# Kitchen Remodeling Financing for Contractors > Kitchen 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/kitchen-remodeling-financing — this Markdown document is generated from the same source at build time. ## Multi-lender kitchen remodeling financing for contractors. Sell the kitchen they want. Ottri is the complete kitchen financing platform: one branded application, 20 participating lenders, designers closing at the table, 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 kitchen designers, reps, and teams. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a kitchen remodeler needs to sell with financing. ### Contractor operations Cabinets, counters, and appliances add up fast. Present monthly payments at the design meeting, track every application, and see funded volume in one place. - **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 follows up on kitchen selections and the 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 from the showroom or the home. Managers see which designers and entry points turn plans into signed kitchens. - **Work from the field** — Share an application link or QR code from the showroom, at the kitchen consultation, or during a home visit. - **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 design meeting. - **One application, multiple programs** — Let homeowners start one application while reviewing the kitchen design, installed estimate, and available options. - **Direct-to-business funding** — Participating lenders fund your business under the selected program’s funding conditions. - **Links, QR codes, and messages** — Send the application by text or email after the kitchen design meeting. - **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** — Compare application activity from showroom links, consultation QR codes, and follow-up messages. - **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 kitchen 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 kitchen remodelers offer financing to customers? Kitchen remodeling financing lets a homeowner apply for credit for an eligible kitchen renovation through a participating lender. Ottri gives your business one branded application to introduce with the design and estimate. Your team can then track financing progress without making the homeowner coordinate separate conversations with every person involved in the sale. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the kitchen 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 kitchen cabinets, countertops, and installation be considered together? They may be considered as part of an eligible kitchen remodeling project when the participating program accepts the scope and costs. Identify cabinets, countertops, labor, and related work in the estimate. Retail purchases and appliances the homeowner buys elsewhere are simply left off the estimate, so the financed amount matches your work. 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. ### When should we introduce financing during a kitchen consultation? Introduce the option when you discuss the proposed scope and price, so the homeowner can evaluate financing alongside the design. Use the actual estimate and available lender terms. A financing discussion should help the customer understand the purchase, including total cost, rather than rely only on a monthly payment illustration. Homeowners who see a monthly payment early tend to choose the finishes they actually want. ### 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. ### What if the customer changes cabinet or countertop selections? Update the project estimate and check the financing requirements before treating the revised amount as covered. Different materials or a new layout can change the requested costs. The selected lender determines whether an existing application or offer can accommodate the change and whether further review is needed. Because status lives in one dashboard, an upgraded countertop is a quick update, not a restart. ### How do we keep financing moving after the kitchen design meeting? Share the branded application by text or email after the meeting, then have the responsible team member review its status and required next steps in Ottri. That gives follow-up a specific purpose while the homeowner considers the design. Before ordering custom materials in reliance on financing, confirm the lender's remaining acceptance, document, and funding requirements. That shared view is what keeps the designer selling while the office keeps the application moving. ### 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.