Multi-lender siding financing for contractors.
Whether it’s a storm claim or a full re-side, the homeowner’s share shouldn’t stall on one lender’s no. Ottri routes one branded application through participating lenders and charges your business nothing.
Send it at the kitchen table or with the insurance scope.
One application for siding, trim, gutters and wrap.
Keep your current lender; add Ottri for the rest.
Paid to your company on eligible programs; never sold as leads.
No setup fee · No subscription · No demo · No minimums
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 siding contractors and exterior remodelers: one branded application for retail re-sides and the homeowner’s share of storm jobs, which participating lenders consider in turn. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Siding promotions usually cost the contractor. Ottri costs you nothing.
What siding contractors typically give up to offer promotional financing, next to what Ottri charges.
−$1,440
A 12-month promo
On an $18,000 siding job, a 2019 national lender schedule charged 7.99% for 12 months same-as-cash, about $1,440, and 13% for 24 months, about $2,340.
$1,500+
A yearly platform fee
Platform subscriptions run $1,500 to $6,000 a year, whether or not a siding job gets financed.
$0
Ottri never charges you
Nothing to sign up, no monthly plan and no cut of the re-side. On eligible programs the money goes to your company, not the homeowner. If a lender program carries a fee, such as on a promotion, you decide whether to offer it.
No setup fee · No subscription · No demo · No minimums
Promo costs: a national lender’s 2019 rate sheet (12 months same-as-cash at 7.99%, 24 months at 13%). Platform fees: published plan prices, July 2026.
Everything a siding contractor needs to sell with financing.
Re-sides and storm jobs
Siding jobs come from kitchen tables and storm claims, and both wait on materials and crews. Keep every application, offer and funding step in one place.
Run financing from one dashboard
Every siding job’s application, offer and funding step in one place, for retail and insurance work alike.
Track every application
See which homeowners applied at the appointment and which are still deciding after the adjuster’s visit.
Track funded volume
Track funded siding jobs by rep, office and month.
Manage supported promotions
Set up the plans your lender programs allow and see each one’s monthly payment before the appointment.
In-home sales
Reps send it at the kitchen table or after the exterior inspection. Owners compare reps and offices on financed jobs, not just appointments.
Work from the field
Share a link or QR code at the appointment, or text it with the estimate after the inspection.
Measure tools and rep adoption
Compare application starts and completions by rep and office.
Measure every entry point
See whether applications start from estimate QR codes, follow-up texts or your website.
Keep the experience branded
Your logo and colors on the application, so the homeowner sees your company, not a lender.
Homeowners apply on their own phone, under your name, after the estimate.
One application, multiple programs
One application for the full exterior scope, considered by participating lenders one at a time.
Direct-to-business funding
Funds go to your business on eligible programs, not to the homeowner.
Links, QR codes, and messages
A QR code on the estimate, a link by text or an email after the adjuster’s visit.
Homeowner-friendly experience
Each offer’s terms on the homeowner’s phone, with no pressure to sign that night.
Your business stays front and center
Your company’s name on the application, from the estimate to the funding notice.
Available promotions
Offer a lender’s promotional plan where one exists, knowing its cost before you quote it.
See which siding jobs are stuck and what starts applications.
See what needs action
Find jobs held up by a missing document, an unsigned offer or the homeowner’s final sign-off.
Keep follow-up in one place
Open the application and see what the lender needs before the crew is booked.
Keep siding jobs moving
Let the office see which offers are accepted and which still need a lender’s answer.
See what starts applications
Compare starts from estimate QR codes, follow-up texts, website buttons and emails.
Compare offices
See which offices and reps get applications started and funded.
Improve distribution
Put the link on the estimate, in the inspection follow-up text and on your website.
One lender’s no shouldn’t leave a wall half done. A network of 20 helps. All in one place.
With
A disconnected process
The homeowner can’t cover their share and the job stalls.
A decline ends the re-side at one elevation.
A promo fee on every financed re-side.
Upgrades sold with no way to pay for them.
Insurance and retail jobs tracked in different places.
With Ottri
The homeowner can finance their share where a program allows.
Another eligible lender reviews the same application.
No Ottri fee on any siding job.
One application for siding, trim and gutters.
Every job’s funding step in one dashboard.
What siding contractors ask before they offer financing.
Updated
Kevin Shaw
Example: $9,000 homeowner share after hail
Prime installment loan
Lender 1
Promotional same-as-cash plan
Lender 2
Installment loan, 84 months
Lender 3
Offer received
Installment loan, 84 months, for the homeowner’s share
The insurer’s payment and the loan together cover the job.
Can a homeowner finance their share of a storm claim?
Yes, where a program allows. The deductible is the homeowner’s to pay, and you can’t waive or cover it, but paying it over time to a lender isn’t a waiver. The share often grows with upgrades, unmatched walls or depreciation held back until the work is done, so one branded application can cover it.
- Wind and hail are the most frequent home claims, averaging $14,747.
- Insurance paid 18% of spending on exterior replacements in 2023.
- New York bars siding contractors from paying or rebating a deductible, even as a discount.
- Texas accepts financing that pays the full deductible over time as proof it was paid.
Sources: Insurance Information Institute, homeowners claims data; Harvard JCHS, Improving America’s Housing 2025; New York General Business Law §771-b; Texas Insurance Code §707.004. Matching rules: Iowa Administrative Code 191—15.44; 806 KAR 12:095 (Kentucky); Ohio Administrative Code 3901-1-54; Florida Statutes §626.9744.
Installed siding cost, 2025–2026
Fixr (2026); This Old House (2026); Cost vs Value (2025)
| Siding or job | Typical cost | Programs that often fit |
|---|---|---|
| Vinyl, whole house | About $12,000 | CashInstallment |
| Insulated vinyl | $14,000–$24,000 | Installment |
| Fiber cement, whole house | About $15,000 | Installment |
| Fiber cement, premium job | $21,485 | Installment |
| Cedar | About $23,400 | Installment |
| Stone veneer accent | $11,702 | CashInstallment |
What does new siding cost in 2026?
Cost-guide averages for a whole house run $12,000 to $19,000: vinyl around $12,000, fiber cement around $15,000, more for premium products or larger homes. A premium fiber cement job cost $21,485 at contractor rates in 2025. The $8,346 national average includes partial and DIY jobs, so quote the real scope.
- Fiber cement recouped about 113.7% at resale in 2025 and vinyl 96.5%; values change yearly.
- Producer prices at fiber cement and vinyl product makers rose 9.6% and 4.9% in a year.
- Pages still promising a federal siding credit for 2026 are out of date.
Sources: Harvard Joint Center for Housing Studies, Improving America’s Housing 2025; Fixr, siding replacement cost; Fixr, vinyl siding cost; Fixr, fiber cement siding cost. This Old House, siding replacement cost; Zonda, Cost vs Value 2025; Bureau of Labor Statistics Producer Price Index, September 2026.
Cancel rights apply at the kitchen table
Does the 3-day right to cancel apply to a siding sale at the kitchen table?
Yes. The FTC’s Cooling-Off Rule covers in-home sales of $25 or more, even booked appointments, and the rep must explain it out loud. Several states add more, such as 5 business days for Californians 65 and up. Quote the same price whether the homeowner pays cash or finances, and order materials after the window closes.
- Illinois gives buyers 65 and up 15 business days when the seller came uninvited.
- No “tonight only” price that disappears if the homeowner cancels.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
Sources: 16 CFR 429.1 (FTC Cooling-Off Rule); California Civil Code §1689.6; Illinois Home Repair and Remodeling Act; IRS, Instructions for Form 5695.
Patricia Gomez
Example: re-side a 1962 ranch
Old siding removed under lead-safe containment
Your crew
Rotted sheathing found, change order signed
Homeowner
New siding and trim installed
Your crew
Completion confirmed
Homeowner
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the job is complete
What changes when we re-side a pre-1978 home?
Lead-safe rules apply when you disturb more than 20 square feet of painted exterior, with containment and a visual inspection at the end. Old cement siding may contain asbestos, so test before tear-off. And rot under the old siding is common: write a change order before the extra work and update the amount with the lender.
- EPA lead-rule penalties run up to $49,772 per violation.
- The federal asbestos rule generally exempts single-family homes; OSHA crew rules still apply.
- Put testing, disposal and sheathing allowances on the estimate.
- The dashboard shows each job’s next funding step.
Sources: 40 CFR 745.85 (EPA lead-safe work practices); 29 CFR 1926.1101 (OSHA asbestos standard); 40 CFR 61.141 (asbestos NESHAP definitions).
Siding financing questions, answered.
How do siding contractors offer financing to customers?
At the kitchen table or alongside an insurance claim, once the price is set, including upgrades such as vinyl to fiber cement. With Ottri, the rep texts or shows one application with your company’s name on it; participating lenders take it one at a time, and on eligible programs the lender deposits the money with you. Ottri adds no fee. Owners spent $9.4 billion on siding in 2023.
Can a homeowner finance their share of a storm claim, including the deductible?
Yes, where a program allows. The deductible belongs to the homeowner, and many states bar contractors from paying, waiving or advertising to cover it, but paying it over time to a lender isn’t a waiver. Texas lists a financing agreement as proof the deductible was paid. Never imply the insurer pays it.
Does the insurer have to replace siding on undamaged walls?
Only where state rules or the policy require it. Iowa uses a line-of-sight standard, Kentucky and Ohio require a uniform or comparable appearance, and Florida sets its own matching rule; Minnesota has no matching statute. The policy and the insurer decide, so never promise a full re-side.
Is there a tax credit for new or insulated siding in 2026?
No. The federal energy credit ended for installations after December 31, 2025, and siding counted only as insulation before then. Some state and utility programs exist, so check locally, and don’t make energy-savings claims without evidence.
Can siding, roofing and windows go on one application?
Yes, when they’re one contracted job priced together and within each program’s limits. Many storm jobs pair siding with a new roof; put both in one estimate, and each lender confirms the amount against your scope.
Is fiber cement worth it at resale?
Cost vs Value 2025 estimated fiber cement siding recouped about 113.7% of its cost at resale and vinyl 96.5%, but the figures change by year and region, and they’re estimates, not returns. Sell durability and looks, and let the homeowner choose.
What happens if the first lender declines a re-side?
It moves to the next eligible lender with the same information, so the homeowner doesn’t fill anything out twice, and they see whether a step is a soft or hard credit check before continuing. Each lender makes its own call. If the full amount isn’t approved, phase the gutters or trim, or let the homeowner cover part another way.
What do I need to sign up?
Create the account online, then upload your company information and EIN, contractor license, insurance certificate, a sample siding contract, the owner’s ID and your deposit account. Ottri has no volume minimum. Lenders review your company one by one, each with its own requirements, such as how long you’ve been in business.
Who approves the financing and sends the funds?
Each participating lender reviews the application, decides and sets the terms. On eligible programs it pays your company directly, usually after the homeowner confirms the job is complete; some programs pay at signing. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
What if we find rot or asbestos siding during tear-off?
Stop and write a change order before the extra work, then update the financed amount with the lender. Older cement siding may contain asbestos: test it and follow OSHA wet-removal practices. In pre-1978 homes, disturbing more than 20 square feet of paint also triggers the lead-safe rules.