# Roofing Financing for Contractors > Roofing 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/roofing-financing — this Markdown document is generated from the same source at build time. ## Multi-lender roofing financing for contractors. Close more roofs. Ottri is the complete roofing financing platform: one branded application, 20 participating lenders, reps closing from the job 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 roofing reps, teams, and locations. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## 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. ### 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 roofing sales entry points generate applications, then focus your team's follow-up where it 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 roof 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 roofing contractors offer financing to customers? Roofing customer financing lets a homeowner apply to pay for eligible roof work over time through a participating lender. With Ottri, your roofing business presents one branded application and manages financing follow-up in one workspace. Your team stays focused on the estimate and installation; 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 roofing 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 finance roof repairs as well as replacements? Eligible programs may consider roof repairs, replacement, and related installation work. Start with the actual estimate, including the materials and labor your company will provide. A repair and a full replacement 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. ### How does the office follow up after the roofing rep leaves? Authorized staff can open the homeowner's application, see its status, and identify required next steps in Ottri. Your office can follow up on an unfinished application or missing documents while the rep continues with estimates. Your business assigns the follow-up; the lender's approval and funding requirements still determine when financing is complete. That shared view is what lets a two-person office keep ten open estimates moving at once. ### 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. ### How much of a roofing project can a homeowner finance? The available amount depends on the homeowner, the participating lender, and the roofing project. Use the agreed estimate as the starting point and check what the selected program covers. The network-wide range is the ceiling; the lender confirms the amount for each roof, and a quote change is a quick update in the same application. Across the Ottri network, participating programs cover projects from $1,000 to $750,000, which spans a patched valley to a full tear-off. ### Why consider Ottri if we already offer roofing financing? Compare the programs available to your business and the work your team handles after an application starts. Ottri combines a branded application, sequential consideration by eligible lenders, and shared follow-up and funding visibility. That is useful to evaluate when reps and office staff currently work across separate portals. Bring your existing lender relationships into the onboarding conversation, and we will show you where Ottri adds programs alongside them. Most roofers add Ottri because a single lender's decline was ending sales that another program could have considered. ### 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.