Multi-lender plumbing financing for contractors.
When a water heater fails or a sewer line collapses, one lender’s no shouldn’t send the homeowner to a patch or another plumber. One branded Ottri application reaches participating lenders one at a time, at no cost to you.
Sent on the call under your brand; never sold as leads.
One application for the heater, the line or the repipe.
Already offer financing? Add Ottri for the declines.
On eligible programs, the money goes to your company.
No setup fee · No subscription · No minimums to sign up
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 plumbing companies: one branded application for water heaters, sewer lines and repipes, which participating lenders consider in turn. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Plumbing promotions usually cost the plumber. Ottri costs you nothing.
What plumbing companies typically give up in dealer fees to offer promotional financing, next to what Ottri charges.
−$720
A 12-month promo
On a $9,000 sewer job, a 2019 national lender rate sheet charged 7.99% for 12 months same-as-cash, about $720, and 13% for 24 months, about $1,170.
$1,500+
A yearly platform fee
Financing add-ons sold as subscriptions start around $1,500 a year and run to $6,000, used or not.
$0
Ottri never charges you
No enrollment fee, no monthly bill and no share of the job. On eligible programs the lender pays your company, not the homeowner. Some lender programs, such as promotional plans, can carry a lender fee; whether to offer them is your call.
No setup fee · No subscription · No minimums to sign up
Promo costs: a national lender’s 2019 rate sheet (12 months same-as-cash at 7.99%, 24 months at 13%). Platform fees: published plan prices, July 2026.
Everything a plumbing company needs to sell with financing.
Service calls and big jobs
Plumbing runs from same-day water heaters to sewer jobs that need permits and restoration. Keep every application, offer and funding step in one place.
Run financing from one dashboard
Every call’s application, offer and funding step in one place, from the estimate to completion.
Track every application
See which homeowners applied on the call and which started but haven’t finished.
Track funded volume
Track funded jobs by technician and month.
Manage supported promotions
Turn on the promotions your lender programs support and know each one’s cost before a tech offers it.
Technicians in the field
Techs send it from the driveway or the basement, or text it with the estimate. Owners see which techs turn estimates into financed jobs.
Work from the field
Share a link or QR code on the call, or text it with the estimate when the homeowner needs time.
Measure tools and rep adoption
Compare application starts and completions for each technician.
Measure every entry point
See which applications begin with an estimate QR code, a follow-up text or your website.
Keep the experience branded
Your logo and colors on the application, so homeowners know it’s from the plumber they called.
Homeowners apply on their own phone, under your name, on the call or after.
One application, multiple programs
One application for the whole job, which participating lenders take one at a time.
Direct-to-business funding
On eligible programs, the lender sends approved funds to your company.
Links, QR codes, and messages
A link by text, an email after the camera inspection or a QR code on the estimate.
Homeowner-friendly experience
Homeowners see whether a step is a soft or hard credit check, and each offer’s terms before they accept.
Your business stays front and center
Your company’s name on the application, so it’s clearly from the plumber they called.
Available promotions
Offer a lender’s promotional plan where one exists, knowing its cost before the quote.
See which plumbing jobs are waiting and which techs start them.
See what needs action
Find calls held up by a missing document, a signature or the homeowner’s completion sign-off.
Keep follow-up in one place
Open the application, see what the lender still needs and close it out before the next call.
Keep plumbing jobs moving
Show dispatch which bigger jobs are approved before the crew is booked.
See what starts applications
Compare how many starts come from estimate QR codes, texts, emails and website buttons.
Compare technicians
See which techs get homeowners to start and finish applications.
Improve distribution
Put the link on the estimate, in the follow-up text and on your website.
One lender’s no shouldn’t mean a cold shower. A network of 20 helps. All in one place.
With
A disconnected process
The homeowner is declined and calls someone else.
A sewer job split into repair now, replace never.
A yearly fee for a financing add-on.
Financing left to the homeowner’s credit card.
The office calls the lender for status.
With Ottri
The same details go to the next eligible lender.
One application for the line, restoration and permit.
No Ottri fee on any plumbing job.
A branded application on the call.
Each job’s funding step in the dashboard.
What plumbing companies ask before they offer financing.
Updated
Sam Patel
Example: $4,500 tankless water heater
Prime installment loan
Lender 1
Promotional same-as-cash plan
Lender 2
Installment loan, 60 months
Lender 3
Offer received
Installment loan, 60 months
The homeowner reviews the terms on their own phone.
Can plumbers offer water heater financing on the service call?
Yes, if a lender approves it. The homeowner applies on their own phone during the visit, and a decline moves the same application to the next eligible lender. A like-for-like tank runs about $1,200 to $2,500. Programs on the Ottri network start at $1,000, but minimums vary by lender, so a basic tank swap fits fewer programs than tankless.
- Tank water heaters typically last about 8 to 12 years.
- There’s no federal tax credit for water heaters installed in 2026.
- Funding follows each program’s conditions, often after the job is complete.
Sources: This Old House, water heater installation cost; This Old House, tankless water heater cost; Fixr, water heater installation; IRS, Instructions for Form 5695.
Installed plumbing cost, 2025–2026
This Old House (2026); Fixr (2025)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Tank water heater | $1,200–$2,500 | CashInstallment |
| Tankless water heater | $2,500–$4,500 | Installment |
| Sewer line, 60 ft | $3,000–$15,000 | Installment |
| Main water line | $1,500–$12,000 | Installment |
| Slab leak reroute | $4,000–$15,000 | Installment |
| Whole-house repipe | $4,000–$20,000 | Installment |
What do a sewer line replacement and a repipe cost in 2026?
It depends on the method and the footage. Digging runs about $50 to $200 a foot and trenchless $60 to $250, so a 60-foot line is $3,000 to $15,000 before restoration, the camera and the permit. Replumbing a whole house runs about $2 to $6 a square foot, roughly $4,000 to $12,000 for 2,000 square feet.
- Copper producer prices rose 30% in a year; plastic pipe and fittings, 4.5%.
- Single sewer averages hide the per-foot math; quote the real footage.
- Check insurance and any city sewer-lateral program first; finance the rest.
Sources: This Old House, sewer line replacement cost; This Old House, plumbing cost; Fixr, plumbing cost per square foot; Fixr, slab leak repair. Bureau of Labor Statistics Producer Price Index, September 2026: copper and brass mill shapes and plastics pipe and fittings; Section 232 copper proclamation, 90 FR 37727 (effective August 1, 2025).
Rosa Martinez
Example: 60-foot sewer line replacement
Camera inspection, estimate signed
You and the homeowner
Application approved
Lender
Line replaced, yard restored
Your crew
Inspection passed, job confirmed
Inspector and homeowner
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the job is complete
When does a plumber get paid on a financed job?
Usually after the job is done and the homeowner confirms it. Most programs on the Ottri network pay your business at completion; some pay at signing. When the 3-day right to cancel applies, as on a heater sold on a repair call, funding may wait until it ends. Jobs that need a permit may need the inspection first.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
- An emergency waiver of the 3 days must be dated and in the homeowner’s handwriting.
- The dashboard shows each job’s next funding step.
Sources: California Business and Professions Code §7159.5; 16 CFR 429.0 (FTC Cooling-Off Rule definitions).
Who pays depends on the utility
Who pays to replace a lead service line?
It depends on the water utility. The 2024 federal rule requires lead lines to be replaced within 10 years of its November 1, 2027 compliance date, but it doesn’t say who pays for the homeowner’s side. Some cities cover it; others don’t. If the homeowner replaces their side, the utility must replace its part, usually within 45 days.
- EPA puts a full lead line replacement at about $6,500 to $8,500 (2021 data).
- Point homeowners to their utility’s service line inventory first.
- Describe the rule plainly; don’t sell on fear.
Sources: EPA Lead and Copper Rule Improvements, 89 FR 86418 (October 30, 2024).
Plumbing financing questions, answered.
How do plumbers offer financing to customers?
Plumbers offer financing on the service call or with the estimate. With Ottri, your tech texts the homeowner one application under your company’s name; participating lenders take it in order, and on eligible programs the lender deposits the funds with you. There’s no Ottri fee. Owners spent about $5.9 billion on water heaters in 2023.
Does the 3-day right to cancel apply to a water heater sold on a repair call?
Usually yes. A new heater sold at the home for $25 or more carries the right even when the visit began as a repair call, so the homeowner can cancel until midnight of the third business day. The exception is a genuine emergency they called you about, waived in a dated statement in their own handwriting. California gives buyers 65 and up 5 business days.
Is there a federal tax credit for a water heater in 2026?
No. The federal credit (25C) ended for water heaters installed after December 31, 2025. Income-limited rebates of up to $1,750 for heat pump water heaters have launched in 13 states and DC; in existing homes they now cover only electric-to-electric upgrades. Some utilities add their own. Pages still promising a federal credit are out of date.
Are tankless water heaters being banned?
No. Congress struck down the gas tankless rule in May 2025. Most full-size electric tank heaters made from May 2029 must use heat pump technology, while small electric tanks stay available and older stock can still be installed. Explain the rule without using it to pressure a sale.
Can our techs show monthly payments in the price book?
Yes, if every term goes with it: the APR, the down payment and the repayment terms, marked as an example. A price book, flyer or ad that shows a monthly figure by itself can trigger federal disclosure rules; a written estimate for one homeowner doesn’t. Quote the same price whether the homeowner pays cash or finances.
What happens if the first lender declines?
The application goes to the next eligible lender without the homeowner starting over, and that lender decides for itself. When nobody approves the whole amount, the homeowner can cover part another way, or you can quote the repair now and the replacement later.
Can one application finance a sewer line replacement and the yard restoration?
Yes, if it’s all in one contract and within the lender’s limits. Put the line, restoration, camera inspection and permit in one estimate, and the homeowner applies for that amount; each lender confirms it against your scope. If the camera finds more, send a revised estimate before work starts; the lender decides on the new amount.
What do I need to sign up?
Sign up online with your EIN and business details, your plumbing license and insurance certificate, the owner’s ID, a sample customer contract and your deposit account. Joining has no minimum, and each lender reviews your business on its own, with requirements such as time in business.
Who approves the financing and sends the funds?
Every participating lender makes its own credit decision and sets the terms, and on eligible programs the lender pays your company directly. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Can we keep the financing we already offer?
Yes. Keep the lender or program you use now, including financing built into your field software, for the jobs it fits. Your tech sends the Ottri application separately, by text or QR code, when a homeowner is declined or the job is bigger than that program covers. Some programs require their lender to see an application first, so check your terms.