Multi-lender garage door financing for contractors.
Financing fits the new door and opener, rarely the spring call. The homeowner applies under your name on their own phone; participating lenders then take it in turn. Ottri charges you nothing.
New doors, openers and wind-rated doors.
Dealers and service companies, any brand.
On eligible programs, the lender pays you.
Your brand on it; 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 garage door contractors, dealers and service companies: one branded application for the door, opener, removal and installation, which participating lenders consider in turn. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Garage door promotions can cost the dealer. Ottri costs you nothing.
A promotional plan usually comes with a fee taken out of the job. Here is one published schedule, next to Ottri.
−$430
A 12-month promo
On a $5,400 door and opener, a national lender’s 2019 rate sheet took a 7.99% dealer fee on 12 months same-as-cash, about $430, and 13% on 24 months, about $700.
$1,500+
A yearly platform fee
Subscription platforms bill $1,500 to $6,000 a year, busy cold snap or quiet summer.
$0
Ottri never charges you
No setup fee, no monthly bill and no cut of the door. On eligible programs the lender pays your company; if a lender’s promotion carries its own fee, offering it is your call.
No setup fee · No subscription · No minimums to sign up
Promotion costs: 7.99% for 12 months same-as-cash and 13% for 24 months on a 2019 national lender schedule, explained here. Platform fees: published plan prices, July 2026.
Everything a garage door business needs to offer financing.
Sales and the office
From a single steel door to an impact-rated double with a new opener and a permit, most jobs install in a day. Every application, in one place.
Run financing from one dashboard
Offers, open items and payment status for each door, from the written quote to the install.
Track every application
See which homeowners opened an application after the quote and didn’t finish it.
Track funded volume
See funded installs by technician, salesperson and month.
Manage supported promotions
Pick which lender promotions to offer, with each one’s cost to you shown up front.
Quotes and service calls
Techs leave a written quote with a QR code, and the homeowner applies later on their own phone. Owners see whose quotes turn into applications.
Work from the field
Print the QR code on the written quote, or text the link after the visit.
Measure tools and rep adoption
Compare technicians and salespeople by the applications their quotes start.
Measure every entry point
Learn whether homeowners start from the quote’s QR code, a text or your website.
Keep the experience branded
Your company’s name and logo stay on every screen of the application.
The homeowner gets a written quote and applies on their own phone, under your name.
One application, multiple programs
The door, opener, removal and installation go on one application that participating lenders review in turn.
Direct-to-business funding
On eligible programs, the lender sends approved funds to your company.
Links, QR codes, and messages
A QR code printed on the quote, a texted link, or a follow-up email.
Homeowner-friendly experience
Every offer’s full terms open on the homeowner’s phone, to read after the truck has left.
Your business stays front and center
From the quote to the finished install, the application shows your company’s name.
Available promotions
See a lender promotion’s cost to your company before you quote it.
Doors waiting on financing and whose quotes start applications.
Spot what’s waiting
Find jobs waiting on a document, a signature or a permit before you order the door.
Keep follow-up in one place
Close out the lender’s open items before a custom or impact door is ordered.
Keep crews scheduled
The office sees which doors have financing in place before install day.
See what starts applications
See which entry point starts the most applications: the quote’s QR code, a text, an email or your site.
Compare technicians
See whose service calls and quotes turn into applications.
Improve distribution
Put the link on written quotes, invoices and your garage door page.
One decline shouldn’t stall the door: 20 lenders in Ottri’s network. All in one place.
With
A disconnected process
Door, opener and install on separate plans.
One program says no, and the old door stays up.
A price that changes if the homeowner finances.
Promotion costs found out after funding.
Approved, then waiting on a permit copy.
With Ottri
The whole replacement on one application.
The next eligible lender looks at the same application.
One price for cash and financed buyers, in writing.
What a promotion costs you, before it’s on a quote.
Open items and funding status for every door in one view.
What garage door companies ask before offering financing.
Updated
Denise Carter
Example: $5,400 door and opener, after a spring call
Prime installment loan
Lender 1
Second-look installment loan
Lender 2
Installment loan, 60 months
Lender 3
Offer received
60-month installment loan for the door and opener
Read on the homeowner’s phone after the visit.
A repair call turns into a new door. What changes?
The paperwork. A new door or opener sold on a repair visit carries the 3-day cancellation right. Fix what you were called for, put the replacement in a written quote at one price, and let the homeowner apply on their own phone after you leave.
- California calls a repair over $750, or with extra parts, a home improvement contract.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
- Let the cancellation window close before you order a custom or impact door.
- Call same-as-cash what it is, deferred interest, never 0% or interest-free.
Sources: 16 CFR 429 (FTC Cooling-Off Rule); California Business and Professions Code §7159.10 (service and repair contracts) and §7159.5 (down payments); deposit rules in Florida Statutes §489.126, Maryland Business Regulation §8-617 and §71-a of New York’s Lien Law.
Garage door costs, 2025 guides
HomeGuide (June–July 2025); Cost vs Value 2025
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Torsion springs | $150–$350 | Cash |
| Opener, installed | $300–$900 | Cash |
| Single door | $700–$2,700 | CashInstallment |
| Double door, basic steel | $1,000–$3,500 | Installment |
| Insulated double, R-12 | About $4,700 | Installment |
| Impact-rated double | $2,000–$10,000 | Installment |
What do garage doors, openers and springs cost in 2026?
Guides put a single door at $700 to $2,700 and a double at $1,000 to $3,500 installed, with an opener adding $300 to $900. An insulated upscale double cost $4,672 in Cost vs Value 2025, reusing the old opener, and impact-rated doubles run $2,000 to $10,000. Springs, at $150 to $350, sit below where programs start.
- Network programs start at $1,000, so most spring and cable repairs fall below them.
- No federal tax credit covers a garage door today; leave tax savings out.
- Itemize the door, tracks, opener, battery backup, removal and permit on one quote.
Sources: HomeGuide, door replacement, opener, spring and hurricane door costs (June–July 2025); Cost vs Value 2025, as summarized by DASMA (December 2025); DASMA Special Bulletin 2-26 (February 2026) and its 2010 credit recap (Fall 2010); IRS, home improvement credit (April 2026).
Tracks set, panels next
What do wind-rated and impact doors need on the coast?
A rating in pounds per square foot, not miles per hour. The door’s permanent label shows its design pressures, and the building department decides what the house needs. Florida’s high-velocity zone needs a Miami-Dade approval, most Florida replacements need a permit, and Texas coastal counties use windstorm certificates.
- Florida’s $7,500 exemption takes a written request, and some counties exclude doors.
- Florida HOAs can’t deny a reinforced garage door that meets their adopted specifications.
- Miami-Dade approvals expire after five years, and a copy must be on site for the inspector.
Sources: DASMA TDS-1502 (wind load labels under IRC R609.4.1, June 2024); Miami-Dade NOA example (January 2026); Florida House HB 803 analysis (May 2026); Martin County permit exemptions; Florida Statutes §720.3035; Texas Department of Insurance WPI-8.
Kevin Tran
Example: California double door and opener
Old opener lacks battery backup
Your technician
Door and opener quoted together
You and the homeowner
Approved; time to cancel ended
Lender and homeowner
Installed; reversal tested
Your crew
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the door and opener work
Which opener and safety rules shape a replacement quote?
Two sets. Federal rules require every opener made since 1993 to reverse within 2 seconds of contact and to work with photo-eyes or another safety device; industry guidance puts photo-eyes no higher than 6 inches. California requires battery backup on any opener sold or installed since July 2019, and a new door can’t be connected to an old opener without one.
- California’s penalty is $1,000 per opener, and an affected homeowner can sue for it.
- Name the foam, polystyrene or polyurethane; a section R-value isn’t the whole door.
- Most programs pay after the homeowner confirms the install; some pay at signing.
Sources: 16 CFR 1211 (opener entrapment protection); DASMA TDS-364 (photo-eye placement, June 2026) and TDS-163 (R-value and U-factor, July 2022); California Health and Safety Code §§19891–19892 (SB 969, 2018).
Garage door financing questions, answered.
How can garage door companies offer customer financing?
Add it to the written replacement quote as a payment option next to cash, card and any financing you already offer. The homeowner applies under your name from their own phone; participating lenders look at it one after another, and when a program is eligible, the lender pays you directly. Ottri charges your company nothing.
Is a spring repair big enough to finance?
Usually not. National guides put torsion springs and most repairs at $150 to $350, below the $1,000 where network programs start. Financing fits a new door, or a door and opener; take card or cash for the repair, and never use a monthly payment to justify a repair price.
Does the 3-day cancellation right apply when a repair visit turns into a new door?
Yes, for the new door. A new door or opener sold at the home for $25 or more carries 3 business days to cancel, even when the visit began as a repair call. An emergency waiver needs the homeowner’s own handwritten statement. In California, a repair over $750 becomes a home improvement contract.
Can the door, opener, removal and installation go on one application?
Yes, as one contracted replacement priced once, within each program’s limits. Itemize the door, tracks, opener, battery backup, removal and any permit or product approval so the lender sees the whole job. Service plans and future tune-ups stay off; bill them when they happen.
Is there a tax credit for an insulated garage door?
No. Insulated garage doors qualified for the federal credit in 2006–07 and 2009–10, but the 2023–2025 rules covered only ENERGY STAR doors, and no garage door has that rating. The credit ended after 2025, and the door makers’ association told dealers in February 2026 not to suggest one. Leave tax savings and energy-bill claims out of the quote.
What happens if the first lender declines a garage door?
The application moves to the next eligible lender without being retyped, and before each lender’s step the screen shows whether that credit check is soft or hard. A later lender may approve less; a basic steel door, or keeping a compliant opener, may fit. If none approves, the homeowner can still pay another way.
How much deposit can we take on a special-order door?
Check your state. California allows $1,000 or 10%, whichever is less, nothing ahead of the work even from a lender, and service-and-repair jobs are paid only after completion. In Florida, a deposit over 10% starts the permit and start-date clock; Maryland caps deposits at one-third; New York requires escrow or a bond.
What does a garage door company need to sign up, and do newer firms qualify?
Create the account online, then add your EIN, company details, the license your state requires, an insurance certificate, a sample contract, the owner’s ID and the deposit account. No manufacturer or dealer agreement is needed. Ottri checks each company before it goes live, and each lender applies its own standards, such as time in business. A young company may see fewer programs at first.
Who approves the loan and pays for the door?
The lender decides, not Ottri. It sets the terms and, on eligible programs, sends the money straight to your company, usually once the homeowner confirms the door is installed and on some programs at signing. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Our field-service app already has a financing button. Why add Ottri?
Keep it, and add Ottri for the jobs and homeowners it doesn’t fit. One application under your name goes to participating lenders in turn, so a decline can move to the next eligible program. The link or QR code fits on any quote or invoice you already send, and Ottri charges your company nothing.