Multi-lender water treatment financing for dealers.
Sell from real test results, not a kitchen demo. The homeowner applies once under your brand and reads each offer’s terms on their own phone; participating lenders review it in turn. Ottri costs you nothing.
Softeners, filtration, RO and UV.
After a decline, the next eligible lender can review it.
Eligible programs pay your dealership directly.
Your brand on the application; never sold as leads.
No setup fee · No subscription · No minimums to sign up
Banks and Lenders
20
Finance projects up to
$750K
Full credit coverage
300–850
One application. Eligible lenders, considered in sequence.
Ottri is a customer financing platform for water treatment dealers: one branded application for softeners, whole-house filtration, reverse osmosis and UV, which participating lenders consider in turn. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Water treatment promotions usually cost the dealer. Ottri costs you nothing.
A promotional plan’s dealer fee comes straight out of an in-home sale. What it typically costs, next to Ottri.
−$560
A 12-month promo
A 2019 rate sheet from a national lender priced a year of same-as-cash at 7.99% of the loan: about $560 on a $7,000 system. Two years cost 13%, about $910.
$1,500+
A yearly platform fee
Subscription platforms bill $1,500 to $6,000 a year, whatever the month brings.
$0
Ottri never charges you
Joining costs nothing, nothing is billed monthly, and Ottri takes no cut of the system. On eligible programs the lender pays your dealership. Lender promotions may carry a fee of their own; you decide whether to offer one.
No setup fee · No subscription · No minimums to sign up
Promo costs: a 2019 national lender dealer-fee schedule (7.99% for 12 months same-as-cash; 13% for 24). Platform fees: published plan prices, July 2026.
Everything a water treatment dealer needs to offer financing.
Dealership office
Jobs run from a single softener to a well-water train sized from the test, most installed in one visit. Every application and payment sits in one place.
Run financing from one dashboard
Each system’s offers, funding status and open items, from the water test to startup.
Track every application
Spot homeowners who started an application after the visit but didn’t finish.
Track funded volume
Track funded systems by rep and month.
Manage supported promotions
Decide which lender promotions to offer, with each one’s cost shown before it reaches a quote.
Reps in the home
Reps send it after going over the test results and price with the homeowner. Owners see which reps’ appointments turn into financed systems.
Work from the field
Leave a QR code with the quote, or text the link once the homeowner has the price.
Measure tools and rep adoption
Compare each rep’s application starts with the ones that finish.
Measure every entry point
Learn which applications start from a quote’s QR code, a texted link or your site.
Keep the experience branded
The application wears your logo and colors, so homeowners know who sent it.
With the test results and price in hand, the homeowner applies under your name.
One application, multiple programs
One application for the softener, filtration and RO; participating lenders review it one by one.
Direct-to-business funding
On eligible programs, approved funds are paid to your dealership.
Links, QR codes, and messages
A QR code on the quote, a texted link after the visit, or a link in your email.
Homeowner-friendly experience
Each offer’s terms show on the homeowner’s phone, with time to decide after you leave.
Your business stays front and center
Your dealership’s name is on the application from the visit to startup.
Available promotions
Check a lender promotion’s cost to your dealership before you offer it.
See which systems are waiting and which reps start applications.
Spot a stalled sale
Find systems waiting on a document, an unsigned offer or the homeowner’s startup sign-off.
Keep follow-up in one place
Settle what the lender still needs before the install date.
Keep crews scheduled
Let the office see which systems have financing in place before installers roll.
See what starts applications
Rank entry points, from quote QR codes to website buttons, by the applications they start.
Compare reps
See which reps’ appointments turn into applications.
Improve distribution
Add the link to every quote, follow-up text and your website.
One decline shouldn’t end the sale, with 20 lenders on Ottri’s network. All in one place.
With
A disconnected process
A promo’s dealer fee, found on the funding statement.
A teaser payment quoted as the real one.
Financing decided before the rep leaves the table.
One lender declines, and the rep leaves.
Approved, then waiting on what the lender still needs.
With Ottri
Each promotion’s cost shown before you offer it.
Every offer’s full terms on the homeowner’s phone.
A link the homeowner can finish after you leave.
The next eligible lender reviews the application.
Each system’s open items and funding status in one place.
What water treatment dealers ask before they offer financing.
Updated
Sold from the lab report
Should a water treatment sale start with a free in-home test?
Start with a real test of the water, not a demo. Florida’s attorney general warns that reagent demos can make any water, even spring water, look like it fails. A hardness test can size a softener, but for wells and health contaminants EPA points owners to certified labs, which charge about $100 to $300.
- New York requires a lab-based performance data sheet before the sale is final.
- Californians 65 and older get 5 business days to cancel; others get 3.
- Install after the cancellation window closes, not the same afternoon.
Sources: Florida Attorney General, water treatment device guidance; EPA, private drinking water wells (August 2026); New York General Business Law §350-i; 16 CFR 429 (FTC Cooling-Off Rule); California Civil Code §1689.6; HomeGuide, water filtration system cost (September 2025).
Sofia Bennett
Example: $7,000 softener, whole-house carbon and drinking-water RO
Prime installment loan
Lender 1
Promotional same-as-cash plan
Lender 2
Installment loan, 72 months
Lender 3
Offer received
72-month installment loan for the whole-house system
The homeowner reviews every term on their own phone.
Do the new PFAS rules require homeowners to install a filter?
No. EPA’s 2024 limits of 4.0 parts per trillion for PFOA and PFOS bind public water systems, which must comply by April 26, 2029, or by 2031 for systems that request it if a May 2026 proposal is finalized. They don’t cover private wells or require home treatment. Sell on the homeowner’s test results, not on a deadline.
- Current NSF/ANSI 53 and 58 tests take PFOA and PFOS to a combined 20 ppt, not 4 ppt each.
- A May 2026 proposal would drop limits for PFHxS, PFNA, GenX and the mixture index.
- Private wells aren’t federally regulated; EPA suggests testing them every year.
Sources: EPA, PFAS national primary drinking water regulation (May 2026); Federal Register, proposed PFOA and PFOS compliance extension (May 2026); Federal Register, proposed rescission of four PFAS limits, 91 FR 29413 (May 2026); Penn State Extension, home water treatment for PFAS (June 2024); EPA, protect your home’s water (February 2026).
Water treatment costs, sources 2025–2026
HomeGuide (2025)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Certified lab water test | $100–$300 | Cash |
| Under-sink reverse osmosis | $300–$1,700 | Cash |
| Whole-house sediment and carbon | $850–$1,400 | CashInstallment |
| Water softener, single tank | $1,200–$3,800 | Installment |
| Softener, filtration and UV | $2,650–$5,400 | Installment |
| Well-water filtration system | $800–$4,000 | CashInstallment |
| Whole-house reverse osmosis | $4,800–$8,000 | Installment |
What does a water softener or whole-house system cost in 2026?
Guides put a softener at about $1,200 to $3,800 installed and a softener with whole-house filtration and UV at $2,650 to $5,400, while whole-house reverse osmosis runs $4,800 to $8,000. In-home dealer packages run higher because they bundle premium equipment, drinking-water RO, warranties and service.
- Keep salt, filters and service plans out of the financed amount; bill them as you go.
- An under-sink filter or lab test is usually cash: programs start near $1,000, and minimums vary.
- A softener loop, drain and outlet can add $650 to $1,950 to the install.
- Premium dealer-brand softeners run $2,500 to $4,500, against $800 to $1,800 for store brands.
Sources: HomeGuide, water softener cost (July 2025); HomeGuide, water filtration system cost (September 2025); HomeGuide, reverse osmosis system cost (July 2025); This Old House, water softener cost (June 2026); Fixr, water softener installation cost (January 2025).
Lena Ortiz
Example: softener, whole-house carbon and drinking-water RO
Test reviewed, cancellation window over
You and the homeowner
Application approved
Lender
Installed and started up
Your technician
Post-install test, homeowner confirms
Homeowner
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the system is installed and working
What rules shape a softener install, and when does the dealer get paid?
Some places restrict salt-based softeners: California lets local agencies ban new units after a water board finding, Connecticut bars softener backwash into septic systems, and Texas requires demand-regenerating units on septic. Most programs pay after the homeowner confirms the install is complete, and some pay at signing.
- Beyond the down payment, California bars collecting ahead of the work, even from a lender.
- Texas requires a water treatment specialist license unless the installer is a plumber.
- In California, new softeners that regenerate on site must regenerate on demand.
- Each lender’s documents explain any security interest it takes in the equipment.
Sources: California Water Code §13148; California Health and Safety Code §116785 and §116835; Connecticut Department of Public Health, hard water and softeners (November 2023); Texas SB 1633 (2003), softeners on septic systems; TCEQ, water treatment specialist licensing; California Business and Professions Code §7159.5.
Water treatment financing questions, answered.
How can water treatment dealers offer customer financing?
Present it after the test results and the price, as one way to pay beside cash, with the same price either way. Your rep sends one branded application for the installed system; participating lenders review it in turn, and on eligible programs the lender pays your company. Ottri never bills your dealership.
Can one application cover a softener, iron filter, UV and drinking-water RO?
Yes, as one contracted system priced once and within each program’s limits. Itemize the equipment, loop, drain, outlet and permit so the lender sees the full install, and keep salt delivery, filter changes and service plans off the application; bill those as the homeowner uses them.
Does an NSF-certified filter get PFAS down to EPA’s limit?
Not necessarily. Current NSF/ANSI 53 and 58 tests confirm PFOA and PFOS reduction to a combined 20 parts per trillion, while EPA’s utility limit is 4.0 each. Quote the certificate for the exact model and contaminant, and name the body that certified it, since WQA and others certify to the same standards.
What claims can we make about contaminants and health?
Only what the model’s certificate supports, under NSF/ANSI 42, 44, 53, 55, 58 or 401. In California, a device must be on the State Water Board’s list before any health claim, and New York requires a performance data sheet before the sale. Leave skin, hydration and disease benefits out; the FTC expects scientific proof for claims like these.
We already have a water lender or a maker’s program. Why add Ottri?
Keep the program your dealership already uses. Ottri adds a second path under your own brand: when that program says no, or approves a smaller amount than the quote, the homeowner applies once and participating lenders review it in turn. Check whether your dealer agreement names which lender goes first. Joining creates no manufacturer partnership, and Ottri never bills you.
What happens when the first lender declines a water treatment system?
The application moves to the next eligible lender without the homeowner retyping it, and before each step the screen says whether the credit check is soft or hard. Standards differ by lender, so a later one may approve, sometimes for less than you asked; revise the proposal before you install. If none approves, a smaller system that treats what the test shows may fit the budget.
Does the 3-day right apply if the homeowner asked for the water test?
Yes. A sale of $25 or more at the home carries 3 business days to cancel even when the homeowner invited you, and Californians 65 and older get 5. Install after the window closes; in 2014 a California court ordered restitution from a dealer accused of installing more than 150 systems before buyers could cancel.
What do I need to sign up?
Create your account online, then add your EIN and company details, any water treatment or plumbing license your state requires, an insurance certificate, a sample sales contract, the owner’s ID and the account for deposits. There’s no minimum to join; Ottri reviews every dealership before it goes live, and each lender then decides on its own terms, such as time in business.
Who approves the financing and sends the funds?
The lender decides on the application, sets the terms and, on eligible programs, pays your dealership directly; most pay once the homeowner confirms the install is complete, and some pay at signing. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Can we promise a homeowner the system will pay for itself?
No. Florida’s attorney general sued a seller that promised monthly payments to offset the homeowner’s financing, and buyers said they didn’t arrive as promised. Show the full price, the lender’s terms on the homeowner’s phone, and the running costs of salt, filters and service, then let the homeowner decide.