# Pool and Spa Financing for Contractors > Pool and spa 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/pool-spa-financing — this Markdown document is generated from the same source at build time. ## Multi-lender pool and spa financing for contractors. Sell the pool, deck, and equipment. Ottri is the complete pool financing platform: one branded application, 20 participating lenders, designers closing in the backyard, 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 pool builders, spa dealers, and reps. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a pool builder needs to sell with financing. ### Contractor operations Pools are among the largest home projects a family will finance. Present monthly payments with the design, 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 stands in financing while your team follows up on the pool or spa 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. ### Project consultations and performance Designers send the application from the backyard or the showroom by link or QR code. Managers see which people and entry points turn designs into builds. - **Work from the field** — Share an application link or QR code at the property, in the showroom, or during a pool design consultation. - **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 design meeting. - **One application, multiple programs** — Homeowners start one application while reviewing the pool or spa proposal and the work included in the estimate. - **Direct-to-business funding** — Participating lenders fund your business under the selected program’s funding conditions. - **Links, QR codes, and messages** — Text or email the application after the pool consultation or spa showroom 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 financing starts from pool consultations, spa showroom links, and other supported customer entry points. - **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 pool built. 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 pool builders and spa dealers offer customer financing? Pool and spa customer financing lets homeowners apply for credit toward eligible residential projects through a participating lender. Ottri gives your business one branded application and a workspace for financing follow-up. Your team can introduce the option during planning, then see application progress as the homeowner considers the proposal. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the pool 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 new pools, pool renovations, and spa installations be considered? They may be considered when the specific work and costs fit an available participating program. Describe the project, equipment, installation, and related work in the estimate. A new pool, resurfacing project, and installed spa can have different requirements; the category alone does not establish financing 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. ### How should we handle financing for equipment and associated site work? Present a defined estimate that separates the pool or spa equipment, installation, and any associated work. Confirm which items and contractors the participating program accepts. This gives the homeowner a clear project price and gives your team a reliable basis for checking the requested financing scope. A single estimate with equipment and site work itemized is what lets one application carry the whole project. ### 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. ### Is the whole pool contract automatically eligible for financing? No. The lender determines eligible costs and the approved amount after reviewing the project and application. Identify any separately purchased equipment or contracted work, and explain the amount the customer is requesting. Once those items are confirmed, the homeowner has a clear number and the lender has a clean request. Across the Ottri network, participating programs cover projects from $1,000 to $750,000, so most residential pool projects are within range. ### What should a pool contractor compare when choosing a financing platform? Compare accepted project types, available programs, business costs, funding conditions, and the work your team must manage after an application starts. Ottri combines branded applications, participating lender connectivity, and financing follow-up in one workspace. Review the actual programs available to your business, especially if the project needs deposits or staged payments. With Ottri there is no setup or subscription fee, and 20 participating lenders sit behind one branded application. ### 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.