Deferred interest
0% APR
12 months
Promotional deferred interest on approved credit. Interest is charged from the purchase date if the balance is not paid in full within the promotional period.
Paying for it
A draw schedule you can hold us to, and three ways to fund it
Ten percent on signing, and the final ten percent only after the punch walk is signed off. Financing is arranged through a third party lender, never by us.
- Deposit
- 10% on signing
- Draws
- 5 stages
- Final payment
- After punch list
Funding options
Financing through a third party lender
We do not lend and we do not receive a commission on lending. These are the routes our clients use most, with illustrative sample terms.
Fixed rate instalment
From 7.99% APR
60 to 120 months
A fixed monthly payment across the term, with no prepayment penalty. Rate depends on credit profile, term and loan amount.
Home equity line
Varies
Set by your lender
Many clients use an existing HELOC. We invoice against a draw schedule that most lenders accept without modification.
Rates and terms shown are illustrative sample figures for this demonstration website. All financing is subject to credit approval by a third party lender. Onyx Bath Atelier is not a lender, a broker or a financial adviser, and does not offer financial advice.
The draw schedule
Five payments, tied to work that has actually happened
Each draw is released against a milestone you can see. Most lenders accept this schedule without modification.
| Stage | Share | What it covers |
|---|---|---|
| On signing | 10% | Secures the schedule slot and starts design production. |
| Order release | 35% | Releases stone, fixtures and custom glass to order. |
| Rough-in complete | 25% | Due after plumbing and electrical inspections pass. |
| Tile and glass set | 20% | Due once the wet zone is finished and glass is hung. |
| Punch list closed | 10% | Final payment, only after the punch walk is signed off. |
Investment levels
Three levels, priced honestly
Sample bands for a demonstration site, based on completed Chicago projects. Every real number comes from a site visit and a drawn scope.
Show figures for
Considered
The room rebuilt properly, with one material doing the talking.
$42k - $68k
7 to 10 weekson site
- Full demolition, rough-in and permitted inspections
- Bonded, flood-tested waterproofing with photo record
- One feature material, porcelain or limestone field
- Stock vanity or a simple shop-built box
- Fixed price after design, named allowances
- 30 day adjustment visit
- Most requested
Atelier
Our most requested level: custom millwork, natural stone and lighting scenes.
$68k - $120k
10 to 14 weekson site
- Everything in Considered
- Slab yard selection and a shop dry-lay before cutting
- Shop-built vanity, linen tower and recessed mirror cabinets
- Frameless low-iron glass, templated after tile
- Four-scene lighting on a keypad, heated stone floor
- One year check and reseal
Commission
Book-matched slabs, backlit stone, steam and bespoke metalwork.
$120k - $260k
14 to 20 weekson site
- Everything in Atelier
- Whole-block stone purchase with reserve pieces held
- Backlit onyx or book-matched feature walls
- Steam generation with sloped ceiling and sealed enclosure
- Bespoke blackened steel or brass metalwork
- Dedicated project manager and a private delivery programme
Structural alterations and stack relocation are priced separately after survey.
Figures are illustrative sample bands for this demonstration website and are not a quote or an offer of service. Structural alterations, stack relocation and building charges are priced separately after survey.
Money questions
Design fees, fixed prices and lead times
Five answers about how the commercial side of a project works.
Because design is real work: measured drawings, elevations, material sourcing, slab selection and a fully priced specification. The fee is credited against the build contract on projects over $60,000.
After design, yes. The contract carries a fixed price with named allowances. Change orders only happen when you ask for a change or when we open a wall and find something nobody could have seen, and both are priced in writing first.
Design typically starts four to six weeks out. Site starts are usually three to five months out, because we will not begin demolition until every item is in our warehouse.
Five draws: 10% on signing, 35% at order release, 25% at rough-in complete, 20% at tile and glass set, and 10% after the punch list is closed. The final payment is never due before the punch walk.
They are illustrative sample bands for a demonstration website. A real number comes from a site visit and a drawn scope, never from a web page.
Get a number before you talk to a lender
A site visit and a drawn scope give you a figure worth taking to a bank. It costs nothing and takes about forty-five minutes.
Request an estimate(312) 555-0214
Serving Chicago and the North Shore. Showroom visits by appointment.