Transforming How Real-Estate Lenders Work
We're on a mission to give every real-estate lender access to professional-grade tools — without the enterprise price tag.
Our Story
EZ Rate Sheet was born out of a simple frustration: the tools available to real-estate lenders were either too expensive, too complex, or simply outdated. Our founder experienced these challenges firsthand while helping countless lenders grow their businesses.
While primarily focused on their marketing and sales automation, a common theme arose. Lenders were spending hours creating term sheets manually, juggling spreadsheets, struggling to get terms, rates, and fees right, and losing deals to competitors with better-looking presentations in the process. Additionally, most lenders did not have good visibility on their lending activity, limiting their ability to identify opportunities for improvement.
That frustration became the spark for something better. What started as a personal tool quickly grew into a comprehensive platform that real-estate lenders across the country now rely on every day.
Today, EZ Rate Sheet powers a fast-growing community of real-estate lenders across the United States, processing millions monthly in loan volume. But our mission hasn't changed: to help lenders grow with professional-grade tools at prices that make sense for real businesses.
Empowering Every Lender
To provide real-estate lenders with powerful, intuitive tools that level the playing field — enabling them to create professional presentations, access competitive rates, and close more deals with confidence.
The Future of Lending
To become the industry standard platform for private real estate lending — where every lender, regardless of size, has access to the same quality tools as the largest institutions.
From Frustration to Solution
The milestones that shaped our platform
The Problem
Frustrated with expensive, outdated rate sheet tools and processes, our founder began developing a better solution.
First Launch
Launched the initial version with core rate sheet functionality and basic lender integrations.
Rapid Growth
After fast growth, established partnerships with major lenders and launched our exclusive lending network.
AI & Insights
Added AI-powered insights and market analysis tools to help users make better decisions.
API Integration
Added the ability to integrate EZ Rate Sheet into your LOS, or any other system with API capabilities.
The Future
Expanding internationally and developing next-generation features powered by AI and machine learning to make lending better, faster, and more accurate.
Meet Mike Williams
Mike Williams is the founder of EZ Rate Sheet, with years of experience in private lending, real estate investing, and technology entrepreneurship. He spent years on the inside of private money lending operations — managing borrower pipelines, automating sales & marketing, and watching the same operational problems play out at shop after shop.
Want the unvarnished origin story — the spreadsheets, the expensive platform that didn't deliver, and what we built to fix the gap? Read “Why we built EZRS” →
EZ Rate Sheet was built from that frustration. Mike saw lending teams quoting different rates on identical deals, losing track of borrowers in email threads, and stitching together five disconnected tools to run a single loan. He'd lived all of it. So he built the platform he wished he'd had — a combined rate sheet engine, CRM, and marketing automation system built specifically for private lenders, not adapted from generic tools or “template Google Sheets.”
Mike is also the founder of Lead Engine Labs, a sister company that helps lending operations build, integrate, and automate their tech stacks. Through both companies, he works directly with hard money lenders, bridge lenders, DSCR specialists, and mortgage brokers to systematize the operational work that traditionally eats their margins.
When he's not building software for lenders, Mike is a real-estate investor and capital advisor with deep experience across fix-and-flip, DSCR, bridge, and ground-up construction transactions. That operator-first perspective is what makes EZ Rate Sheet different — every feature was designed by someone who knows lending, as well as marketing and sales automation.
Impact at a Glance
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