Multi-lender pool and spa financing for contractors.
Keep the pool buyer with you, not on a lender’s website. Ottri sends one branded application to participating lenders in turn, at no cost to your business.
Send it at the design meeting or from the spa showroom.
One application for the pool, decking, fence and cover.
The lender pays your business on eligible programs.
Your name on the application; never sold as leads.
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 financing platform for pool builders and spa dealers: one branded application for the pool and the rest of the backyard, which participating lenders consider in turn. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Ottri costs your business nothing. Promotions are your call.
What pool builders typically give up to offer promotional financing, next to what Ottri charges.
−$960
A 12-month spa promo
On a $12,000 hot tub, a 2019 national lender schedule charged 7.99% for 12 months same-as-cash, about $960 of the sale.
$1,500+
A yearly platform fee
Some financing platforms charge $1,500 to $6,000 a year, whether or not a pool gets financed.
$0
Ottri never charges you
No sign-up fee, no subscription and no percentage of the job. On eligible programs the lender pays your business, not the homeowner. Some lender programs, such as promotional plans, can carry a lender fee; offering them is up to you.
No setup fee · No subscription · No demo · No minimums
Promo costs: a national lender’s 2019 rate sheet (12 months same-as-cash at 7.99%). Platform fees: published plan prices, July 2026.
Everything a pool builder needs to sell with financing.
Builds and inspections
Pool builds run for weeks, pass several inspections and end at plaster and start-up. Keep every application, offer and funding step in one place.
Run financing from one dashboard
Every build’s application, offer and funding step in one place, from the design meeting to start-up.
Track every application
See which buyers applied after the design meeting and which are still weighing fiberglass, vinyl or gunite.
Track funded volume
Track funded pools, remodels and spas by salesperson and month.
Manage supported promotions
Set up the promotions your lender programs support and compare monthly payments before the design meeting.
Design meetings and showrooms
Designers send it at the kitchen table, spa staff from the showroom floor. Owners see which people and locations turn designs into financed builds.
Work from the field
Share a link or QR code at the design meeting, in the spa showroom or at a home show.
Measure tools and rep adoption
Compare application starts and completions by designer, showroom and home show.
Measure every entry point
See whether applications start from proposal QR codes, showroom links or your website.
Keep the experience branded
Your logo and colors on every screen, so buyers see your company, not a pool lender.
Pool buyers apply on their phone, under your name, before the first shovel.
One application, multiple programs
One application for the full build, considered by participating lenders one at a time.
Direct-to-business funding
On eligible programs the lender pays your business for the build.
Links, QR codes, and messages
A QR code in the showroom, a link with the proposal or a text after the home show.
Homeowner-friendly experience
Each offer’s terms on the buyer’s own phone, with time to compare before they sign.
Your business stays front and center
Your company’s name on the application, not a pool lender’s.
Available promotions
Offer a lender’s promotional plan where one exists, knowing its cost to your business before you quote it.
See which pool builds need action and which tools start applications.
See what needs action
Spot builds waiting on a document, a signature or the homeowner’s sign-off after start-up.
Keep follow-up in one place
Open the application, check what the lender is waiting for and protect the dig date.
Keep pool builds moving
Show the office which builds are approved before the crew is scheduled.
See what starts applications
Compare starts from proposal QR codes, showroom links, home-show texts and your website.
Compare sales staff
See which designers and showroom staff get applications started and finished.
Improve distribution
Put the link on the proposal, at the showroom counter and on your website.
One lender’s no shouldn’t shrink the pool. A network of 20 helps. All in one place.
With
A disconnected process
The buyer is sent to a pool lender’s website.
A decline on the amount ends the design.
A fee on every promotional build.
The fence and cover sold later, separately.
Funding status chased by phone.
With Ottri
The buyer applies under your brand.
The same application goes to the next eligible lender.
No Ottri fee to price into the pool.
One application for the whole backyard scope.
Each build’s funding step in one dashboard.
What pool builders ask before they offer financing.
Updated
Laura Chen
Example: $105,000 pool, $60,000 financed
Prime installment loan
Lender 1
Installment loan, 120 months
Lender 2
Installment loan, 144 months
Lender 3
Offer received
Installment loan, 144 months, for $60,000 of the build
The buyer covers the rest from savings or home equity.
What happens when a pool costs more than one lender will lend?
A large build can outrun one lender’s limit before it outruns the buyer’s budget. Unsecured programs mostly top out near $100,000, so a no on the amount says little about the buyer’s credit. Ottri moves the same application to the next eligible lender; past those limits, buyers usually add savings or a home-equity line, so price the split up front.
- New in-ground pools average about $62,500 to $66,000; big builds run past $100,000.
- Home-equity lines carry a 3-business-day right to cancel, so the dig waits.
- Home equity funded 13% of spending on outside property in 2023.
- Each lender confirms the amount against your contract.
Sources: This Old House, in-ground pool cost; Harvard Joint Center for Housing Studies, Improving America’s Housing 2025; 12 CFR 1026.23 (Regulation Z rescission); unsecured caps from published lender terms, e.g. LightStream home improvement loans.
David Ortiz
Example: fiberglass pool, 14×28
Contract signed, permits pulled
You and the homeowner
Excavation and shell set
Your crew
Deck, equipment and barrier
Your crew
Final inspection, completion confirmed
Inspector and homeowner
Paid to your business
Lender, on eligible programs
Next step
The final inspection passes and the homeowner confirms
When does a pool builder get paid on a financed build?
Usually in one payment. Most programs on the Ottri network pay once, after the homeowner confirms the job is complete; staged draws aren’t generally available for pools. That suits remodels, resurfacing, equipment, fences and spas, and new builds you can carry to completion. If a build needs draws, settle that before you dig.
- California and Nevada cap the down payment at $1,000 or 10%, whichever is less.
- Arizona allows 15% down, then up to 25% at each of three stages, with the balance before the interior finish.
- In California, no payment can run ahead of the work, lender advances included.
- The dashboard shows each job’s next funding step.
Sources: California Business and Professions Code §7159.5; Nevada Revised Statutes chapter 624 (residential pools and spas); Arizona Revised Statutes §32-1158.01.
Installed pool cost, 2025–2026
HomeGuide (2025–2026); This Old House (2026)
| Pool or job | Typical cost | Programs that often fit |
|---|---|---|
| Above-ground pool | $1,600–$7,500 | CashInstallment |
| Vinyl in-ground | $35,000–$80,000 | Installment |
| Fiberglass in-ground | $45,000–$100,000 | InstallmentHome equity |
| Gunite in-ground | $50,000–$120,000 | InstallmentHome equity |
| Resurfacing | $6,000–$15,000 | CashInstallment |
| Hot tub (unit) | $3,000–$10,000 | CashInstallment |
What does an in-ground pool cost in 2026?
About $62,500 on average, with most builds between $25,000 and $100,000. Vinyl runs about $35,000 to $80,000, fiberglass $45,000 to $100,000 and gunite $50,000 to $120,000, before decking, fencing and a cover. Pages quoting a $44,688 average are using a 2024 figure. Date every quote.
- Realtors estimate a pool recovers about 56% of its cost at sale; sell the use, not the resale.
- New in-ground pools fell from about 117,000 in 2021 to under 60,000 in 2025.
- Steel mill product prices rose 27.6% in a year.
Sources: This Old House, in-ground pool cost; This Old House, hot tub cost; NAR, 2023 Remodeling Impact: Outdoor Features. Pool Corporation 2025 annual report; HomeGuide pool cost guides (2025–2026); Bureau of Labor Statistics Producer Price Index, September 2026.
Showroom and home-show rules differ
Can we finance remodels, barriers and hot tubs, not just new pools?
Yes, when they’re on your estimate and fit an available program. Resurfacing runs about $6,000 to $15,000, and many states require barrier features before a pool passes final inspection, so put the fence or alarms in the financed scope. In a spa showroom, send the application by link or QR code from the floor.
- California requires 2 of 7 drowning-prevention features; Florida, 1 of 5.
- A showroom sale isn’t covered by the FTC 3-day rule; a home-show sale of $130 or more is.
- Never advertise “no credit check”; every lender reviews credit.
Sources: California Health and Safety Code §115922; Florida Statutes §515.27; International Swimming Pool and Spa Code §305, as adopted locally; 16 CFR 429.0.
Pool and spa financing questions, answered.
How can pool builders and spa dealers offer customer financing?
Offer one branded application at the design meeting or the spa showroom, once the plan and price are set. With Ottri, participating lenders consider it in turn and, on eligible programs, the lender pays your business, while the buyer stays with you instead of a lender’s website. Ottri charges you nothing, and any fee a lender charges the buyer shows in the offer’s terms before they accept.
Do lenders pay pool builders in stages or at the end?
On the Ottri network, usually once: most programs pay after the job is complete, not in construction draws. Some dedicated pool lenders pay builders in stages, and others pay the homeowner a lump sum. In California and Nevada no payment may run ahead of the work, lender advances included, so match the program to your schedule before you dig.
In California, can we start digging before the financing is final?
Usually not. If you offer or refer the financing, Business and Professions Code §7163 lets you pull permits but not start work until the lender approves and the buyer accepts the terms, and loans secured by the home add a rescission period. Section 7165 sets a pool-only procedure for an earlier start when its conditions are met.
How much deposit can a pool builder take?
California and Nevada allow $1,000 or 10% of the contract, whichever is less. Arizona allows 15% down, then up to 25% at each of three construction stages, with the balance due before the interior finish. In Florida, a deposit over 10% triggers permit and start deadlines. The “$200 or 2%” California limit some pages repeat isn’t in the current statute.
What if the pool costs more than an unsecured loan covers?
Plan the split early. Most unsecured programs stop at or below about $100,000, so buyers often add savings or a home-equity line for the rest. A home-equity line can take weeks to close and adds a 3-business-day right to cancel, so start it before the design is final and keep the installment request within its limit.
What happens if the first lender declines or approves less than the build?
The same application goes to the next eligible lender, which makes its own decision; it works as a second look without new paperwork. If an approval comes in under the build, the buyer can add savings or a home-equity line for the rest, or you can phase the backyard work.
Can we keep our pool lender and add Ottri?
Yes. Keep the pool lender you use for big new builds, and send the Ottri application for the jobs it doesn’t fit: remodels, resurfacing, equipment, barriers, spas and buyers it declines. The buyer stays under your brand either way.
What do I need to sign up?
Sign up online and add your EIN and business details, your contractor license, proof of insurance, a sample pool contract, the owner’s ID and the bank account for deposits. There’s no minimum to join Ottri. Each lender reviews your business separately and sets its own requirements, such as the states you work in and time in business.
Who approves the financing and sends the funds?
Each participating lender reviews the application, makes its own decision and sets the terms; on eligible programs it pays your business directly. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Our spa showroom already has a bank program. Can we add Ottri?
Yes, where a program covers spas. Keep the bank program and send the Ottri application by link or QR code when a customer is declined. A showroom sale generally isn’t covered by the FTC 3-day rule, but a sale of $130 or more at a home show or fair is. Never advertise “no credit check.”