Multi-lender fence financing for contractors.
A homeowner shouldn’t have to settle for chain link because one lender said no. Ottri routes one branded application to participating lenders in turn, and your business pays nothing for it.
Send it from the driveway or with the online quote.
One application for the fence, gates, tear-out or pool barrier.
Keep your current lender; add Ottri for the rest.
Your brand on the application; never sold as leads.
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 financing platform for fence companies: one branded application for privacy, pool and ornamental fences, which participating lenders work through in order. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Fence promotions usually cost the installer. Ottri costs you nothing.
What fence companies typically give up in dealer fees to offer promotional financing, next to what Ottri charges.
−$600
A 12-month promo
On a $7,500 fence, a 2019 national lender rate sheet charged 7.99% for 12 months same-as-cash, about $600, and 13% for 24 months, about $975.
$1,500+
A yearly platform fee
At 10 financed fences a year, a $1,500 to $6,000 subscription adds $150 to $600 to each job.
$0
Ottri never charges you
Nothing to join, nothing monthly and nothing taken from the fence. On eligible programs the lender pays your company, not the homeowner. Some lender programs, such as promotional plans, can carry a lender fee; that choice is yours.
No setup fee · No subscription · No minimums to sign up
Promo costs: one national lender’s 2019 schedule, 7.99% for a 12-month same-as-cash plan and 13% for 24 months. Platform fees: list prices as published in July 2026.
Everything a fence company needs to sell with financing.
Estimates and installs
Fence jobs are quoted fast and installed in days, unless custom panels or permits add weeks. One place holds every application, offer and funding step.
Run financing from one dashboard
Every fence job’s application, offer and funding step in one place, from the estimate to the final walk.
Track every application
See which homeowners applied at the estimate and which haven’t finished.
Track funded volume
Track funded fences by estimator and month.
Manage supported promotions
Turn on the plans your lender programs permit and see what each one costs your business before you offer it.
Driveway estimates
Estimators send it from the driveway or with the online quote. Owners see which estimators turn quotes into financed fences.
Work from the field
Share a link or QR code at the estimate, or text it with the quote and the layout.
Measure tools and rep adoption
Compare application starts and completions by estimator.
Measure every entry point
See whether applications start from quote QR codes, texted links or your website.
Keep the experience branded
The homeowner sees your logo and colors on the application, not a lender’s.
Homeowners apply on their own phone, under your name, from the estimate on.
One application, multiple programs
One application for the full run, gates and tear-out, reviewed by participating lenders in order.
Direct-to-business funding
On eligible programs, the lender sends the money to your company.
Links, QR codes, and messages
A QR code on the quote, a link by text or an email with the layout.
Homeowner-friendly experience
Homeowners learn whether a credit check is soft or hard before it runs, and see terms before accepting.
Your business stays front and center
Your company’s name on the application, from quote to funding.
Available promotions
Where a lender offers a promotion, offer it once you know what it costs you.
See which fence jobs need action and who starts applications.
See what needs action
Find jobs stuck on a document, an unsigned offer or the homeowner’s sign-off.
Keep follow-up in one place
Pull up the application and check the lender’s open items before you confirm the install date.
Keep fence jobs moving
Show the office which jobs have a lender’s yes and which are still waiting.
See what starts applications
Compare starts from quote QR codes, website buttons, emails and texts.
Compare estimators
See which estimators get applications started and finished.
Improve distribution
Put the link on the quote, the yard sign’s landing page and your website.
A no from one lender shouldn’t shrink the fence. The network has 20. All in one place.
With
A disconnected process
Declined once, the homeowner downgrades to chain link.
The pool barrier sold as an afterthought.
A subscription billed whether fences fund or not.
Monthly payments on yard signs without full terms.
Custom panels ordered before the lender says yes.
With Ottri
The application moves on to the next eligible lender.
Barrier, gates and tear-out on one application.
No Ottri fee on any fence job.
Full terms on screen before the homeowner accepts.
Each job’s funding status before you order.
What fence companies ask before they offer financing.
Updated
Jenna Price
Example: $7,800 aluminum pool fence
Prime installment loan
Lender 1
Short-term promotional plan
Lender 2
Installment loan, 60 months
Lender 3
Offer received
Installment loan, 60 months, for the barrier and gates
The fence goes in before the pool’s final inspection.
Can a pool owner finance the barrier fence?
Yes, on its own or with the pool, when it’s on the estimate and fits a program. Many places inspect the barrier before the pool passes its final, and under the current model code, standard 2-inch chain link needs slats. If the first lender declines, the same application goes to the next eligible lender.
- The model code calls for 48-inch barriers and self-closing, self-latching gates.
- California requires 2 of 7 drowning-prevention features; Florida, 1 of 5.
- Pool fences average about $7,800; self-closing gates add $200 to $800.
- Point owners to local code; never certify compliance yourself.
Sources: International Swimming Pool and Spa Code §305 (local reproduction); California Health and Safety Code §115922; Florida Statutes §§515.27, 515.29; HomeGuide pool fence cost guide (February 2026).
Installed fence cost, 2025–2026
HomeGuide (2025–2026); Fixr (2025)
| Fence or job | Typical cost | Programs that often fit |
|---|---|---|
| Chain link | $10–$30 per ft | CashInstallment |
| Wood privacy | $25–$50 per ft | CashInstallment |
| Vinyl privacy | $40–$60 per ft | Installment |
| Aluminum | $25–$75 per ft | Installment |
| Wrought iron | $50–$85 per ft | Installment |
| 200 ft, wood or vinyl | $4,000–$12,000 | Installment |
What does a fence cost per foot in 2026?
About $20 to $60 a foot installed for most new fences, or $4,000 to $12,000 for 200 feet of wood or vinyl. Chain link starts near $10 a foot, aluminum runs $25 to $75 and wrought iron $50 to $85. The $4,500 average many pages quote is Fixr’s January 2025 price for a 4-foot cedar picket fence.
- Aluminum producer prices are up 50% and steel 49% since January 2025.
- Imported aluminum and steel fence parts can owe a 50% Section 232 duty on full value.
- Quote one price for cash or financing, and date it.
Sources: HomeGuide, fence installation cost (February 2026) and material guides (July–August 2025); Fixr fence cost guide (January 2025). Bureau of Labor Statistics Producer Price Index, September 2026; Harmonized Tariff Schedule of the United States, 2026, chapter 99 (Section 232 steel and aluminum derivatives).
Build after approvals; offers expire
Do permits, surveys and the HOA have to come before the homeowner applies?
No, but time it. Approvals expire, so check that the offer outlasts the HOA review and any permit, and build only after both. The 2024 model code waives building permits for fences up to 7 feet, yet some cities set 6 feet and local zoning usually limits height and placement. Call 811 a few business days before digging.
- A boundary survey runs about $200 to $1,200.
- Texas HOAs can’t ban perimeter fences outright but can regulate the type.
- Florida HOAs can’t require the building permit before reviewing plans.
- Fence and landscape work accounts for 9% of reported utility damage.
Sources: International Residential Code (2024) R105.2, as adopted locally; Texas Property Code §202.023; Florida Statutes §720.3035; Common Ground Alliance, DIRT Report 2025.
Marcus Lee
Example: 180 ft vinyl privacy fence
Contract signed, 811 called
You and the homeowner
Custom panels ordered
Your team
Posts set, fence installed
Your crew
Completion confirmed
Homeowner
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the fence is installed
When does a fence company get paid on a financed job?
Usually at completion. On the Ottri network, most programs pay once the homeowner confirms the fence is installed, and a few pay at signing. Custom vinyl, aluminum and ornamental panels are often ordered up front, so keep deposits within your state’s limits; stock wood and chain link often go in within days.
- California caps deposits at $1,000 or 10%, whichever is less, even on custom panels.
- Beyond the deposit, California bars payment ahead of the work, even from a lender.
- Massachusetts allows one-third or the custom-material cost, whichever is greater.
- Lender programs start around $1,000; a small repair may fit a card better.
Sources: California Business and Professions Code §7159.5; Massachusetts General Laws c. 142A §2; Pennsylvania Home Improvement Consumer Protection Act, 73 P.S. §517.9; Maryland Business Regulation §8-617.
Fence financing questions, answered.
How do fence companies offer financing to customers?
At the estimate or with the online quote, once the layout and price are set. With Ottri, your estimator sends one application under your company’s name; participating lenders review it in order, and on eligible programs the lender pays your company. Ottri adds no fee. If you already work with a lender, keep it and send Ottri for the jobs it turns down.
Does a fence need a permit?
Often not a building permit: the 2024 model code waives fences up to 7 feet. But some cities set 6 feet, local zoning usually limits height and placement, and pool barriers are inspected wherever they’re required. If the HOA or permit takes weeks, check that the homeowner’s offer outlasts the wait.
How much deposit can we take on custom vinyl or aluminum?
It depends on the state. California: $1,000 or 10%, whichever is less, with no special-order exception and no payment ahead of the work, even from a lender. Massachusetts: one-third or the custom-material cost, whichever is greater. Pennsylvania, over $5,000: one-third plus special-order materials. Maryland: one-third. Florida: deadlines start above 10%. New York: escrow or a bond.
Did tariffs raise fence prices in 2026?
Metal fences most. Aluminum producer prices rose about 50% and steel 49% since January 2025, chain-link wire and ornamental metal hit records, and imported metal fence products can owe a 50% duty on full value. Lumber rose 14% in a year, though duties on most Canadian lumber fell to 24.75% on October 19, 2026. Date every quote.
Can we finance small jobs and repairs?
Usually not repairs: most run $300 to $900, below where lender programs on the Ottri network start, at about $1,000. Gates, short runs and storm sections above that can fit, and full runs from about $4,000 typically fit installment programs. Ottri charges nothing on any size.
Can tear-out, haul-away and gates be in the same application?
Yes, when they’re on the estimate. Removal runs about $10 to $20 a foot, walk gates $50 to $400 and self-closing pool gates $200 to $800, so price them in up front. If the re-measure changes the total, have the homeowner sign a change order and ask the lender to review the new amount.
What happens if the first lender declines?
The same application moves on to the next eligible lender, which makes its own decision. If no one approves the full amount, the homeowner can choose a different material, shorten the run or pay part of it another way.
What do I need to sign up?
Sign up online, then add your EIN and company details, your contractor license, an insurance certificate, a sample fence contract, the owner’s ID and your deposit account. There’s no minimum to join Ottri. Each lender reviews your business separately and sets its own requirements, such as time in business.
Who approves the financing and sends the funds?
Each participating lender decides on the application and sets its terms, then pays your company on eligible programs. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Can we put “$152 a month” on yard signs and door hangers?
Only with the full terms: the down payment, the repayment terms and the APR, labeled as an example. A monthly figure alone triggers federal disclosure rules. A contract of $25 or more signed at the homeowner’s home, even when they called you, can be canceled until midnight of the third business day.