# Plumbing Customer Financing for Contractors > Plumbing 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/plumbing-financing — this Markdown document is generated from the same source at build time. ## Multi-lender plumbing financing for contractors. Turn the repair into a replacement. Ottri is the complete plumbing 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 plumbers, office teams, and locations. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a plumbing company needs to sell with financing. ### Contractor operations A failed water heater or a repipe is a lump sum nobody planned for. Present monthly payments at the diagnosis, 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 where each homeowner is in financing after the plumbing diagnosis and estimate have been discussed. - **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. ### Service visits 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. - **Work from the field** — Share a link or QR code while reviewing the plumbing estimate, then check follow-up from your mobile dashboard. - **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, during the service call. - **One application, multiple programs** — Homeowners can start one branded application while reviewing the plumbing estimate with your technician. - **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 plumbing 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. ### 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** — Compare applications from technician links and service-visit QR codes to see where financing follow-up is needed. - **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 repipe done. 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 plumbing contractors offer financing to customers? Plumbing customer financing lets homeowners apply for credit for eligible plumbing work through a participating lender. Ottri gives your business a branded application to introduce with the diagnosis and estimate. Technicians and authorized office staff can see financing progress and follow up on the steps that remain. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the plumbing 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 customers apply for water heater, repiping, or sewer work? Those projects may be considered when their scope, amount, and installation requirements fit a participating program. The estimate should describe the work your business will perform and the associated costs. Small service calls, equipment replacement, and a larger residential repipe can have different eligibility requirements. 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 a technician offer financing during an urgent plumbing call? The technician can introduce the application while discussing the required work. The lender still controls the decision and funding conditions, so an urgent repair does not guarantee an immediate offer or disbursement. Explain the service plan separately and confirm the financing steps before promising work based on expected funds. That urgent moment is exactly when a second and third lender matter most. ### 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. ### What if the plumbing diagnosis changes the amount of work needed? Update the estimate and confirm how the revised scope affects the application or offer. Additional excavation, replacement, or installation work may change eligible costs and require lender review. Work discovered after the initial assessment gets a fresh look from the lender at the new amount, inside the same branded application. Because status lives in one dashboard, a bigger diagnosis is a quick update, not a restart. ### How does the office pick up the financing conversation? Authorized staff can open the homeowner's application, review its status, and see required next steps in Ottri. That gives the office a specific follow-up task after the technician leaves, such as contacting the customer about an unfinished step. Your business assigns responsibility while the technician returns to service work. That shared view is what lets the technician move to the next call without carrying the paperwork. ### 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.