Multi-lender gutter financing for contractors.
Customer financing for the homeowner, not a business loan. They apply on their own phone from your written quote, and participating lenders review the one branded application in turn.
From $1,000: gutters, guards and fascia.
Gutters can share a roof job’s application.
The lender pays you on eligible programs.
Your name on the application; 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 gutter installers: one branded application for seamless gutters, guards, fascia and downspouts, which participating lenders consider in turn. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Guard promotions can cost the installer. Ottri has no setup or subscription fee.
Same-as-cash plans usually carry a fee the installer pays out of the job. One published lender schedule, next to Ottri:
−$400
A 12-month promo
Priced on a $5,000 guard job, a 2019 national lender rate sheet’s same-as-cash dealer fees come to about $400 for 12 months (7.99%) and $650 for 24 (13%).
$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 and no subscription. Before you offer a program, Ottri shows what a financed job on it costs your business.
No setup fee · No subscription · No minimums to sign up
Promotion costs: a 2019 national lender schedule, with a 7.99% dealer fee for 12 months same-as-cash and 13% for 24. Platform fees: published plan prices, July 2026.
Everything a gutter installer needs to offer financing.
Sales and the office
Jobs run from new seamless runs to guards on every side, most hung in a day, and every application lands in one dashboard.
Run financing from one dashboard
Offers, open items and funding for every job, from the measured quote to the last downspout.
Track every application
See which homeowners opened the application after the walk-around and didn’t finish.
Track funded volume
See funded gutter jobs by estimator, crew and month.
Manage supported promotions
Pick the lender promotions you offer, with each one’s cost to you shown first.
Estimates
Estimators leave the link with the itemized quote; the homeowner applies whenever it suits them, and owners see which quotes turn into applications.
Work from the field
Put a QR code on the printed quote, or text the link after measuring.
Measure tools and rep adoption
Compare estimators by how many of their quotes start an application.
Measure every entry point
See whether homeowners begin with the QR code, a text or your gutter guard page.
Keep the experience branded
Every screen the homeowner sees carries your company’s name.
The quote stays with the homeowner; the application opens on their own phone.
One application, multiple programs
Gutters, guards, fascia and downspouts go on a single application, and participating lenders take it one at a time.
Direct-to-business funding
On eligible programs, the lender deposits the money in your company’s account.
Links, QR codes, and messages
A code on the quote, a texted link, or a link in the follow-up email.
Homeowner-friendly experience
The homeowner reads each offer’s full terms on their own phone before accepting.
Your business stays front and center
From the written quote to the last downspout, the application shows your company’s name.
Available promotions
Know a lender promotion’s cost to you before it lands on a gutter quote.
Jobs held up by paperwork, and the quotes that start applications.
Spot what’s waiting
Find gutter jobs held up by a document, a signature or the install date.
Keep follow-up in one place
Clear the lender’s open items before the crew hangs the first run.
Keep crews scheduled
Book the seamless machine and the crew once financing on the job is settled.
See what starts applications
Find out whether the quote’s code, a text, an email or your site starts the most applications.
Compare estimators
See which estimators’ quotes become applications.
Improve distribution
Add the link to quotes, follow-up texts and your gutter guard page.
One decline shouldn’t stop the gutter job: 20 lenders in the network. All in one place.
With
A disconnected process
Gutters, guards and fascia on separate plans.
A decline, and the old gutters stay up.
A tonight-only price and a vague lifetime promise.
A promo’s cost shows up on the funding statement.
Approved, then waiting on a missing signature.
With Ottri
The whole gutter scope on one application.
The same application goes to the next eligible lender.
One written price, and the warranty in writing.
Every promo’s cost on screen before it’s offered.
Open items and funding for every gutter job in one view.
What gutter installers ask before offering financing.
Updated
Dana Whitfield
Example: 160 ft of seamless gutters with micro-mesh guards
Footage measured, quote written
Your estimator
Applied on her own phone
Homeowner
Signed, and 3 business days passed
Homeowner
Gutters and guards going up
Your crew
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the finished install
Which rules cover gutter guard sales made in the home?
The FTC’s 3-day rule, even when the homeowner booked the visit. Sundays and federal holidays don’t count, the price includes interest, refunds are due within 10 business days, and starting the install doesn’t end the right. A rep who sells a warranted product must say, before the sale, that warranty copies are there to read.
- California gives buyers 65 and older five business days to cancel.
- One written price for cash and financed buyers, with the date it holds until.
- The homeowner applies on their own phone; let the window run before the crew installs.
- Tell the buyer about the right to cancel out loud, and leave two copies of the notice form.
Sources: FTC Cooling-Off Rule, 16 CFR 429; Magnuson-Moss pre-sale availability rule, 16 CFR 702.3(d); California Civil Code §1689.6 (buyers 65 and older).
Gutter and guard costs by job, 2025–2026 guides
HomeGuide (November 2025, February 2026); This Old House (October 2026)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Gutter repair | $150–$750 | Cash |
| Seamless aluminum, whole house | $900–$2,400 | CashInstallment |
| Seamless steel | $1,200–$4,000 | CashInstallment |
| Guards on 200 ft, installed | $3,000–$9,000 | Installment |
| New gutters plus guards | $3,500–$8,000 | Installment |
| Copper gutters | $4,500–$10,000 | Installment |
What do gutters and guards cost in 2026?
It depends on the metal, the stories and the guards. Guides put seamless aluminum at $6 to $12 a foot, about $900 to $2,400 a house, steel at $8 to $20 and copper at $30 to $50. Installed guards add $15 to $45 a foot, so new gutters with guards on a whole house come to roughly $3,500 to $8,000.
- Network programs start at about $1,000; most repairs, at $150 to $750, are card or cash jobs.
- Itemize removal, downspouts, fascia boards and guards by the foot on one quote.
- Aluminum mill prices rose 25% and copper 30% in the year to September 2026; date every quote.
Sources: HomeGuide, seamless gutters (November 2025) and gutter guards (February 2026); Fixr, gutter guard installation (January 2025); This Old House, gutter installation and gutter guard installation (October 2026); BLS producer price indexes for aluminum and copper and brass mill shapes (September 2026).
Warranty in writing
What should a gutter guard quote say about warranties and cleaning?
Whose life “lifetime” means, and what it pays for. Some guard warranties refund only the material price, some prorate for later owners, and some exclude homes near the coast. Put the full warranty in the homeowner’s hands before they sign, and write down how often the guarded gutters still need a check and a cleaning.
- FTC guides say a “lifetime” claim should state the life it refers to.
- Skip guards that lift or fasten through shingles; a shingle warranty may not cover guard damage.
- Leave out “never clean again” and home-value claims; guides still advise a yearly check.
Sources: FTC Guides on guarantees, 16 CFR 239.4 (“lifetime” claims); 16 CFR 702.3 (warranty copies before the sale); HomeGuide, seamless gutters (November 2025) and gutter guards (February 2026); This Old House, gutter installation (October 2026).
Lena Ortiz
Example: $5,800 gutters, guards and fascia
Prime loan
Lender 1
Mid-tier loan
Lender 2
Installment loan
Lender 3
Offer received
Installment loan offer for the full gutter scope
Each offer opens on the homeowner’s own phone.
How do gutters fit with the roof, the fascia and the downspouts?
As part of one exterior scope. Rotted fascia comes off before new gutters go up, at about $5 to $12 a foot. Downspouts can’t drain into a sewer meant only for sewage, and New York City requires disconnection from its sanitary sewer. The model code requires controlled roof drainage only where expansive or collapsible soils are known.
- Gutters on a roof or siding job can share that application where the program accepts the scope.
- In its mandatory areas, Portland bars reconnecting downspouts to the combined sewer without approval.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
Sources: International Residential Code 2021, R801.3, and International Plumbing Code 2021, 1101.3 (as adopted in Colorado); NYC DEP, downspout disconnection; Portland City Code 17.37; HomeGuide, fascia repair (November 2025); California Business and Professions Code §7159.5.
Gutter financing questions, answered.
How can gutter installers offer customer financing?
Add it to the itemized quote next to cash and card. From their own phone, the homeowner completes one application under your name and sees, at each lender’s step, whether the credit pull will be soft or hard. Participating lenders take turns with it, an eligible program pays your company, and Ottri has no setup fee or subscription.
Our guard brand or our software already offers financing. Why add Ottri?
Keep it. Put your Ottri link or code on the same written quote as a second option for every homeowner, not only after a decline. If they choose it, participating lenders take one branded application in turn. There’s no setup fee or subscription.
Why do some sites say gutter guards cost $335?
That figure is materials only. Installed guards run about $15 to $45 a foot, or $3,000 to $9,000 for 200 feet. A 2026 survey of guard buyers found a $7,941 average but a $5,000 median, so price the homeowner’s measured footage, not a national number.
Can gutters, guards and fascia repair go on one application?
Yes, if it’s one contracted job with one price that fits each program’s limits. Itemize removal, gutters by the foot, downspouts, fascia boards and guards so the lender sees the whole job. When gutters ride on a roof or siding contract, they can share that application where the program accepts the scope.
Is a small gutter repair big enough to finance?
Usually not. Most repairs run $150 to $750, and network programs start at about $1,000, so a reseal, re-pitch or new section is usually a card or cash job. Financing fits whole-house replacement, guards on every run, copper, and gutters on a roof or siding job.
Does the 3-day right apply when the homeowner invited us?
Yes. The FTC’s rule covers sales at the home, including those made after an invitation by the buyer. Sundays and federal holidays don’t count, the price includes interest, and starting the install doesn’t end the right. In California, buyers 65 and older get five business days.
What does a gutter or guard company need to sign up?
Sign up online, then upload the EIN, the owner’s ID, proof of insurance, any license your state requires for gutter work, a sample contract and the account for deposits. Ottri reviews each company first, and every lender has its own entry bar, such as time in business, so a new seamless shop may see fewer programs at first.
How do we answer a homeowner who has a big brand’s promotional offer?
With the same facts for every plan. Put your one written price beside each offer’s rate, term, monthly payment and total, and for a same-as-cash plan, the date it ends and what’s owed after it. Participating lenders may offer promotions, and Ottri shows each one’s cost to you before you offer it.
Who approves the financing and pays for the job?
The lender, not Ottri, approves the application and sets the terms. On eligible programs it pays your company directly; most pay after the homeowner confirms the install, and some pay at signing. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Can gutter guards affect the homeowner’s roof warranty?
They can. Guides warn that guards set under or fastened through shingles may void a roof warranty. One shingle maker said in 2018 that covers installed to shingle makers’ instructions generally leave its warranty alone, but it doesn’t cover guard damage. On a reroof, agree the guard method with the roofer in writing.