Most private lenders grow through a few wholesalers and agents. When those relationships slow down, so does your book.
For private and hard money lenders
Find investor borrowers before they call another lender.
Your best borrowers are investors who are already buying. Spur finds owners who have recently bought for cash, own several rentals, or are flipping in your market, then mails a personal introduction to your loan programs with a QR code to apply.
Free forever plan · No card · 20 property searches a month
USPSFirst-Class
Marcus HillMH Property Group LLCMemphis, TN 38104Scan for current loan terms
MH Property Group viewed your loan terms · 8 min ago
AI-written for this owner · Mailed in 2 days
Activeinvestors found by purchase history and portfolio
Cash buyerswho may want delayed financing
QRstraight to your loan application
The problem
Lenders compete for the same handful of investors.
An investor searching "hard money lender" is comparing ten quotes at once. You want to be the lender they already know.
The investors closing deals right now are the ones who need capital, but they're hard to identify without the data.
How it works
From list to mailbox in one workflow.
The same five steps every time, set up for private money lenders.
app.usespur.com
Plays for Private Lenders
Private lending plays you can run in Spur today
Active flippersCash buyers needing delayed financing Buy-and-hold landlords Small builders Wholesaler and agent partners New-market expansion
Investors who bought and resold within the last year or two.
Owns 2+ propertiesRecent purchase
See the full play →Investors who bought for cash and may want their capital back.
Recent purchaseNo mortgage
Portfolio owners who may need bridge or rental loans.
AbsenteeOwns 3+ properties
Infill builders who need construction capital.
Vacant lotEntity owner
Deal sources whose buyers need financing.
Partner listMonthly
Investors active in a market you're entering.
Zip codeOwns 2+ properties
See it in Spur
A private lender's investor list in Spur
Sample results for active investors in one market. Names are partly masked.
Memphis, TNAbsentee ownerOwns 2+ propertiesPurchase in last 12 mos
- MH Property Group LLC3 purchases this yearContact: Marcus H.Owns 7Cash buyer
- Midsouth Homes LLC2 purchases this yearMailing in GermantownOwns 12
- Kendra B.1 purchase this yearOwner in Atlanta, GAOwns 4No mortgage
- Riverbend Rentals LLC4 purchases this yearContact: Andre W.Owns 19
- Joel & Tara P.2 purchases this yearOwner in ColliervilleOwns 3Flipper
AI draft for Marcus H. · MH Property Group LLC
Hi Marcus,
I'm Dana with Bluff City Capital. I noticed MH Property Group has picked up a few properties in Memphis this year, so I wanted to introduce myself.
We fund purchase-and-rehab and bridge loans for local investors. We can usually close in 7 to 10 days, we use a local inspector for draws so you're not waiting on someone from out of state, and you'll talk to the same person from application to payoff.
Scan the code to see our current terms. If you ever have a deal that needs to close fast, call me directly.
Dana Wright · Bluff City Capital · (901) 555-0129
Sample data for illustration. Your results depend on your market and filters.
Playbook
How private lenders find more investor borrowers
Private and hard money lending is a speed and relationship business. Investors choose the lender who closes reliably and answers the phone, and they tend to stay with that lender for deal after deal. The marketing goal is to become that lender for more active investors in your market.
Property data shows you who's active. Owners with several properties, recent purchases, and properties bought without a mortgage are the investors most likely to need purchase, rehab, bridge, or delayed-financing capital soon. Filtering for those signals gives you a list of real borrowers instead of a general investor audience.
Be specific and accurate in your outreach. Investors respond to concrete terms: typical close times, leverage, how draws work, and who they'll deal with. Make sure every rate or term you mention is current and that your messaging meets the advertising and licensing rules in each state you lend in. Business-purpose lending is often regulated differently from consumer lending; loans on owner-occupied homes bring additional federal and state requirements.
Finally, build deal-source relationships alongside direct outreach. Wholesalers, agents who work with investors, and title companies see deals before they close, and a quarterly touch keeps you on their short list.
10×return on a year of Spur Team from one $300,000 loan at 2 points
One loan covers years of outreach.
- Spur Team: $588/yr billed annually
- 300 investor letters on Team at $1.39 each = $417
- One $300,000 loan at 2 origination points = $6,000, about 10× your subscription, before interest
Example math. Points, rates, and loan sizes vary by lender and deal. Run your own numbers →
One tool, not four
Spur vs. how most private lenders find borrowers
What you needThe usual waySpur
Finding active investorsREIA meetings and referrals✓ Built in
Investor contact infoCounty records and LinkedIn✓ Built in
OutreachGeneric email blasts✓ Built in
Who's interestedNo signal✓ Built in
New purchases each monthManual record checks✓ Built in
FAQ
Questions from private money lenders
How do private lenders find borrowers?
By reaching investors who are actively buying: owners with several properties, recent purchases, and cash purchases that may need delayed financing. Spur builds that list from property data and enriches the contact details.
Can I find investors who bought for cash?
Yes. Filter for recent purchases with no recorded mortgage to find likely cash buyers who may want to recover their capital.
Can I mention rates in my mail?
You control the content. Make sure any rates or terms are current and that your messaging follows the lending and advertising rules in each state where you lend.
Does Spur work for lending funds?
Yes. Funds use Spur to reach borrowers and deal sources. Marketing to investors who might put money into your fund is subject to securities rules, so treat that as a separate program and have it reviewed.
Can I reach wholesalers and agents too?
Yes. Build a partner list and send a quarterly update on your programs and recent fundings.
Keep exploring
Related roles and guides
Start in minutes. No card required.
The investors closing deals this month need a lender they trust.
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Find investor borrowers — freeFree forever plan · No card · 20 property searches a month
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