Multi-lender roofing financing for contractors.
Ottri gives roofing companies one branded financing application. Participating lenders consider it in sequence, each makes its own decision, and on eligible programs the lender pays you directly. Ottri charges you nothing.
One application, reviewed by participating lenders in turn.
Repairs, re-roofs, and homeowners’ share on insurance jobs.
Your brand throughout. Applications never sold as leads.
Funds paid to your business on eligible programs.
No setup fee · No subscription · No demo required
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 roofing companies: one branded application that moves between participating lenders, so your team doesn’t have to.
Offer financing without paying a cut of every roof.
Roofing companies usually pay for customer financing in one of two ways. Ottri charges neither.
A fee on every financed job
Many lenders charge the contractor a percentage of each loan, often called a dealer fee. It usually rises with 0% promotions.
A subscription
Some financing platforms charge a monthly or yearly fee, whether or not a job funds.
$0
To your business with Ottri
No setup fee, no subscription and no demo required. Where a lender program carries its own cost, such as a promotional rate buydown, it depends on the program you choose.
No setup fee · No subscription · No demo required
Everything a roofing company needs to sell with financing.
Contractor operations
Stop losing bids to a five-figure lump sum. Present monthly payments at the estimate, track every application, and see funded volume in one dashboard.
Run financing from one dashboard
Manage applications, available offers, follow-up, funding status, and production in one place.
Track every application
See whether the homeowner has started, received options, or needs to complete another financing step.
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.
Roofing sales and performance
Reps send the application from the roof by link or QR code. Managers see which reps and entry points turn estimates into funded jobs.
Work from the field
Share an application link or QR code during the roof estimate, 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 estimate.
One application, multiple programs
Homeowners start one branded application while reviewing the roofing estimate or after your rep's visit.
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 roof estimate, or share a QR code on site.
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.
See what needs action
Find applications waiting on documents, a homeowner signature or a completion certificate.
Work storm season in order
After a hail event, every application from every rep lands in one pipeline, sorted by next step.
Keep jobs moving
Give reps a clear next step on every roof without asking homeowners to chase the lender.
See what drives starts
Compare applications started from estimate links, QR codes on site, your website button and texts.
Measure each rep and crew
See which reps and locations turn inspections into funded roofs.
Fix what isn't working
Spot entry points that get clicks but not completed applications, and coach the team.
One lender is a dead end. Twenty is more ways to get the roof done. All in one place.
With
A disconnected process
One lender's decline ends the re-roof.
A separate portal for every lender.
Change orders handled outside the financing.
The office chases reps for status.
Handoffs to lender-branded pages.
With Ottri
A decline can continue to the next eligible lender.
Every application, offer and funding status in one place.
Amount changes made in the same application.
The office sees the next step on every roof.
Your brand from estimate to funding.
What roofing companies ask before they offer financing.
Updated
Insurance roof
Example$27,000
- Insurer’s first check$13,200
- Depreciation, paid later$6,000
- Deductible$4,800
- Upgrade$3,000
- Homeowner’s share$7,800
Amount to finance
$7,800
Where a participating program allows
Can homeowners finance their share of an insurance roof?
Often, yes. Insurance usually covers part of a storm-damaged roof and leaves the rest to the homeowner: the deductible, depreciation held back on older roofs, and any upgrade. Where a participating program allows it, the homeowner can apply to pay that share over time through your branded application.
- Texas, and Florida for its separate roof deductible, accept financing of the full deductible as proof it was paid.
- Never waive, absorb or rebate a deductible. It’s illegal in Texas, Florida and several other states.
- The policy and the insurer decide what’s covered. Ottri doesn’t handle claims.
Example: a $24,000 claim on a $240,000 home with a 2% wind and hail deductible, plus a $3,000 upgrade. Sources: Tex. Ins. Code §707.004; Fla. Stat. §627.7011(3)(a). Tex. Bus. & Com. Code §27.02; Fla. Stat. §817.234; C.R.S. §6-22-105; Minn. Stat. §325E.66; RSMo §407.725; 59 O.S. §1151.30. Texas Department of Insurance, Can a contractor waive my deductible? (December 2025). Insurance Information Institute, Background on hurricane and windstorm deductibles.
Typical installed cost, 2026
HomeAdvisor (June 2026); Zonda Cost vs. Value 2025
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Leak or flashing repair | $360–$1,550 | Cash |
| Roof repair | About $1,174 | Installment |
| Asphalt shingle roof | $5,903–$13,377 | Installment |
| Architectural tear-off | About $31,900 | InstallmentHome equity |
| Metal roof | About $51,900 | InstallmentHome equity |
| Tile or slate | $10–$30 per sq ft | Home equity |
| Flat roof (TPO, EPDM) | $3,331–$11,558 | Installment |
What does a roof cost, and how much do homeowners finance?
Roofing is the largest home-improvement category in the U.S.: homeowners spent $93.5 billion on it in 2021–2023, and the median project cost $10,000. Big jobs are where borrowing shows up. Projects paid with contractor-arranged financing averaged $10,600, against $5,000 for projects paid from savings.
- Programs across the Ottri network cover $1,000 to $750,000.
- Asphalt roofing prices are up 47.7% since January 2020.
- Each lender confirms the amount on your estimate.
Sources: U.S. Census Bureau and HUD, 2023 American Housing Survey: Home Improvements (2024). Harvard Joint Center for Housing Studies, Improving America’s Housing 2025 (March 2025). U.S. Bureau of Labor Statistics, Producer Price Index WPU1361 (September 2026). HomeAdvisor roof replacement, repair and flat-roof cost guides (June 2026); Zonda, Remodeling Cost vs. Value 2025.
Your brand, on the homeowner’s phone
When should a roofer bring up financing?
Early, and with every homeowner. Mention it on the appointment confirmation, at the inspection and with the estimate, so monthly options sit next to the price. Your rep sends the branded application by link, QR code or text, and the homeowner applies on their phone.
- Offer the same application to everyone. Lending rules don’t allow steering by age, neighborhood or income source.
- Keep one price for cash and financed customers.
- In ads, say financing is available. Quoting a payment, rate or term triggers required disclosures.
Sources: 12 CFR Part 1002 (Regulation B). 12 CFR 1026.24 and Comment 4(b)(9)-1 (Regulation Z).
Maya Thompson
Roof replacement
Offer accepted
Homeowner
Lender documents signed
Homeowner
Work complete
Confirmed by the homeowner
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the work is complete
When does a roofing company get paid on a financed job?
When the program’s conditions are met. Programs commonly require that the homeowner accepts an offer, signs the lender’s documents and confirms the work is complete. On eligible programs the lender then pays your business directly, so you’re not chasing the homeowner for payment.
- Change orders update the amount in the same application.
- Few lenders fund before work starts, so plan materials around funding.
- In-home sales carry a federal three-business-day right to cancel.
Sources: 16 CFR Part 429 (FTC Cooling-Off Rule). 12 CFR 1026.23 (Regulation Z right of rescission).
Roofing financing questions, answered.
How do roofing contractors offer financing to customers?
Roofing contractors offer financing by giving homeowners a way to apply with a lender at the estimate, then pay for the roof over time. With Ottri, your company sends one branded application by link, QR code or text, and participating lenders consider it in sequence. On eligible programs the lender pays your business directly. Ottri charges your business nothing, and each lender makes its own credit decision.
Does Ottri charge dealer fees, and what does financing cost my business?
Ottri charges your business nothing: no setup fee, no subscription and no demo required. Some lender programs carry their own costs, such as a promotional rate buydown, and those depend on the program you choose. Many single-lender programs charge contractors a percentage of each financed job, and some marketplaces charge a yearly subscription.
Does each lender in the sequence pull the homeowner's credit?
Whether a step uses a soft or hard inquiry depends on the lender, the product and the step, and the homeowner sees which before continuing. Each lender makes its own decision, and the application moves to the next eligible lender only when the one before it declines.
Can a homeowner finance their insurance deductible?
Where a participating program allows it, a homeowner can apply to pay their own share of an insurance job, including the deductible, over time. Texas law, and Florida law for its separate roof deductible, treat a financing arrangement that requires full payment of the deductible over time as proof it was paid. A contractor may never waive, absorb or rebate the deductible; at least 23 states have laws against it.
When does my company get paid on a financed roof?
The participating lender pays your business directly on eligible programs once the program's conditions are met. That is typically after the homeowner accepts the offer, signs the lender's documents and confirms the work is complete. Some lenders also ask for photos or a verification call. Your office sees each application's next step in Ottri.
Can a newer roofing company offer financing through Ottri?
Create your account and complete onboarding. Each lender reviews your business against its own requirements, and you can start sending applications as soon as your programs are active.
Why not just send customers to their bank or a HELOC?
Some homeowners will, and their bank may offer a good rate. But a bank loan or HELOC is a separate application outside your sale. Offering financing at the estimate keeps the decision in the conversation, and the homeowner can still compare. Your price should be the same either way.
What do I need to sign up?
Create your business account, then complete onboarding. Onboarding asks for your business details and EIN, your contractor license and insurance documents, a sample customer contract, owner identity verification and a business bank account for payouts. Each lender then reviews your business against its own requirements, and you can send applications once your programs are active.
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.
What happens if no lender approves the homeowner?
The application continues to each eligible participating lender in turn, so one decline doesn’t end it. If none approves, you see that in your dashboard and can talk through other ways to pay with the homeowner, such as a smaller scope or their own bank. Applications are never sold as leads, whatever the outcome.