How It Works

One application. Every lender. One dashboard.

Better Financing runs a multi-lender waterfall, powered by OTTRI. Instead of one lender deciding whether your customer gets financed, the application moves through a stack of lenders covering the full credit spectrum.

One application

Your customer applies once — mobile-first, typically under 3 minutes, sent by SMS, email, QR code, web embed, or completed in person. Pre-qualification uses a soft credit pull with no impact to their credit.

The waterfall finds the lender

That single application routes through the full lender stack until it lands with the lender best matched to that customer's profile. A decline from one lender is not the end of the conversation — it's the next step in the sequence.

You get paid, they get financed

The customer picks their offer, the job or treatment plan moves forward, and every application, merchant setting, and lender sits in one dashboard you actually manage.

Single-tier lenders decide once. A waterfall keeps going.

Single-lender platforms (PatientFi and similar)

One credit box. One answer.
A decline ends the sale.
Customers outside that box never get an offer.
Annual platform and access fees are common.

Better Financing

Multiple lenders in one routed sequence.
A decline routes to the next best-fit lender.
Coverage from subprime through prime.
No annual platform fee, no access fee, ever.

Transaction-level rates and fees vary by product and are disclosed at time of application.