Multi-lender bathroom remodeling financing for contractors.
When the first lender says no at the kitchen table, the visit doesn’t have to end. One branded application goes to participating lenders in turn, the homeowner decides on their own time, and Ottri charges you nothing.
Reps send it in the home by link, QR code or text.
Keep your dealer-network program. Add Ottri for the rest.
Paid to your business on eligible programs.
Your brand on every screen. Applications never sold.
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 bathroom remodelers: one branded application the homeowner fills out on their own phone, reviewed by participating lenders one after another. Ottri Global LLC is a licensed loan broker (NMLS 2776988), not a lender.
Most bath financing costs you something. Ottri costs nothing.
The usual costs of offering financing on bathroom jobs, next to Ottri’s.
−$1,200
The fee on a 12-month promo
Promotional plans like 12 months no interest usually cost the business a fee: about 8% of the amount financed on published schedules, or roughly $1,200 on a $15,000 bath. Long 0% plans can cost two to three times as much.
$2,000+
Yearly platform fees
Some financing platforms bill $2,000 to $6,000 a year, whether or not a single bathroom gets financed.
$0
Ottri never charges you
No sign-up fee, no subscription and no percentage of your jobs. On eligible programs the lender pays your business account directly, not the homeowner’s. A lender fee may apply if you offer a promotional plan.
No setup fee · No subscription · No demo · No minimums
Dealer fees: a 2019 national lender schedule (7.99% on 12 months same-as-cash); Salal Credit Union, fall 2026 pricing (a 4% dealer fee to cut a 180-month rate from 7.99% to 6.99%). Platform fees: published plan prices, July 2026.
Everything a bathroom remodeler needs to sell with financing.
Contractor operations
Bath jobs close in one visit and install in days. Track every application, offer and funding status from the consultation to the final walkthrough.
Run financing from one dashboard
Every bath job’s application, offer, follow-up and funding status in one place, beside your install calendar.
Track every application
See where each homeowner’s application stands while your team confirms the measure, materials and install date.
Track funded volume
Track funded bath jobs by rep, office and month, and see which months finance the most.
Manage supported promotions
Turn on the promotions your lender programs support and see how each one changes the homeowner’s monthly options.
In-home consultations
Reps send the application during the consultation or by text afterward. Managers see which reps and offices turn appointments into financed baths.
Work from the field
Share a link or QR code at the kitchen table, or text it after the visit so the homeowner can take their time.
Measure tools and rep adoption
Compare application starts and completions by rep, office, link, QR code and website button.
Measure every entry point
See which entry points start applications: appointment texts, proposal QR codes, your website button.
Keep the experience branded
Your logo, colors and phone number on every screen, so the homeowner always knows who they’re dealing with.
Homeowners apply on their own device, under your brand, with time to decide.
One application, multiple programs
Homeowners apply once, with the proposal in front of them, and participating lenders consider it one after another.
Direct-to-business funding
On eligible programs the lender pays your business directly.
Links, QR codes, and messages
Send it at the kitchen table or by text after the consultation.
Homeowner-friendly experience
Plain steps and every term on screen before anything is signed, on the homeowner’s own phone.
Your business stays front and center
Your name and number stay on every screen, so a homeowner or their family always knows who to call.
Available promotions
Offer a lender’s promotional plan where one exists, with its cost to your business shown first.
See which bath jobs need action and which tools start applications.
See what needs action
Spot applications waiting on a document, a signature or the homeowner’s completion confirmation.
Keep follow-up in one place
Open the application, see what’s holding it and pick up where the rep left off.
Keep bath jobs moving
Give reps and the office clear next steps without asking homeowners to sort out the financing.
Find your best entry points
Compare starts from appointment texts, proposal QR codes, website buttons and follow-up emails.
Compare reps and offices
See which reps and offices get applications started and completed, and where they stall.
Improve distribution
Put links where homeowners start applications: the proposal, the confirmation text, your website.
One lender is one try. Twenty means more ways to get the bath done. All in one place.
With
A disconnected process
The first lender declines and the rep packs up.
Pressure to sign before the rep leaves.
A cut of every promotional job, priced into the bath.
The office calls reps to find out where a job stands.
Homeowners handed off to a lender’s site.
With Ottri
Declines move to the next eligible lender, no new form.
Homeowners apply on their phone and decide on their own time.
Nothing from Ottri to add to the price.
The office sees each bath job’s next step.
Your brand from the consultation to funding.
What bathroom remodelers ask before they offer financing.
Updated
Carol Bennett
Example: tub-to-shower conversion
Prime installment loan
Lender 1
Prime installment loan
Lender 2
Near-prime installment loan
Lender 3
Offer received
Near-prime installment loan, same visit
The homeowner can review it now or later.
What happens when a homeowner is declined during the consultation?
The visit doesn’t have to end. The same application goes to the next eligible lender while the rep is still in the home, and the homeowner never starts over. Each lender sets its own credit bar, so one decline doesn’t decide the rest, and the homeowner still decides on their own time.
- An in-home sale of $25 or more carries the federal 3-day right to cancel, even when the homeowner invited you.
- Tell the homeowner about that right out loud, with forms in the language you sold in.
- You can’t pass the note to a finance company before midnight of the fifth business day.
- Each lender confirms the amount on your proposal.
Sources: 16 CFR Part 429 (FTC Cooling-Off Rule), definitions and §429.1 (oral notice, language of the sale, assignment of the note).
Typical bathroom cost, 2025–2026
Census and HUD (2023); Houzz (2026); Fixr and This Old House (2026)
| Job | Typical cost | Programs that often fit |
|---|---|---|
| Tub or shower swap | $2,000–$6,000 | CashInstallment |
| Tub-to-shower | $1,200–$12,000 | Installment |
| Curbless shower | $8,000–$15,000 | Installment |
| Guest bath | $7,000 median | Installment |
| Major bath | $25,000 median | InstallmentHome equity |
| Large primary bath | $30,000 median | InstallmentHome equity |
| Upscale primary | $50,000–$80,000+ | Home equity |
What does a bathroom remodel cost in 2026?
It depends on the job, which is why averages disagree. A tub-to-shower conversion runs $1,200 to $12,000, a guest bath about $7,000 and a major primary bath $25,000 to $30,000 at the median. Homeowner surveys report $5,000 because they count small DIY updates. Quote the real job, then finance that.
- Major bath remodels were 23% of bath jobs in 2023 but 65% of the money spent.
- Imported vanities carry a 25% tariff, set to rise to 50% on January 1, 2027.
- Ottri network programs range from $1,000 to $750,000.
Sources: U.S. Census Bureau and HUD, 2023 American Housing Survey: Home Improvements (2024); Harvard JCHS, Improving America’s Housing 2025, Table A-1. Houzz, bathroom trends 2026; Fixr, bathroom remodeling cost (January 2026); This Old House, tub-to-shower conversion cost (March 2026).
Same application for every homeowner
How do we offer financing fairly to older homeowners?
Give every homeowner the same application, let them apply on their own device and leave time to decide. Welcome a family member if the homeowner wants one, but never fill in or sign an application for someone else. Some states give older buyers more time: California allows 5 business days at 65 and up.
- California contracts must also give an email address for cancelling.
- Illinois gives buyers 65 and older 15 business days when the solicitation was uninvited.
- Florida penalties reach $15,000 per violation when the victim is 60 or older.
- Offering financing to only some homeowners can break fair-lending rules. Offer it to everyone.
Sources: California Civil Code §1689.6 and Business and Professions Code §7159; 815 ILCS 513/22; Florida Statutes §501.2077. Regulation B, 12 CFR 1002.4 (no discouragement on a prohibited basis, including age).
Robert Hayes
Example: curbless shower conversion
VA HISA grant approved
Homeowner
Application for the rest
Homeowner
Offer accepted, documents signed
Homeowner
Shower installed
Your crew
Paid to your business
Lender, on eligible programs
Next step
Homeowner confirms the shower is finished
Does Medicare pay for a walk-in shower?
No. Original Medicare doesn’t pay for bathroom remodeling and doesn’t treat grab bars or bath seats as medical equipment. Some Medicare Advantage plans cover bathroom safety devices; very few cover construction. VA grants and some state Medicaid waivers can pay for real modifications, so check those first and finance the rest.
- 21% of individual Medicare Advantage plans offered bathroom safety devices in 2026.
- VA’s HISA grant pays up to $6,800 over a lifetime for a service-connected condition or a 50% or higher rating, $2,000 otherwise.
- Only some medical home changes are tax-deductible. Don’t promise a tax benefit.
- Never promise a grant or a Medicare payment.
Sources: CMS, National Coverage Determination 280.1, Durable Medical Equipment Reference List; KFF, Medicare Advantage 2026 spotlight. U.S. Department of Veterans Affairs, disability housing grants; IRS Publication 502.
Bathroom remodeling financing questions, answered.
How do bathroom remodelers offer financing to customers?
Bath companies offer financing during the consultation, when the homeowner sees the proposal, so the job can be paid monthly instead of all at once. With Ottri, your rep shares one branded application by link, QR code or text, the homeowner fills it out on their own phone, and participating lenders review it in turn. On eligible programs the lender pays your business, and Ottri charges you nothing. In 2023, major bath remodels averaged $25,377 and made up 65% of all bath remodeling dollars.
We already offer our brand or dealer network’s financing. Can we use Ottri too?
Yes. Keep your brand’s program for the homeowners it approves and the promotions it runs. Use Ottri for the rest: homeowners that program declines and jobs outside its promotion. Some dealer agreements say which lender must see an application first, so check yours before you send.
How do we sell financing fairly to older homeowners?
Offer the same application to every homeowner, let them apply on their own device and give them time. Welcome a family member if the homeowner wants one. Your reps never fill in or sign an application for a homeowner; a relative with legal authority, such as a power of attorney, follows the lender’s process. State the right to cancel out loud: California gives buyers 65 and older 5 business days.
Does the 3-day right to cancel apply if the homeowner invited us?
Yes. Under the FTC Cooling-Off Rule, an in-home sale of $25 or more counts even when the homeowner asked for the visit. You must tell the buyer about the right orally, give the forms in the language of the sale, and you can’t pass the note to a finance company before midnight of the fifth business day.
What does Ottri cost a bath company? Do lenders charge dealer fees?
Ottri costs your business nothing: no sign-up fee, no subscription and no percentage of your jobs. Promotional plans such as 12 months no interest can carry a lender fee; published schedules put it around 8% of the amount financed, about $1,200 on a $15,000 bath. If you offer one, make sure the homeowner knows deferred interest can be charged if the balance isn’t paid in time.
Does Medicare pay for a walk-in shower or bath modifications?
No. Original Medicare doesn’t cover bathroom remodeling and doesn’t treat grab bars or bath seats as medical equipment. Some Medicare Advantage plans cover bathroom safety devices, and very few cover construction. VA grants and some state Medicaid programs can help pay for modifications, so point homeowners there first and finance what’s left.
When does the lender pay us?
It depends on the program. Some lenders pay once the documents are signed and many pay after the homeowner confirms the job is complete; the dashboard shows each job’s next step. Either way the homeowner’s right to cancel still runs, so plan material orders around it. In California, beyond a down payment of $1,000 or 10%, whichever is less, a contractor can’t take payment ahead of the work done or materials delivered, even from a lender.
What do I need to sign up?
Create your account online and upload your business details and EIN, contractor license, proof of insurance, a sample customer contract, the owner’s ID and the bank account for lender payments. No minimums apply to sign up. Each lender then reviews your business on its own terms.
Who approves the financing and sends the funds?
The participating lender decides, sets the rate and term, and on eligible programs sends the money to your business, not the homeowner. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender.
Can we offer a cash discount or a today-only price?
Keep one price for cash and financed homeowners, and skip today-only discounts. Charging financed buyers more can count as a hidden finance charge under federal lending rules, and a price that disappears if the homeowner uses their right to cancel can misrepresent that right. Ottri adds no fee, so there’s nothing to price in.