# Septic and Well Financing for Contractors > Septic and well 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/septic-well-financing — this Markdown document is generated from the same source at build time. ## Multi-lender septic and well financing for contractors. Replace the failed system. Ottri is the complete septic and well financing platform: one branded application, 20 participating lenders, techs closing at the property, 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 septic and well technicians, teams, and offices. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a septic and well contractor needs to sell with financing. ### Contractor operations A failed septic system or dry well is a five-figure emergency. Present monthly payments at the inspection, 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 the homeowner is in financing after the inspection findings and estimate have been discussed. - **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. ### Service visits and performance Technicians send the application at the property by link or QR code. Managers see which techs and entry points turn inspections into installs. - **Work from the field** — Share a financing link or QR code while reviewing the septic or well estimate at the property. - **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 inspection. - **One application, multiple programs** — Homeowners start one application while reviewing the system scope and installation estimate your technician 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 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** — See which technician links and QR codes generate 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 system in. 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 septic and well contractors offer customer financing? Septic and well customer financing lets a homeowner apply for credit toward an eligible system replacement, repair, or installation through a participating lender. With Ottri, your business presents one branded application and manages financing follow-up in one workspace. Your technicians stay focused on the system; 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 septic or well 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 system replacements, drain fields, and well pumps be considered? They may be considered when the defined project fits a participating program's requirements. Describe the tank, drain field, pump, pressure system, or well work and the associated excavation in the estimate. A pump replacement and a full septic system can have very different amounts; 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. ### Can financing be offered during an urgent septic or well failure? Your technician can introduce the application while explaining the required work, including a failed system. The lender still controls the decision and funding conditions, so an urgent repair does not guarantee an immediate offer or disbursement. Explain the repair plan separately and confirm the financing steps before promising work based on expected funds. That urgent moment is exactly when a second and third lender matter most. ### 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 permits, inspections, and site work be included in the request? Identify permit fees, soil evaluations, excavation, and restoration of the site in the estimate and confirm which costs the participating program accepts. Permitting and the health department review run on their own track, alongside the financing. If those reviews change the design, check the financing requirements before relying on an earlier offer. Itemizing permits and site work is how one application carries the whole replacement. ### How does the office continue after the technician leaves? Authorized staff can open the homeowner's application, review its status, and see required next steps in Ottri. That gives the office a specific follow-up task while the technician moves to the next property. 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 the technician move to the next property while the office closes the financing. ### 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.