Competition among private money lenders is heating up. Borrowers have more options, and if all you’re doing is competing on interest rates, you’ll eventually lose. The truth is, smart lenders don’t just lower rates; they employ strategies that make them more attractive to borrowers while still maintaining high returns.

In this episode of Growing the Money, Rich Lennon shares two proven strategies that let you stay competitive in today’s lending market without sacrificing your profits. You’ll learn how to structure fractionalized notes to attract more borrowers, lower their costs, and actually increase your internal rate of return. 

You’ll Learn How To:

• Compete with other lenders without racing to the bottom on rates
• Use fractionalized notes to boost your returns while lowering borrower costs
• Adjust your money split in deals to increase your internal rate of return
• Stay attractive to borrowers by being flexible and strategic
• Build a repeatable system that grows your lending business in any market

Who This Episode Is For:

• New lenders are struggling to stand out in a crowded market
• Investors who want to lend smarter, not harder
• Anyone who wants to attract more deals while protecting their returns
  Why You Should Listen:

In a competitive lending environment, small tweaks can make the difference between getting passed over and being the borrower’s first choice. This episode gives you the tools to not only win more deals but also grow your wealth faster and with less risk. You’ll walk away with strategies you can use immediately to compete with confidence.

What You’ll Learn in This Episode:
[00:00] Why most lenders compete on rates, and why that’s a mistake
 [01:00] The hidden advantage of fractionalized notes
 [03:00] How to structure a deal to stay competitive without losing returns
 [05:00] Example: lowering rates but increasing your internal return
 [07:00] Why flexibility with money splits makes you more attractive
 [09:00] The one tradeoff to watch out for when fractionalizing notes
 [10:00] How to attract more borrowers while still hitting 30%+ returns

Follow Rich Lennon here:
Website: https://richlennon.com/
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Instagram: https://www.instagram.com/richlennon92/