Merchant Financing, Powered by OTTRI
Win More. Keep More.
One customer application.
A full stack of enterprise lenders to support you.
Full spectrum coverage with no annual platform fee.
One lender means one answer.
And declines are bad for business.
Most businesses offer financing through a single lender.
That lender has one credit box, and everyone outside it gets declined.
Better Financing replaces that single door with a waterfall. The same application moves down a stack of lenders until it finds the right fit, so the customer hears one answer that matters: what their payment is.
Say Goodbye to the Pain of Single Lender Financing. The Game Has Changed.
How it works
Three steps, and none of them are yours to manage.
01
Your customer applies once
A single soft-pull application, from your device or theirs. No hit to their credit to see options.
02
The waterfall does the work
That one application routes across a stack of lenders covering the full credit spectrum, instead of stopping at the first decline.
03
You close and get funded
Approved terms come back in real time. You pick the offer, close the job, and track everything in one dashboard.
Built for your industry
Home Improvement
Bigger tickets close when the homeowner hears a monthly payment instead of a project total.
11>1
HVAC
System replacements, new installs, and emergency repairs.
9>1
Roofing
Full replacements, storm damage, and insurance gap coverage.
9>1
Doors & Windows
Whole-home window packages and entry door upgrades.
10>1
Plumbing
Repipes, water heaters, sewer lines, and emergency work.
9>1
Remodeling (General Contracting)
Kitchens, baths, additions, and whole-home projects.
7>1
Decking & Outdoor Living
Decks, patios, pergolas, and outdoor kitchens.
Medical & Wellness
Treatment plans move forward when patients across every credit tier get a real option.
5>1
Dental
Implants, ortho, restorative, and full treatment plans.
5>1
Med Spa
Injectables, laser packages, and body contouring.
5>1
Regenerative Medicine
Stem cell, PRP, peptide, and longevity programs.
5>1
Optical / Vision
LASIK, premium lenses, and vision correction.
5>1
Veterinary
Surgery, emergency care, and long-term treatment plans.
5>1
Cosmetic / Plastic Surgery
Elective surgical procedures and post-op care.
What you actually get
Coverage figures describe the lender stack available through the platform, not a guarantee of approval. Every application is subject to lender underwriting.
475–850
FICO range covered by the lender stack, from prime to lease-to-own.
$0
Annual platform fee. No access fee, ever.
1
Application and one dashboard for every lender in the waterfall.
- True 0% APR promotional options — not deferred interest.
- Soft-pull pre-qualification that doesn't affect your customer's credit to view options.
- One dashboard for applications, lenders, locations and users.