needs a full home improvement contract.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
Sources: FTC, avoiding home improvement scams (July 2022); New Jersey Attorney General, chimney repair action (October 2011); Maine Attorney General, chimney repair suit (November 2010); 16 CFR 429; California Business and Professions Code §7159.10 and §7159.5.
Chimney and masonry financing questions, answered.
How can chimney and masonry contractors offer customer financing?
List it on the written estimate, after the inspection report, as one more way to pay beside check and card. Your technician doesn’t fill out the application: the homeowner applies under your company’s name on their own phone when they’re ready; participating lenders take it in turn, and an eligible program pays your company. No setup fee or subscription.
What does a chimney reline or rebuild cost in 2026?
Guides put a stainless reline at about $1,800 to $4,000 and a cast-in-place reline at $2,000 to $7,000. A full rebuild above and below the roofline runs $4,000 to $15,000 in data last updated in 2023. Added up from those guides, a reline with a new crown, cap and flashing comes to roughly $6,000 to $7,000.
Can a sweep, cap or small repair be financed?
Usually not. A sweep runs $150 to $375 and most repairs $250 to $1,200, below where network programs start at about $1,000, and some programs exclude cleaning and minor repairs. Financing fits relines, rebuilds and larger masonry work; card or check fits the rest.
Is a Level II inspection required when a home is sold?
NFPA 211 calls for a Level II, by video scan or other means, on sale or transfer, before relining, after a switch to a different kind of appliance and after a chimney fire, storm or quake. It’s a standard, so it binds only where a town or state adopts it; check the local code before telling a seller it’s required.
Does the 3-day right apply when a sweep visit turns into a reline?
Yes, for the reline. A liner sold in the home for $25 or more carries the FTC’s 3-day right, even on a visit the homeowner booked for a sweep; the rule’s repair-visit exclusion never reaches added goods or services. In California, a repair over $750, or one that adds goods, falls under the full home improvement contract rules.
Can the inspection, liner, crown, cap and flashing go on one application?
Yes, when they’re one contracted job that fits each program’s limits. Itemize the Level II, the liner by type and length, insulation, the crown, cap, flashing and permit. If opening the masonry turns up more, write a change order with a new price; a larger amount may need the lender’s review.
We already offer a lender’s financing. Why add Ottri for relines and rebuilds?
Keep it, and print your Ottri code on the same written estimate. The homeowner picks on their own phone; participating lenders take the one branded application in turn, so a single decline needn’t end the job’s financing. No setup fee, subscription or minimums to sign up.
Can masonry work be done in winter?
With care. Below 40°F, masons heat mortar materials and cover new work for 24 hours, and below 20°F they need heated enclosures. Relines depend far less on the weather. On programs that pay after completion, a rebuild that waits for spring moves the payment date with it.
Who approves the financing and pays for the job?
Approval and terms come from the lender, never Ottri. Lenders also look at your company, such as time in business, so a young chimney firm may see fewer programs at first. Eligible programs pay your company directly, most often once the homeowner confirms the work is done, and some at signing. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Does a financing approval mean the chimney is safe to use?
No. A credit decision says nothing about the flue; the inspection report and the finished work do. Keep the two separate in every conversation: findings first, in writing with photos, then the price, then financing as an option the homeowner can take or leave.