Repeat Borrower Retention Planner
Works your loan book for the next deal: payoffs, top performers and check-in drafts
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with The Helvetica Group. That introduction is what keeps every skill here free.
What this skill does
Turns the loans you already have into the next ones you make. Finds who is paying off in the coming months, ranks borrowers on how they actually performed, times the next-deal conversation to each project's stage, and drafts the check-ins — while keeping troubled loans out of any marketing.
What it does
- Builds a payoff and maturity calendar from your loan list, including triggers like a property listed for sale or a finished build
- Ranks borrowers on objective performance: on-time payments, timeline, budget, how the project ended and how responsive they were
- Routes matured, defaulted or struggling loans to servicing instead of sales
- Suggests when to raise the next deal for each loan type, and spots payoffs that move a borrower to a better leverage or pricing tier
- Lays out loyalty options with their cost, sizes the repeat business at stake, and drafts check-in messages
When to use it
- Your monthly or quarterly pipeline review
- Several loans are approaching maturity
- You are losing good borrowers to other lenders after payoff
- You want a written loyalty program for repeat borrowers
What to have ready
- Your loan list or servicing report with maturity dates and status
- Payment history for the last 12 months
- Project status and planned exit, if you have them
- Any loyalty terms you already offer
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Here's our loan tape as of [DATE]. Who's paying off in the next 120 days, who should we call about their next deal, and draft the check-ins."
What you get back
A retention plan: loans excluded from outreach and who owns them, a dated calendar with next actions, a priority list of borrowers with talking points, loyalty options with their cost, and draft check-in messages.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- Never markets to borrowers in trouble, never promises terms your written policy doesn't provide, and applies the same ranking criteria to every borrower.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Repeat Borrower Retention Planner
A private lender's cheapest next loan is to a borrower who just paid one off on time. Yet most books are worked backwards: servicing sees the payoff request, the file closes, and the borrower buys their next property with whoever called them that week. This skill works the book forward — who is paying off in the next four months, who performed well enough to earn a call, what to say and when — and keeps troubled loans out of the marketing list entirely.
Works for: lenders with a book of bridge, fix-and-flip, construction, and DSCR rental loans, run by originators, relationship managers, or servicing teams. Troubled loans are routed to extension-workout-strategy-builder or problem-loan-and-modification-analyst; payoff figures come from the servicer's formal payoff statement (payoff-demand-builder drafts one), never from a marketing email. Where maturity-pipeline-manager asks "will this loan actually pay off, and when?", this skill asks the sales question that follows: "which of these borrowers do we want back, and what do we say?" Run that one first if exit risk is unknown.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Loan tape | ✅ | Loan number, borrower / entity, guarantor, property, loan type, balance, commitment, rate, origination and maturity dates |
| Payment history | ✅ | Days-late events in the last 12 months, and any default notices |
| Loan status | ✅ | Current, matured, extended (and why), in default, payoff requested, paid off |
| Project status | Helpful | Draws funded vs. budget, inspection notes, listed for sale, under contract, certificate of occupancy |
| Exit plan on file | Helpful | Sale or refinance, and the planned date |
| Paid-off loans (last 12–24 months) | Helpful | Borrowers who left — the "lapsed" list |
| Current loyalty terms | Helpful | Anything already offered to repeat borrowers |
| Look-ahead window | Helpful | Default 120 days |
| Sender details | For drafts | [SENDER NAME], [TITLE], [PHONE] placeholders |
Minimum viable: loan number, borrower, maturity date, status, and payment history. Without payment history nobody can be ranked, and the output says so rather than ranking on balance.
Step 2 — Build the calendar
Put every loan in one bucket. A loan appears once.
| Bucket | Rule | Goes to |
|---|
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from The Helvetica Group
They publish here under a verified work email. Their other skills, and how to reach them, are on their contributor page.