# Bathroom Remodeling Financing for Contractors > Bathroom remodeling customer financing: one branded application, 20 participating lenders, and the next lender looks when one says no. Funds paid to your business. Last updated: 2026-09-05. Part of Ottri's Home Improvement financing platform (https://www.ottri.com/home-improvement). Canonical version: https://www.ottri.com/home-improvement/bathroom-remodeling-financing — this Markdown document is generated from the same source at build time. ## Multi-lender bathroom remodeling financing for contractors. Sell the full bathroom. Ottri is the complete bathroom financing platform: one branded application, 20 participating lenders, reps closing in the home, the office tracking every application, and funds paid straight to you. - One application. Multiple participating lender programs. - A branded experience from application through funding. - Built for bath specialists, reps, and teams. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a bathroom remodeler needs to sell with financing. ### Contractor operations Bathrooms are sold in the home, in one visit. Present monthly payments with the estimate, track every application, and see funded volume in one dashboard. - **Run financing from one dashboard** — Manage applications, available offers, follow-up, funding status, and production in one place. - **Track every application** — See the homeowner's application progress and the financing steps still needed for the proposed bathroom work. - **Track funded volume** — See funded production over time and compare it with the portfolio average. - **Manage supported promotions** — Configure available promotions and buydowns and understand how they affect homeowner payment options. ### Bath consultations and performance Reps send the application from the consultation by link or QR code. Managers see which reps and entry points turn consultations into installs. - **Work from the field** — Share a financing link or QR code during the bathroom consultation, with follow-up available from your dashboard. - **Measure tools and rep adoption** — Compare activity by rep, location, link, QR code, button, or embedded entry point. - **Measure every entry point** — Compare application starts and completions across links, QR codes, buttons, embeds, and messages. - **Keep the experience branded** — Keep your logo, colors, and support contact present throughout the homeowner financing journey. ## Homeowners apply on the spot, under your brand, at the consultation. - **One application, multiple programs** — Homeowners complete one application while considering the bathroom proposal and the scope that fits their needs. - **Direct-to-business funding** — Participating lenders fund your business under the selected program’s funding conditions. - **Links, QR codes, and messages** — Text or email the application after the bathroom consultation. - **Homeowner-friendly experience** — Give homeowners a clear, mobile-first path to apply and review available options. - **Your business stays front and center** — Keep your logo, colors, and customer-facing identity throughout the financing flow. - **Available promotions** — Present seasonal or project-specific promotions where programs allow. ## Know what needs action — and which financing tools are working. ### Pipeline follow-up - **See what needs action** — Surface applications delayed by missing documents or other required next steps. - **Keep follow-up in one place** — Open the relevant application, understand the blocker, and continue from one shared pipeline. - **Keep applications moving** — Give reps clear follow-up signals without asking homeowners to diagnose the financing process. ### Embedded-tool performance - **See what drives starts** — Compare application starts from links, QR codes, buttons, widgets, and other supported entry points. - **Measure each channel** — See which consultation and follow-up tools generate bathroom financing applications for your team. - **Improve distribution** — Use real usage patterns to focus reps and teams on the entry points that earn engagement. ## One lender is a dead end. Twenty is more ways to get the bathroom built. All in one place. A disconnected process: - Separate applications for different lenders. - Application status spread across portals. - Customer handoffs with changing branding. - Follow-up split across people and tools. - Unclear next steps for the team. With Ottri: - One application. Participating lender programs. - Applications, offers, and funding status in one place. - Your brand stays present in the financing flow. - A shared financing workspace for your team. - Required next steps visible in the application. ## Frequently asked questions ### How does financing work for bathroom remodeling customers? Bathroom remodeling financing lets a homeowner apply for credit toward eligible bathroom work through a participating lender. With Ottri, your business introduces one branded application and tracks the financing process in one place. The customer can consider available terms alongside the proposed work, while your team manages follow-up. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the bathroom sale. ### What happens if the first lender says no? Nothing extra for you or your customer. The homeowner fills out one branded application, and Ottri moves it to the next participating lender automatically, across 20 lenders on the Ottri network. Your customer sees one application under your brand the whole way, and you see every step in your dashboard. Each lender makes its own decision. ### Can customers apply for a shower conversion or a complete bathroom remodel? Eligible programs may consider a defined conversion, replacement, or broader bathroom renovation. Describe the actual fixtures, materials, installation, and related work in the estimate. A smaller tub-to-shower conversion and a full bathroom rebuild may involve different amounts and requirements, so the participating program must fit the specific project. Because one application is considered by multiple lender programs in sequence, a project that does not fit one program can still fit another. ### What does Ottri cost, and how do we get started? Free to start. No setup fee, no subscription, no demo. Create your account, complete onboarding, and send your first application as soon as your programs are active. Lender and promotional costs, where they apply, depend on the program you choose. ### What happens between the bathroom consultation and funding? Your rep shares the branded application while explaining the estimate. The homeowner applies and reviews any available lender terms; your authorized team can see application progress and required next steps in Ottri. The lender controls the credit decision and funding conditions. Your office can coordinate financing follow-up alongside installation planning. Your rep and your office see the same application, so nothing waits on a callback. ### Will the financing stay under our brand, and are applications sold as leads? Yes, it is your brand from start to finish. Your logo, colors, and contact are on every screen the homeowner sees. We never sell applications as leads. The customer stays yours; the participating lender simply provides the credit, and its required disclosures appear where the law requires. ### Can the financing request include bathroom materials and labor? The estimate should identify both the materials and installation work the customer wants financed. Eligible costs and the approved amount depend on the participating program and application. If demolition reveals additional work or the homeowner changes selections, review the revised scope with the financing requirements before proceeding. Across the Ottri network, participating programs cover projects from $1,000 to $750,000, which spans a tub liner to a full gut renovation. ### Is financing for a walk-in shower the same as medical financing? No. This page addresses eligible residential bathroom work offered through a remodeling business. The presence of accessibility features does not make a project medical treatment, establish insurance coverage, or qualify it for a grant. The financing program must accept the actual installation and applicant. What it is: a branded consumer financing application with 20 participating lenders behind it, offered by your business. ### Who approves the financing and sends the funds? The participating lender approves the financing and sets the terms. On eligible programs the lender pays your business directly, so you are never chasing the homeowner for payment. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender. ### Does applying for financing affect the homeowner’s credit? Applying is built to be easy on the homeowner. Whether a program uses a soft or hard inquiry depends on the lender, the product, and the step, and the homeowner sees that information on screen before continuing, so there are no surprises. --- About Ottri: Ottri is a licensed loan broker, NMLS 2776988. Ottri is not a lender. Participating lenders establish their own products and criteria, make their own credit decisions, provide any credit extended, and retain the responsibilities assigned to them by law and agreement. Ottri's capabilities and role vary by program and deployment.