# Remodeling Financing for Contractors > Remodeling 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/remodeling-financing — this Markdown document is generated from the same source at build time. ## Multi-lender remodeling financing for contractors. Sell the whole renovation. Ottri is the complete remodeling financing platform: one branded application, 20 participating lenders, estimators closing at the proposal, 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 remodelers, reps, teams, and locations. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a remodeler needs to sell with financing. ### Contractor operations Renovations stall on price, not desire. Present monthly payments with the proposal, track every application, and watch funded volume grow. - **Run financing from one dashboard** — Manage applications, available offers, follow-up, funding status, and production in one place. - **Track every application** — See where each homeowner stands in financing as your team follows up on the proposed renovation. - **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. ### Consultations and performance Designers and estimators send the application from the consultation. Managers see which people and entry points turn proposals into contracts. - **Work from the field** — Share a link or QR code during a design consultation, an in-home estimate, or a follow-up 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, proposal in hand. - **One application, multiple programs** — Give homeowners one application to start while they consider the scope and cost of the remodel. - **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 renovation 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 entry points lead to applications, then focus the remodeling team's attention. - **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 remodel 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 customer financing work for remodeling contractors? Remodeling customer financing lets a homeowner apply for credit toward eligible renovation work through a participating lender. Ottri gives your remodeling business a branded application and a shared view of financing progress. Your team can introduce financing during planning and manage follow-up while the homeowner considers the proposed work. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the remodeling 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 a financing request cover a remodel across multiple rooms? A multi-room renovation may be considered when the project and requested costs meet the participating program's requirements. Present a defined scope and estimate that identifies the work your business will deliver. A larger renovation is matched to the programs built for bigger projects, right alongside the smaller room updates. 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. ### How can our team manage financing follow-up during a remodel? Use Ottri to review the homeowner's application, available offers, required next steps, and funding status in one workspace. Assign a team member to handle financing follow-up as the project develops. If the scope or price changes, update the estimate and confirm what the lender needs before relying on an earlier financing amount. Because status lives in one dashboard, a scope change is a quick update, not a restart. ### 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 should we determine the requested remodeling amount? Start with the work and costs in the estimate the homeowner is evaluating. Identify any separately paid items and confirm which costs the participating program accepts. The lender confirms the available amount and terms, and the homeowner sees a clear number before the contract is signed. Across the Ottri network, participating programs cover projects from $1,000 to $750,000, which spans a single room to a whole-home renovation. ### Does Ottri guarantee deposits or progress payments for a remodel? 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 contractor's project 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.