# Deck and Patio Financing for Contractors > Deck and patio customer financing: one branded application, 20 participating lenders, and the next lender looks when one says no. Funds paid to your business. No setup fee. 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/deck-patio-financing — this Markdown document is generated from the same source at build time. ## Multi-lender deck and patio financing for contractors. Sell the space they want. Ottri is the complete deck and patio financing platform: one branded application, 20 participating lenders, designers closing on site, 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 deck builders, patio teams, and reps. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a deck and patio builder needs to sell with financing. ### Contractor operations Composite decking and covered patios are five-figure decisions. Present monthly payments with the design, 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 where the homeowner stands in financing while your team follows up on the outdoor living proposal. - **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. ### Outdoor consultations and performance Designers send the application at the property by link or QR code. Managers see which designers and entry points turn designs into builds. - **Work from the field** — Share a financing link or QR code when discussing the deck layout, patio design, or installed 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 design meeting. - **One application, multiple programs** — Homeowners start one application while reviewing the deck or patio design and the work included in your price. - **Direct-to-business funding** — Participating lenders fund your business under the selected program’s funding conditions. - **Links, QR codes, and messages** — Send the application by text or email after the deck or patio consultation. - **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 design meetings, estimate links, and other supported entry points generate financing applications. - **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 deck built. 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 deck and patio contractors offer financing to customers? Deck and patio customer financing lets homeowners apply for credit for eligible outdoor installation or replacement work through a participating lender. Ottri gives your business a branded application and one workspace for financing follow-up. Your team can discuss the design and price while the customer considers available financing terms. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the deck or patio 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 a customer apply for a new deck, a replacement, or a patio? Those scopes may be considered if the work, property, business, applicant, and amount fit a participating program. Identify the materials, installation, removal, and associated work in the estimate. The financing available for a repair or replacement may differ from that available for a larger outdoor living project. 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 should we present different deck or patio material options? Give the homeowner a clear estimate for each scope being considered and distinguish the actual lender terms from any preliminary illustration. Financing can be discussed alongside the choice of materials, but an available monthly payment does not change the total project price or make an unapproved amount available. Showing the monthly payment for each option is how the premium material wins more often. ### 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. ### Can railings, steps, or preparation work be part of the request? Include those items in the project estimate and confirm which costs the participating program accepts. The lender sets the eligible amount and terms. If the layout or associated work changes, check whether the application or offer needs review before relying on it to cover the new scope. One application can carry railings, steps, and prep when the program accepts the scope. ### What should a deck or patio contractor compare when choosing customer financing? Compare accepted project scopes, available amounts, business costs, and the lender's funding conditions for the work you sell. Also consider what happens after the homeowner applies: Ottri gives your team shared application status, required next steps, and funding visibility. Review those operating steps alongside the program terms before relying on financing to reserve labor or materials. Ottri adds 20 participating lenders behind one branded application, direct-to-business funding, and no setup or subscription fee. ### 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.