We built EZ Rate Sheet because we needed it.
We've worked with a private lending business partner for many years. We tried the duct-tape approach. We tried the top-of-the-line platform. Neither one solved the front-of-the-deal problem the way it actually had to be solved. So we built EZRS — and then we started using it ourselves, every day, before we shipped it to anyone else.
What EZRS is — and what it isn't
EZRS isn't a full loan origination and servicing suite. It does a tighter job: deal capture, rate pricing, term sheets, referral partner management, and CRM sync. The part of the workflow that has to be right before a loan ever gets into a servicing platform.
We built it because the tools we tried either did too little or promised too much. The gap in the middle is where most private lenders actually live.
The Zoho era
Before EZRS, our team ran our entire lending operation inside Zoho CRM. Deal intake. Underwriting notes. Pipeline. Term sheet generation. Referral partner tracking.
It was duct tape and discipline. But it was ours. We knew where every field lived, every automation ran on our schedule, and when something broke we could fix it that afternoon.
It also had real limits. Pricing logic lived in a spreadsheet. Term sheets were manual. Reporting required Frankenstein dashboards. As volume grew, the duct tape started to show.
So we did what every operator does at that stage: we went shopping for a real platform.
The expensive lesson
We chose what is widely considered the top-of-the-line loan automation product in our space. We sat through the demos. We read the case studies. We saw the slick UI. We signed.
And then we started waiting.
The majority of the features we were sold on at signing still don't exist today. A referral partner management module we were promised would ship within months remains, nearly a year later, unshipped. Pricing tools that match how private lenders actually quote deals? Not there either.
The features that did work showed a pattern we now see echoed across years of public reviews of the broader category:
- Servicing logic built for a perfect world — late, partial, and NSF payments require manual cleanup.
- No real accounting integration — no native QuickBooks sync, the single most requested feature across years of public reviews.
- Custom documents that require coding to edit.
- CRM tools so thin that users openly bolt on HubSpot to fill the gap.
- Pricing you can't see until you book a demo.
We weren't crazy. The public record agreed with us. We just paid full price to find out.
So we built what we wished we'd had
We could have gone back to Zoho. We almost did. But the original limits were still real, and the detour taught us something useful: a lot of expensive platforms in this space solve the loan-management problem broadly, and solve the front-of-the-deal problem — pricing, term sheets, referral partner management, CRM hand-off — poorly or not at all.
So we built EZ Rate Sheet to solve that part well.
We use it every day in our partner's lending business. Every feature in EZRS exists because we needed it ourselves, first.
What EZRS does that the bigger platforms don't
Referral partner management — actually shipped
We track referral partners, attribute deals to them, and surface the data in reporting. Available today. The leading competitor in the category has been promising this since last summer.
Pricing tools that match how private lenders actually quote
LTV-aware, scenario-aware, defensible pricing logic. Not a spreadsheet glued to a CRM. Not a black box you can't audit. Pricing is a first-class object in EZRS, not an afterthought.
Term sheets without a developer
Edit your template in the browser. Export a branded PDF in one click, or send for e-signature directly through the platform. No support ticket. No coding. No "we'll get back to you in two weeks."
A CRM that talks to the tools you already use
Native integration with RiseHub.ai (built on GHL), plus flexible APIs that let you connect to almost anything — HubSpot, Salesforce, Zapier, your existing CRM. We aren't asking you to throw out everything and live inside our walled garden.
Pricing you can see
Our pricing is on our website. You can see it before you book a call. We think that should be table stakes. It isn't.
What EZRS is not
We try to be straight about the shape of the tool, because we know what it feels like to be sold a shape that doesn't match reality.
- EZRS is not a full loan servicing platform. We don't run amortization schedules, investor capital waterfalls, or post-funding accounting. If you need that, you need a servicing tool — and we'll integrate with it.
- EZRS is not a replacement for your CRM, by itself. We can build you a CRM, or you can use EZRS to make your CRM more useful for lending.
- EZRS is not a fund accounting system.
We do one part of the workflow — the part most platforms either skip or fake — and we do it well.
A tool built by people who had to use it before they sold it
EZRS came out of HIS Capital Funding and their Partner Lender program, where we ran real deals through numerous workflows to figure out what works best before we ever shipped it to anyone else. We still do. The product is downstream of how we actually run our own lending business.
That's the whole pitch.
Want the company background and founder bio? Read about the team →
Sound familiar?
If you're running your lending business on a spreadsheet, a CRM you've hacked into submission, or a platform that has been "just about to ship" the feature you actually need — we'd like to hear from you.
We won't promise you the moon. We'll promise you the tool we wished we'd had.