Multi-lender landscaping customer financing for contractors.
Sell the whole design instead of phase one. Ottri sends one branded application to participating lenders in turn, so the homeowner can approve the full plan, and it charges your business nothing.
Your brand from presentation to funding; never sold as leads.
One application for patio, plantings, irrigation and lights.
Eligible programs pay your firm directly, not the homeowner.
Already offer financing? Add Ottri for the declines.
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 customer financing platform for landscape design-build firms: one branded application for the whole design, which participating lenders review one after another. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Landscape promotions usually cost the contractor. Ottri costs you nothing.
What landscape firms typically give up in dealer fees to offer promotional financing, next to what Ottri charges.
−$2,000
A 12-month promo
On a $25,000 design-build, a 2019 national lender schedule charged 7.99% for 12 months same-as-cash, about $2,000, and 13% for 24 months, about $3,250.
$1,500+
A yearly platform fee
Platform subscriptions bill $1,500 to $6,000 a year whether your crews install ten yards or none.
$0
Ottri never charges you
Free to join, free to keep and nothing taken from the install. On eligible programs the lender pays your company, not the homeowner. A lender’s promotional plans can carry its own fee, and you choose whether to offer them.
No setup fee · No subscription · No demo · No minimums
Promo costs: 2019 rate sheet from a national lender (7.99% for 12 months same-as-cash; 13% for 24 months). Platform fees: plan prices published July 2026.
Everything a landscape company needs to sell with financing.
Designs and installs
Landscape jobs are sold at the design meeting in winter and built in phases in spring. Every application, offer and funding step stays in one place.
Run financing from one dashboard
Every design’s application, offer and funding step in one place, from the presentation to the final walkthrough.
Track every application
See which homeowners applied at the design presentation and which haven’t decided yet.
Track funded volume
Track funded installs by designer and month.
Manage supported promotions
Set up the plans your lender programs allow and see each program’s terms before you present the full design.
Design presentations
Designers send it at the kitchen table or with the plan by email. Owners see which designers turn plans into financed installs.
Work from the field
Share a link or QR code at the site walk, or send it with the design file.
Measure tools and rep adoption
Compare application starts and completions by designer.
Measure every entry point
See whether applications start from proposal QR codes, plan emails or your website.
Keep the experience branded
Your logo and colors on the application, so the homeowner sees your firm, not a lender.
Homeowners apply on their own phone, under your name, after the design presentation.
One application, multiple programs
One application for the whole plan, which participating lenders review in sequence.
Direct-to-business funding
Approved funds go to your firm on eligible programs, not the homeowner.
Links, QR codes, and messages
A link in the plan email, a QR code at the site walk or a text after the presentation.
Homeowner-friendly experience
Before any step, homeowners learn if it runs a soft or a hard credit pull.
Your business stays front and center
Your firm’s name on the application, from the plan to the funding notice.
Available promotions
Where a lender runs a promotion, offer it once you know its cost to your firm.
See which installs need action and which designers start applications.
See what needs action
Find installs stuck on a missing document, an unsigned offer or the final walkthrough.
Keep follow-up in one place
Open the application, check what the lender still needs and keep the install on schedule.
Keep installs moving
Show the office which designs the homeowner has accepted and which are still with the lender, before spring crews are booked.
See what starts applications
Compare starts from proposal QR codes, plan emails, website buttons and texts.
Compare designers
See which designers’ presentations turn into applications and which stall.
Improve distribution
Put the link in the proposal, the plan email and your website’s project gallery.
One lender’s no shouldn’t shrink the design. A network of 20 helps. All in one place.
With
A disconnected process
The homeowner approves phase one and stops.
A decline sends the plan back to the drawing board.
A platform fee whether or not a job funds.
A rebate counted into the price before it arrives.
Phases tracked in spreadsheets.
With Ottri
One application for the whole design.
The application moves to the next eligible lender.
No Ottri fee on any landscape job.
Full price financed; the rebate stays the homeowner’s.
Each job’s funding step in one dashboard.
What landscape firms ask before they offer financing.
Updated
Olivia Grant
Example: $25,000 patio, plantings and lighting
Prime installment loan
Lender 1
Promotional same-as-cash plan
Lender 2
Installment loan, 144 months
Lender 3
Offer received
Installment loan, 144 months, for the full design
Phases follow your build schedule, not the homeowner’s savings.
Can the homeowner finance the whole design instead of phase one?
Yes, within each program’s limits. Price the full plan once, sign one contract with a written phase schedule, and let the phases follow your crew’s calendar rather than the homeowner’s savings. If the first lender won’t cover the whole design, the application moves on to the next eligible lender with no new paperwork.
- In 2023, landscape pros priced a 288 sq ft paver patio at $10,500 and irrigation at $6,000.
- Maximums differ by lender, so a big design may fit some programs, not all.
- Sold at the homeowner’s house? Hold stone and plant orders until the 3-day window closes.
Sources: NAR, 2023 Remodeling Impact: Outdoor Features; HomeGuide, landscaping costs; California Business and Professions Code §7159 (phase schedules and change orders); FTC Cooling-Off Rule, 16 CFR 429.
Installed landscape cost, sources 2023–2026
HomeGuide (2023–2026); NAR, NALP (2023)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Design plan | $700–$3,000 | Cash |
| Paver patio | $3,800–$10,500 | CashInstallment |
| Irrigation system | $3,000–$10,000 | Installment |
| Drainage and grading | $1,000–$5,000 | CashInstallment |
| Landscape lighting | $800–$6,800 | CashInstallment |
| Full backyard design-build (Ottri’s sum) | $15,000–$60,000 | InstallmentHome equity |
What does landscaping cost in 2026?
Stacked from cost guides, a full backyard design-build comes to roughly $15,000 to $60,000: a patio at $3,800 to $10,500, irrigation at $3,000 to $10,000 and lighting at $800 to $6,800, plus design, walls and plantings. Guides disagree, sometimes on the same page, so date every number and quote the real scope.
- Realtors put recovery on four common installs at 59% to 100%; make no value claims.
- Labor is about 80% of a typical landscaping bill, so wages move prices more than stone or pipe.
- One cost guide lists two sprinkler prices on the same page; quote your own.
Sources: HomeGuide, landscaping costs (February 2026); NAR, 2023 Remodeling Impact: Outdoor Features.
Approval comes before demolition
Can homeowners use a turf rebate toward the project?
Yes, but the rebate is theirs and it comes later. Most programs require approval before any grass comes out and pay after an inspection, often weeks later or as a bill credit. Price the job at full cost and finance the full cost; don’t net the rebate out of the payment. Design to the program’s rules from the start.
- Southern California pays $2 a square foot and excludes artificial turf.
- Las Vegas pays per square foot, but only with a permanent conservation easement.
- California, Florida and Texas limit HOA bans on water-wise yards.
- Rebates are capped and funds can run out mid-season; never promise an amount.
Sources: SoCal Water$mart, turf replacement program (read October 2026); Southern Nevada Water Authority, water smart landscapes (read October 2026); City of Scottsdale, water rebates (read October 2026). California Civil Code §4735; Florida Statutes §373.185; Texas Property Code §202.007.
Daniel Brooks
Example: front and back yard, two phases
Design signed, phase schedule set
You and the homeowner
Phase 1: patio and drainage
Your crew
Phase 2: plantings, irrigation, lighting
Your crew
Final walkthrough confirmed
Homeowner
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the final walkthrough
When does a landscaper get paid on a financed install?
Usually once, at completion. Most programs on the Ottri network pay your firm when the homeowner signs off on the finished job; some pay at signing. On a phased design, you carry the early phases until the last one is done, so build them back to back, and keep plant and stone deposits within your state’s limits.
- In California, the down payment can’t exceed $1,000 or 10%, whichever is less.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
- Maryland caps deposits at one-third; Pennsylvania does over $5,000.
- Financing covers installs; maintenance contracts stay separate.
Sources: California Business and Professions Code §7159.5; Maryland Business Regulation §8-617; Pennsylvania Home Improvement Consumer Protection Act, 73 P.S. §517.9.
Landscaping financing questions, answered.
How do landscapers offer financing to customers?
Landscapers that offer financing usually bring it up at the design presentation, once the plan and price are set. With Ottri, the designer sends one branded application with the plan email or by QR code on the proposal; participating lenders review it one at a time, and eligible programs pay your firm directly. Ottri charges your business nothing.
Can one application cover the patio, plantings, irrigation, drainage and lighting?
Yes, within each program’s limits, if it’s one contracted design priced once; each lender checks the scope and the amount. Put the phases on the build schedule in writing, and if the design changes after approval, sign a change order and let the lender review the new amount.
Will an approval from a winter design meeting last until the spring install?
Not always. Approvals expire on each lender’s own schedule, so a design approved in January may not still be approved when the crew starts in April. Before the homeowner accepts, check how long the offer lasts and date your quote; if it lapses, they can apply again for the same design, which may mean another credit check.
Does artificial turf qualify for water rebates?
It depends on the utility. Southern California’s program excludes it, Las Vegas accepts permeable turf only with 50% plant cover, and Scottsdale allows a limited area. Check the current rules before you design.
How much deposit can we take for plants and stone?
State law sets the limit. California: $1,000 or 10%, whichever is less, with no special-order exception and nothing ahead of the work, even from a lender. Florida: permit and start deadlines above 10%. Maryland: one-third; Pennsylvania: one-third over $5,000, plus special-order materials. New York: escrow or a bond.
Do retaining walls or grading need permits?
Often. Retaining walls over 4 feet, measured from the bottom of the footing, or any wall holding back a slope, driveway or structure, generally need a permit and sometimes engineering. Grading often needs a permit too. Call 811 a few business days before any digging, planting included; in Texas, irrigation work needs a state irrigator license.
What happens if the first lender declines?
The application moves to the next eligible lender, and that lender decides for itself. If the full design isn’t approved, you can build the first phase now and the rest later, or the homeowner can cover part another way.
What do I need to sign up?
Open an account online, then upload your EIN, business details, contractor or landscape license, insurance certificate, a sample install contract, the owner’s ID and your deposit account. Joining has no minimum; lenders then apply their own requirements, such as how long you’ve operated.
Who approves the financing and sends the funds?
The lender that approves the application sets the terms and, on eligible programs, pays your firm directly. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Can we tell homeowners landscaping adds 15% to their home value?
No. In NAR’s 2023 survey, Realtors estimated cost recovered at 59% for lighting, 83% for irrigation, 95% for a patio and 100% for a landscape upgrade, and those are opinions, not sales data. Sell how the yard will be used.