diff --git a/src/infrastructure/router/cascade.py b/src/infrastructure/router/cascade.py
index 73a55a5..d5aba23 100644
--- a/src/infrastructure/router/cascade.py
+++ b/src/infrastructure/router/cascade.py
@@ -574,7 +574,7 @@ class CascadeRouter:
         """Call Ollama API with multi-modal support."""
         import aiohttp
 
-        url = f"{provider.url}/api/chat"
+        url = f"{provider.url or settings.ollama_url}/api/chat"
 
         # Transform messages for Ollama format (including images)
         transformed_messages = self._transform_messages_for_ollama(messages)