Multi-lender HVAC financing for contractors.
Don’t let one lender’s no end the sale. One branded application can move from prime loans down to lease-to-own where it’s offered, and Ottri charges your business nothing.
Keep your manufacturer’s program. Add Ottri for the rest.
Techs send it from the truck by link, QR code or text.
Funds paid to your business on eligible programs.
Your brand throughout. Applications never sold as leads.
No setup fee · No subscription · No demo · No minimums
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 HVAC companies: one branded application that moves between participating lenders, from prime loans to lease-to-own, so your techs don’t have to.
Most financing costs you money. Ottri doesn’t.
What offering financing usually costs a contractor, next to what Ottri costs.
−$1,140
A cut of every job
Many lenders keep a slice of each financed job. On a $12,000 job with a 0% offer, that can be about $1,140 of your money.
$1,249+
A bill every year
Some financing platforms charge $1,249 to $4,999 a year, even when no job gets financed.
$0
Ottri never charges you
No sign-up fee, no monthly bill and no cut of your jobs. On eligible programs, the lender deposits the money straight into your business account, not the homeowner’s. Special offers like 0% plans can carry a lender fee, and you decide whether to offer them.
No setup fee · No subscription · No demo · No minimums
Dealer-fee example: a 2025 manufacturer dealer flyer (9.51% after the factory buy-down on a 0% for 60 months plan). Platform fees: published plan prices, 2026.
Everything an HVAC company needs to sell with financing.
Contractor operations
A dead furnace in January is a lump sum nobody planned for. Put monthly options next to the price at the kitchen table and track every application.
Run financing from one dashboard
Manage applications, available offers, follow-up, funding status, and production in one place.
Track every application
Know which homeowners have started, which have offers and which owe another step, so the office can follow up after the service call.
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.
Field service and performance
Techs send the application from the truck by link or QR code. Managers see which techs, advisors and entry points turn service calls into funded installs.
Work from the field
Share an application link or QR code while reviewing the repair or replacement estimate, then follow up from your phone.
Measure tools and rep adoption
Compare activity by tech, comfort advisor, 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
Your logo, colors and support contact appear on the application the homeowner fills out.
Homeowners apply on the spot, under your brand, during the service call.
One application, multiple programs
Homeowners start one branded application at the kitchen table, alongside the repair or replacement estimate.
Direct-to-business funding
Participating lenders fund your business under the selected program’s funding conditions.
Links, QR codes, and messages
Text the application after the service call, or show a QR code on the estimate.
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.
See what needs action
Spot systems held up by paperwork, a missing homeowner signature or an unconfirmed install.
Work heat waves in order
When the first heat wave hits, every application from every tech lands in one pipeline, sorted by next step.
Keep installs moving
Give techs and comfort advisors the next step on each system, so homeowners aren’t left chasing a lender.
Track what starts applications
Compare applications started from truck links, QR codes on estimates, your website button and texts.
Measure each tech
See which techs and locations turn service calls into funded installs.
Fix what isn't working
Find entry points that get clicks but few finished applications, and coach the techs.
One lender is a dead end. Twenty is more ways to get the system in. All in one place.
With
A disconnected process
The manufacturer's card declines and the sale stalls.
One login per lender, one portal per program.
A dealer fee to price into every system.
The office calls techs for status.
Handoffs to lender-branded pages.
With Ottri
Declines continue to the next eligible lender, down to lease-to-own.
Every application, offer and funding status in one dashboard.
No Ottri fee to build into your price.
The office sees the next step on every install.
Your brand from the estimate to funding.
What HVAC companies ask before they offer financing.
Updated
Linda Park
AC and furnace replacement
Prime installment loan
First eligible lender
Second-look installment loan
Next eligible lender
Lease-to-own
Participating lease provider
Offer received
Lease-to-own, in the same application
Not a loan. Costs more than the cash price. Not offered in every state.
What if the homeowner doesn’t qualify for the manufacturer’s 0% offer?
The same application keeps going. Manufacturer promotions usually run through one lender and favor strong credit. With Ottri, a decline can continue to the next eligible lender, and lease-to-own options can follow in the same application where available. Keep your manufacturer’s program for the buyers it fits, and use Ottri for everyone else.
- One application, from prime installment loans and home equity to lease-to-own where available.
- In a 2026 ACCA survey, contractors using second-look programs financed a 12% higher share of sales.
- Lease-to-own isn’t a loan, costs more than the cash price and isn’t offered in every state.
- Check your manufacturer’s program terms for which lender must see an application first.
Sources: Trane Residential, financing: in general, approval requires a credit score of 670 or higher (2026). ACHR News, “From Perk to Expectation: How Financing Is Reshaping HVACR Sales” (March 3, 2026), citing the ACCA Contractor of the Future survey.
Daniel Ruiz
Heat pump replacement
Application sent from the truck
Technician
Offer accepted, documents signed
Homeowner
System installed
Your crew
Install confirmed
Homeowner
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the install is complete
Can homeowners finance an emergency HVAC replacement?
Yes, and it’s when one lender’s no hurts most. When a system fails, your tech sends the branded application from the truck by link, QR code or text, and the homeowner applies on their phone during the visit. Participating lenders consider it in turn, and the lender pays your business once the program’s conditions are met.
- A new system sold at the home carries the 3-day right to cancel, even on a repair call.
- In a genuine emergency, the homeowner can waive that right in a signed statement in their own handwriting.
- Home-equity credit has its own 3-day rescission period before work starts.
- Don’t promise same-day funding. Most programs fund after the install is confirmed.
Sources: 16 CFR Part 429 (FTC Cooling-Off Rule), buyer-initiated emergency waiver. 12 CFR 1026.23(e) (Regulation Z, waiver of the right of rescission).
Typical installed cost, 2026
EnergySage (March 2026); Fixr (2025–2026); This Old House (September 2026)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| AC repair | About $375 | Cash |
| Compressor replacement | $600–$3,000 | Installment |
| Gas furnace | $3,800–$10,000 | InstallmentLease-to-own |
| Mini-split, 1–3 zones | $2,000–$11,000 | InstallmentLease-to-own |
| Central AC | About $8,460 | InstallmentLease-to-own |
| Ducted heat pump | About $14,500 | InstallmentLease-to-own |
| AC and furnace | $7,500–$21,000 | InstallmentHome equity |
What does a new HVAC system cost in 2026?
More than most cost guides show. Homeowners reported a median of $5,500 per HVAC project in 2021–2023, but that mixes repairs with full systems. Real 2026 quotes for a ducted heat pump average about $14,500, and HVAC equipment prices are up about 60% since 2020. Big replacements are where financing does the most.
- Ottri network programs run from $1,000 to $750,000.
- Home equity can fit whole-home systems with new ductwork.
- Each lender confirms the amount on your estimate.
Sources: U.S. Census Bureau and HUD, 2023 American Housing Survey: Home Improvements (2024). U.S. Bureau of Labor Statistics, Producer Price Index PCU333415333415 (September 2026). EnergySage, air-source heat pump costs (March 2026); Fixr cost guides (2025–2026); This Old House, HVAC replacement cost (September 2026).
No federal credit on 2026 installs
Can homeowners still get a tax credit for a new heat pump or AC?
Not a federal one, for equipment installed in 2026. The federal energy tax credits for heat pumps, AC and furnaces ended for systems installed after December 31, 2025. Utility rebates and some state programs remain, and they set their own rules. Financing can cover what a homeowner used to expect back from the credit.
- What counts is when the installation is completed, not when it was paid.
- Federal heat-pump rebates run through state energy offices, and only some states pay them.
- Utility rebates vary by provider. Send homeowners to their utility and state energy office.
- Don’t call a system tax-credit eligible or promise a rebate. It isn’t tax advice.
Sources: Public Law 119-21 (2025); IRS, Instructions for Form 5695. U.S. Department of Energy, Program Notice 26-2 (2026); NASEO, Home Energy Rebates.
HVAC financing questions, answered.
How do HVAC contractors offer financing to customers?
HVAC contractors offer financing by letting homeowners apply with a lender at the estimate and pay for the system over time. With Ottri, your tech or comfort advisor sends one branded application by link, QR code or text, and participating lenders consider it in sequence, with lease-to-own options where available. On eligible programs the lender pays your business directly. Ottri never charges your business, and every lender decides for itself. In a 2026 ACCA survey of more than 1,000 contractors, close rates rose from 38% to 49% when financing was offered.
What does Ottri cost my business? Do lenders charge dealer fees?
Ottri never charges you: no sign-up fee, no monthly bill and no cut of your jobs. Special offers like 0% plans can carry a lender fee, and you decide whether to offer them. Many other financing programs keep a percentage of every financed job, and 0% offers usually cost the most.
We already have our manufacturer's financing. Can we use Ottri too?
Yes. Keep your manufacturer's program for the jobs it fits, such as a 0% promotion for a buyer who qualifies. Use Ottri for the rest: homeowners that program declines, repairs, and jobs outside the promotion. Some manufacturer programs say which lender must see an application first, so check your program's terms.
What happens when the first lender says no?
The same application continues to the next eligible participating lender, with no new form for the homeowner. Each lender makes its own decision, and lease-to-own options can follow in the same application where available. Lease-to-own isn't a loan, usually costs more than the cash price and isn't offered in every state. If no program approves, you see that in your dashboard.
Will every lender in the sequence pull the homeowner’s credit?
That varies by lender, product and step, and the homeowner is shown whether a step is a soft or hard inquiry before going on. An application only moves to the next eligible lender after the previous one declines, so a homeowner who qualifies early isn’t sent further down the line.
Can techs send the application from the truck on a no-heat call?
Yes. Your tech sends the branded application by link, QR code or text, and the homeowner applies on their own phone during the visit. Approval and funding still depend on the lender's steps, so don't promise same-day funding. A new system sold on a repair visit carries the federal 3-day right to cancel unless the homeowner, in a genuine emergency, waives it in their own handwriting.
Can homeowners finance repairs, or only full replacements?
Both, depending on the program. Programs across the Ottri network cover projects from $1,000 to $750,000, from a compressor or coil replacement to a whole-home system with new ductwork. Smaller repairs are often paid on the spot. Each lender confirms the amount on your estimate.
What do I need to sign up?
Create your business account online, then complete onboarding: business details and EIN, your HVAC or mechanical contractor license, insurance documents, a sample customer contract, verification of the owner’s identity and the business bank account that receives payouts. Signing up has no minimums. Lenders each review your business against their own requirements, and you can send applications once your programs are active.
Who approves the financing and sends the funds?
The participating lender approves the financing and sets the terms; for lease-to-own, the lease provider decides. 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.
Can we charge more when a customer finances, or give a cash discount?
Keep one price for cash and financed customers. Charging financed customers more, or building a financing cost into a price only they pay, can count as a hidden finance charge under federal lending rules. Ottri charges your business nothing, so there's no platform fee to price in. Follow each lender program's disclosure rules.