# Chimney and Masonry Financing for Contractors > Chimney and masonry customer financing: one branded application, 20 participating lenders, and the next lender looks when one says no. Funds paid to your business. Last updated: 2026-09-05. Part of Ottri's Home Improvement financing platform (https://www.ottri.com/home-improvement). Canonical version: https://www.ottri.com/home-improvement/chimney-masonry-financing — this Markdown document is generated from the same source at build time. ## Multi-lender chimney and masonry financing for contractors. Turn inspections into rebuilds. Ottri is the complete chimney financing platform: one branded application, 20 participating lenders, techs closing at the inspection, the office tracking every application, and funds paid straight to you. - One application. Multiple participating lender programs. - A branded experience from application through funding. - Built for chimney technicians, masons, and offices. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a chimney company needs to sell with financing. ### Contractor operations Rebuilds and relining are four- and five-figure surprises. Present monthly payments with the inspection, track every application, and see funded volume. - **Run financing from one dashboard** — Manage applications, available offers, follow-up, funding status, and production in one place. - **Track every application** — See which financing steps remain as the homeowner considers the inspection findings and repair scope. - **Track funded volume** — See funded production over time and compare it with the portfolio average. - **Manage supported promotions** — Configure available promotions and buydowns and understand how they affect homeowner payment options. ### Inspections and performance Technicians send the application at the inspection by link or QR code. Managers see which techs and entry points turn inspections into repairs. - **Work from the field** — Share a financing link or QR code when explaining the inspection findings and repair estimate. - **Measure tools and rep adoption** — Compare activity by rep, location, link, QR code, button, or embedded entry point. - **Measure every entry point** — Compare application starts and completions across links, QR codes, buttons, embeds, and messages. - **Keep the experience branded** — Keep your logo, colors, and support contact present throughout the homeowner financing journey. ## Homeowners apply on the spot, under your brand, at the inspection. - **One application, multiple programs** — Homeowners start one application while reviewing the chimney or masonry scope your technician has explained. - **Direct-to-business funding** — Participating lenders fund your business under the selected program’s funding conditions. - **Links, QR codes, and messages** — Text or email the application after the chimney inspection. - **Homeowner-friendly experience** — Give homeowners a clear, mobile-first path to apply and review available options. - **Your business stays front and center** — Keep your logo, colors, and customer-facing identity throughout the financing flow. - **Available promotions** — Present seasonal or project-specific promotions where programs allow. ## Know what needs action — and which financing tools are working. ### Pipeline follow-up - **See what needs action** — Surface applications delayed by missing documents or other required next steps. - **Keep follow-up in one place** — Open the relevant application, understand the blocker, and continue from one shared pipeline. - **Keep applications moving** — Give reps clear follow-up signals without asking homeowners to diagnose the financing process. ### Embedded-tool performance - **See what drives starts** — Compare application starts from links, QR codes, buttons, widgets, and other supported entry points. - **Measure each channel** — See which inspection links and QR codes generate applications that need your team's follow-up. - **Improve distribution** — Use real usage patterns to focus reps and teams on the entry points that earn engagement. ## One lender is a dead end. Twenty is more ways to get the chimney fixed. All in one place. A disconnected process: - Separate applications for different lenders. - Application status spread across portals. - Customer handoffs with changing branding. - Follow-up split across people and tools. - Unclear next steps for the team. With Ottri: - One application. Participating lender programs. - Applications, offers, and funding status in one place. - Your brand stays present in the financing flow. - A shared financing workspace for your team. - Required next steps visible in the application. ## Frequently asked questions ### How can chimney and masonry contractors offer customer financing? Chimney and masonry customer financing lets a homeowner apply for credit toward eligible rebuilds, relining, and repairs through a participating lender. With Ottri, your business presents one branded application and manages financing follow-up in one workspace. Your technicians stay focused on the inspection and the repair; the lender decides whether to extend credit. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the chimney sale. ### What happens if the first lender says no? Nothing extra for you or your customer. The homeowner fills out one branded application, and Ottri moves it to the next participating lender automatically, across 20 lenders on the Ottri network. Your customer sees one application under your brand the whole way, and you see every step in your dashboard. Each lender makes its own decision. ### Can rebuilds, relining, crowns, and tuckpointing be considered? They may be considered when the defined project fits a participating program's requirements. Describe the inspection findings, the repair or rebuild scope, materials, and labor in the estimate. A crown repair and a full chimney rebuild can have very different amounts; the project, requested amount, homeowner, and participating program determine eligibility. Because one application is considered by multiple lender programs in sequence, a project that does not fit one program can still fit another. ### What does Ottri cost, and how do we get started? Free to start. No setup fee, no subscription, no demo. Create your account, complete onboarding, and send your first application as soon as your programs are active. Lender and promotional costs, where they apply, depend on the program you choose. ### How does the office follow up after the chimney inspection? The technician can share the branded application with the inspection report and estimate. Authorized office staff can then review its status and required next steps in Ottri, so follow-up addresses the unfinished financing step rather than asking whether the homeowner is ready. Your business assigns the follow-up; the lender's requirements determine when financing is complete. That shared view is how a fall backlog of inspections turns into scheduled repairs. ### Will the financing stay under our brand, and are applications sold as leads? Yes, it is your brand from start to finish. Your logo, colors, and contact are on every screen the homeowner sees. We never sell applications as leads. The customer stays yours; the participating lender simply provides the credit, and its required disclosures appear where the law requires. ### What if the repair scope grows once work begins? Update the estimate when opened masonry or a camera inspection reveals additional damage, and confirm whether the lender needs to review the financing amount. The lender takes a fresh look at the larger scope, and the homeowner sees the revised price before the extra work begins. Because status lives in one dashboard, a bigger scope is a quick update, not a restart. ### Does a financing decision confirm the chimney is safe to use? No. A lender's financing decision is a credit decision and says nothing about the condition or safety of the chimney. Your inspection report and the completed repair determine whether the system is ready for use. Keep the safety recommendation and the financing conversation clearly separate with the homeowner. What it does confirm is that the repair can be paid for, so the safety work actually gets done. ### Who approves the financing and sends the funds? The participating lender approves the financing and sets the terms. On eligible programs the lender pays your business directly, so you are never chasing the homeowner for payment. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender. ### Does applying for financing affect the homeowner’s credit? Applying is built to be easy on the homeowner. Whether a program uses a soft or hard inquiry depends on the lender, the product, and the step, and the homeowner sees that information on screen before continuing, so there are no surprises. --- About Ottri: Ottri is a licensed loan broker, NMLS 2776988. Ottri is not a lender. Participating lenders establish their own products and criteria, make their own credit decisions, provide any credit extended, and retain the responsibilities assigned to them by law and agreement. Ottri's capabilities and role vary by program and deployment.