# Home Addition Financing for Contractors > Home addition customer financing: one branded application, 20 participating lenders, and the next lender looks when one says no. Funds paid to your business. No setup fee. 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/home-additions-financing — this Markdown document is generated from the same source at build time. ## Multi-lender home addition financing for contractors. Sell the addition as a payment. Ottri is the complete home addition financing platform: one branded application, 20 participating lenders, designers closing at the plan, 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 design-build teams, estimators, and offices. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything an addition builder needs to sell with financing. ### Contractor operations Additions and ADUs are among the largest projects a homeowner finances. Present monthly payments with the plan and track every application. - **Run financing from one dashboard** — Manage applications, available offers, follow-up, funding status, and production in one place. - **Track every application** — Track the homeowner's financing progress while your team refines the addition scope and estimate. - **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. ### Design consultations and performance Designers send the application at the consultation by link or QR code. Managers see which designers and entry points turn plans into contracts. - **Work from the field** — Share a financing link or QR code during the design consultation or site walkthrough. - **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 start one application while reviewing the addition plan and the work included in the estimate. - **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 design 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 design meetings, proposal links, and other entry points lead to addition financing applications. - **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 addition 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 can contractors offer financing for home additions? Home addition financing lets a homeowner apply for credit toward an eligible addition, conversion, or accessory dwelling unit through a participating lender. With Ottri, your business presents one branded application and manages financing follow-up in one workspace. Your design team stays focused on the plan and the build; the lender decides whether to extend credit. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the addition 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 room additions, garage conversions, and ADUs be considered? They may be considered when the defined project fits a participating program's requirements. Describe the structure, finishes, systems, and site work in the estimate. A garage conversion and a detached ADU can have very different scopes and amounts; the project, requested amount, homeowner, and participating program determine eligibility. 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. ### Is this the same as a construction or renovation loan? Not necessarily. Participating lender programs available through Ottri are consumer financing products with their own accepted scopes, amounts, and funding conditions. Some larger additions may fall outside those programs. Review the programs available to your business before presenting financing for a specific addition or ADU. For the projects that do fit, the homeowner gets one branded application and 20 participating lenders instead of a bank appointment. ### 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. ### How is the requested amount matched to an addition estimate? Start with the defined plan and an estimate identifying the work and costs the homeowner is evaluating. The participating lender determines eligible costs, the approved amount, and terms after reviewing the application. If permits, engineering, or site conditions change the scope, check the financing requirements before relying on the previous amount or offer. Across the Ottri network, participating programs cover projects from $1,000 to $750,000, so a garage conversion or a modest ADU is within range. ### Does Ottri provide construction draws or progress payments for additions? Disbursement follows the selected program, and you see exactly when funds release in your dashboard. Review the selected program's disbursement process and required confirmations before setting expectations with the homeowner or subcontractors. The build schedule and the lender's funding conditions need to be understood together. What Ottri does provide is direct-to-business funding on eligible programs, so proceeds come to you rather than through the homeowner. ### 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.