# Restoration Financing for Contractors > Restoration 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/restoration-financing — this Markdown document is generated from the same source at build time. ## Multi-lender restoration financing for contractors. Start the rebuild now. Ottri is the complete restoration financing platform: one branded application, 20 participating lenders, project managers closing on site, 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 restoration crews, project managers, and offices. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a restoration company needs to sell with financing. ### Contractor operations Deductibles, uncovered scope, and upgrades stall rebuilds. Present monthly payments with the estimate, 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 as the assessment turns into an approved scope of work. - **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 management and performance Project managers send the application at the property by link or QR code. Managers see which people and entry points turn assessments into contracts. - **Work from the field** — Share a financing link or QR code at the property assessment, then manage 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, at the assessment. - **One application, multiple programs** — Homeowners start one branded application while reviewing the remediation and repair scope your team has explained. - **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 property assessment. - **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** — See which assessment links and QR codes generate restoration applications and where 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 home rebuilt. 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 restoration contractors offer financing to customers? Restoration customer financing lets a homeowner apply for credit toward eligible water, fire, storm, or mold remediation work through a participating lender. With Ottri, your business presents one branded application and manages financing follow-up in one workspace. Your team stays focused on the assessment and the work; the lender decides whether to extend credit. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the restoration 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. ### Which restoration projects can homeowners apply to finance? Eligible programs may consider defined remediation, repair, and rebuild work at a residential property. Describe the mitigation, demolition, drying, remediation, and reconstruction your business will perform in the estimate. Emergency mitigation and a full rebuild can have different financing needs; the project, requested amount, homeowner, and participating program determine 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. ### Is Ottri financing tied to the homeowner's insurance claim? No. A lender's financing decision is separate from any insurance claim, adjuster determination, or coverage limit. Homeowners may use financing for deductibles, uncovered scope, or upgrades the claim does not pay for, subject to the participating program. Keep the estimate clear about which work is being financed, and the claim and the financing each move on their own track. That gap between the adjuster's number and the real scope is exactly where 20 participating lenders earn their keep. ### 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. ### Can the request include both remediation and rebuild work? A combined scope may be considered when the participating program accepts the work and requested costs. Identify the mitigation, remediation, and reconstruction phases in the estimate and confirm which costs the program covers. If the scope changes as walls are opened or moisture readings change, review the revised estimate with the financing requirements before relying on an earlier offer. One application can carry both phases when the program accepts the scope, so the homeowner is not applying twice. ### How does the office follow up while a restoration job is under way? Authorized staff can open the homeowner's application, see its status, and identify required next steps in Ottri while crews continue on site. Your office can follow up on an unfinished application or missing documents without pulling the project manager off the job. Your business assigns the follow-up; the lender's approval and funding requirements still determine when financing is complete. That shared view is how a project manager stays on the job while the office keeps the money moving. ### 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.