Multi-lender HVAC financing for contractors.
Replace the system the same visit. Ottri is the complete HVAC financing platform: one branded application, 20 participating lenders, techs closing from the truck, 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 technicians, sales teams, and locations.
Direct-to-business funding on eligible programs.
Banks and Lenders
20
Finance projects up to
$750K
Full credit coverage
300–850
One application. Eligible lenders, considered in sequence.
Everything an HVAC company needs to sell with financing.
Contractor operations
A dead furnace in January is a lump sum nobody planned for. Offer monthly payments at the kitchen table and track every application from the office.
Field service and performance
Technicians send the application from the truck by link or QR code. Managers see which techs and entry points turn service calls into installs.
More financing paths for every system, from repair to full replacement.
Financing
Wider Coverage
300 to 850
Reported consumer credit profiles across the Ottri network, with eligibility and options determined by participating lenders.
Project size
Available financing range
$1K to $750K
Support repairs, replacements, renovations, and larger projects through available installment and HELOC programs.
Program and product availability varies by applicant, project, and participating lender.
Homeowners apply on the spot, under your brand, during the service call.
One application, multiple programs
Homeowners complete one branded application alongside the HVAC estimate, on their own mobile device.
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 HVAC service visit.
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
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.
One lender is a dead end. Twenty is more ways to get the system in.All in one place.
With
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
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.
HVAC financing questions, answered.
HVAC customer financing gives a homeowner a way to apply for credit for eligible heating and cooling work through a participating lender. Ottri puts the application under your business's brand and connects the financing workflow to your team. Your technicians can introduce the option, while the office tracks progress and required follow-up. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the HVAC sale.
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.
Depending on the participating program, eligible work may include system replacement, heating or cooling installation, and qualifying repairs. The estimate should identify the equipment, labor, and associated work being requested. A maintenance visit and a full system replacement are different scopes; neither qualifies solely because it is an HVAC job. Because one application is considered by multiple lender programs in sequence, a project that does not fit one program can still fit another.
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.
Your technician can introduce the application during a service visit, including an urgent replacement discussion. Credit approval and funding still depend on the lender and required steps. Explain the repair timetable separately and confirm financing conditions before promising that funding will be available for a same-day installation. That is the moment financing matters most: the homeowner has no heat and one option is not enough.
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.
Use an estimate that clearly identifies the proposed equipment and installation work. Whether the full amount is eligible depends on the participating program and homeowner's application. Ductwork, electrical work, or other related items should be identified in the scope and confirmed with the program rather than assumed to be covered. Across the Ottri network, participating programs cover projects from $1,000 to $750,000, from a single unit to a whole-home system with ductwork.
Authorized office staff can see the application status and required next steps, including missing documents, in Ottri. They can continue financing follow-up without relying on the homeowner to relay each update to the technician. Your business decides who follows up and when; Ottri provides the shared application view. That visibility is why offices stop calling technicians for status updates.
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.
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.