# Insulation Customer Financing for Contractors > Insulation 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/insulation-financing — this Markdown document is generated from the same source at build time. ## Multi-lender insulation financing for contractors. Sell the whole-home upgrade. Ottri is the complete insulation financing platform: one branded application, 20 participating lenders, assessors closing at the property, 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 insulation contractors, assessors, and reps. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything an insulation company needs to sell with financing. ### Contractor operations Whole-home insulation with air sealing is a real ticket. Present monthly payments with the assessment, 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 after reviewing your insulation proposal. - **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. ### Assessments and performance Assessors send the application at the property by link or QR code. Managers see which assessors and entry points turn assessments into installs. - **Work from the field** — Share a financing link or QR code during the home assessment or insulation estimate discussion. - **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 assessment. - **One application, multiple programs** — Homeowners complete one application while considering your insulation assessment and the proposed work. - **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 insulation assessment. - **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 assessment links, estimate QR codes, and other supported entry points generate insulation 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 home insulated. 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 insulation contractors offer customer financing? Insulation customer financing lets homeowners apply for credit toward eligible residential installation work through a participating lender. Ottri gives your business a branded application and one place to manage financing follow-up. Your team can discuss the assessment and estimate while the homeowner considers the financing terms available to them. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the insulation 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 attic, wall, or crawl space insulation be considered? A participating program may consider the specified insulation project when the scope, applicant, business, and amount meet its requirements. Identify the material, installation, and associated work in the estimate. Different products and areas of the home should be evaluated against the actual program rather than assumed to share eligibility. 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 removal or air sealing be included with the insulation? Describe removal, air sealing, and other associated work in the estimate and confirm which costs the participating program accepts. This keeps the financing request aligned with the installation being proposed. If the assessment reveals additional work, review the revised scope before relying on an existing offer. Itemizing removal and air sealing is how an attic quote becomes a whole-home 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. ### Should financing be based on the installation price or expected savings? Use the actual project estimate and the lender's available terms. Any energy-savings estimate should be explained separately with its own basis and assumptions. Utility savings are a separate conversation from the monthly payment; keep them apart and the homeowner gets a clear picture of both. A monthly payment gives the homeowner a concrete number to weigh against their utility bill, without promising a result. ### How can our office follow up after the insulation assessment? Send the branded application with the installation estimate. Authorized staff can review its status and required next steps in Ottri, then follow up on what remains unfinished. Keep any rebate or tax-credit discussion separate and supported by the applicable program information; Ottri's financing application does not determine incentive eligibility. That shared view is how a small office keeps a season of assessments moving toward installs. ### 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.