For lenders
Real-time leads from borrowers who already did the math
Shouldirefi borrowers analyze their complete financial picture — every debt, every rate, every property — and see their best restructuring options before they ask to talk to a lender. When they click Get Rates, you get a fully-documented, decision-ready lead in real time.
Real-time delivery
Leads reach you the moment a borrower clicks Get Rates — by email, in your dashboard, and via API. First call wins, and you are the first call.
Committed borrowers
Before a borrower ever sees the Get Rates button they have entered their full financial picture and reviewed their restructuring options. These are decisions, not curiosity clicks.
Extensive lead data
Every lead includes contact info, property address, the exact scenario they chose, and a full financial snapshot — income, debts, rates, equity. No soft pull needed to qualify the conversation.
Primed for the right product
Our analysis engine has already shown the borrower their best-fit product and one or two alternatives. You are not selling the concept — you are quoting a plan they already chose.
Retainer model, your control
Deposit funds up front; each purchased lead draws from your balance at your bid price. Pause lead spend any time and request a withdrawal of your remaining balance whenever you like.
Market-based pricing
You set the price and how many leads you will take at it, per product and lead type. Highest bid gets the lead; the going rate for the #1 spot is always visible.
API + email delivery
Take delivery however your team works: instant email with the full lead, a live dashboard, or webhook/API integration into your LOS or dialer.
No rates on our site — ever
We never publish or compare lender rates. Borrowers pick lenders based on service reputation, so you compete on how you treat customers, not on a rate table.
Three lead types, six products
Real-time exclusive
The lead is sold to exactly one lender — you. Highest-intent, highest-value contact.
Real-time shared
Sold to a small set of top bidders (typically 3). Lower cost per lead, same real-time speed.
Appointment-set exclusive
Our team books the appointment with the borrower first, then hands it to a single lender.
1. Apply
Tell us about your shop — NMLS ID, monthly volume, and how many leads you already buy.
2. Get approved & fund
We review every partner by hand. Once approved, activate your account and fund your lead balance.
3. Bid and receive leads
Set your price and volume per lead type. Leads flow to you automatically as borrowers inquire.
Become a lending partner
Tell us about your shop. We review every application by hand and reply by email.
Apply at shouldirefi.app/partners