# House Painting Financing for Contractors > House painting 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/house-painting-financing — this Markdown document is generated from the same source at build time. ## Multi-lender house painting financing for contractors. Sell the whole-house repaint. Ottri is the complete painting financing platform: one branded application, 20 participating lenders, estimators 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 painting contractors, estimators, and reps. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a painting company needs to sell with financing. ### Contractor operations A full exterior repaint is a bigger ticket than homeowners expect. Present monthly payments with the estimate, 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 whether the homeowner has financing steps to complete as your team follows up on the painting estimate. - **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. ### Walkthroughs and performance Estimators send the application at the walkthrough by link or QR code. Managers see which estimators and entry points turn quotes into jobs. - **Work from the field** — Share a financing link or QR code during the painting walkthrough or estimate presentation. - **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 walkthrough. - **One application, multiple programs** — Homeowners start one application while considering the interior or exterior painting proposal. - **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 painting walkthrough. - **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 walkthrough links, estimate QR codes, 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 house painted. 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 painting contractors offer financing to customers? House painting customer financing lets homeowners apply for credit for eligible residential painting work through a participating lender. Ottri gives your business a branded application and one workspace for financing follow-up. Your team can introduce the option with the estimate and see what needs attention after the walkthrough. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the painting 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 interior and exterior painting projects be considered? A participating program may consider a defined residential painting project that meets its scope and amount requirements. Identify the rooms or surfaces, preparation, materials, and labor included in the estimate. A whole-home repaint and a small touch-up are different jobs, and each is matched to the programs that fit its size. 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. ### Can preparation and related repairs be included in the painting request? Describe preparation and any related work in the estimate and confirm which costs the participating program accepts. Keep substantial repairs distinct from the painting scope so the homeowner understands the project. If the work changes after inspection, review the revised estimate and financing requirements before proceeding. Itemizing prep and repairs is how a paint estimate becomes a complete, financeable exterior job. ### 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. ### Is a small painting job eligible for financing? That depends on the actual estimate and the participating program's minimum amount and project rules. Financing should be offered where it fits the work and customer's needs. Ottri does not assume that every room repaint or touch-up qualifies, and the lender determines the amount and terms available. Where the job does fit, one application still reaches 20 participating lenders. ### How can we tell whether our painting estimators are using financing? Ottri shows application activity by representative and supported entry point, including links and QR codes. Your manager can compare starts and completions and see applications needing follow-up. Use this view to identify where a rep may need help introducing financing and where a customer application needs attention. That is how a manager finds out which estimators are quoting cash-only and losing the bigger jobs. ### 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.