How to Use AI to Build Value for Your Marketplace (And Why the Business Follows)
Luke Shankula
Most professionals have the referral equation backwards.
They spend their time asking for business. Calling contacts, sending emails, buying coffee, hoping someone will think of them when the right opportunity comes along. The entire strategy is built around asking other people to do something for you.
The professionals I work with who have the strongest referral networks all did the opposite. They stopped asking for value and started creating it. They used AI to build tools, resources, and educational content that made the people in their ecosystem more successful. And the business followed without them ever having to ask.
This isn't a networking hack. It's a fundamental shift in how you position yourself in your marketplace. And AI made it possible for one person to do what used to require a team.
Why Asking for Referrals Feels Broken
Think about the last time someone asked you for a referral. Maybe a vendor, a service provider, a colleague you barely know. They reached out, made small talk, and eventually got to the point: "If you know anyone who needs what I do, I'd love an introduction."
How did that feel? Probably a little transactional. Maybe even awkward. You might have said "sure, I'll keep you in mind" and then never thought about it again.
Now think about someone you actually do refer business to consistently. What's different about that relationship?
Chances are, that person has done something valuable for you without expecting anything in return. They shared knowledge, solved a problem, created a resource you use, or taught you something that made your work easier. The referral isn't a favor you're doing for them. It's a natural extension of a relationship where value already flows in both directions.
That's the dynamic you want to create. And AI gives you the ability to create it at scale.
The Value-First Framework
The idea is straightforward. Instead of asking your marketplace for business, you build things that make the people in your marketplace more successful. AI handles the heavy lifting of creating those things, which means a single professional can produce the kind of value that used to require a budget and a team.
Here's what this looks like in practice.
Teach What You Know
One of the professionals I work with, Cole Brantley, started teaching weekly AI classes to referral partners in his market. He shows them how to use tools like Claude and ChatGPT to create content, draft client communications, and build marketing materials. He doesn't charge for these classes. He doesn't pitch anything during them. He just shows up, teaches something useful, and lets people walk away with skills they can use that same day.
The result: his engagement increased over 500%. The people he teaches now see him as their go-to resource. When they need the service he provides, they don't shop around. They call Cole. And when someone in their network needs the same thing, they recommend Cole without him ever having to ask.
Think about what happened here. Cole took knowledge he already had about AI tools and packaged it as a free class for the people in his professional ecosystem. The total investment was his time and a Zoom account. The return was a growing network of people who actively want to send him business.
This pattern works in any industry. A financial advisor could teach small business owners how to use AI for bookkeeping. A consultant could teach clients how to use AI for project management. A coach could teach their network how to use AI for content creation. A realtor could teach their sphere how to use AI for home staging photos or neighborhood research.
The knowledge you have about AI is valuable to the people around you. Most of them haven't figured these tools out yet. Teaching them creates a relationship dynamic where you're the expert and the resource, which is a completely different position than "the person who keeps asking me for referrals."
Build Tools People Can Actually Use
Jason Kindler took a different approach. Instead of teaching classes, he built an AI tool portal for his referral partners. Custom GPTs and Google AI Studio apps that help them generate content, create client-facing resources, and draft marketing materials. He essentially gave every partner in his network a free toolkit they can use anytime.
Think about the dynamic this creates. Every time a partner uses one of Jason's tools, they're reminded of the value he brings. He's not just another contact in their phone. He's the person who gave them something that saves them hours every week. That's a fundamentally different kind of relationship.
Michael Garcia went even further by building personalized AI tools for individual partners. Each person gets something tailored to their specific needs and workflow. The personalization makes it feel like a gift, and the practical value keeps them coming back.
You don't need to build a full portal on day one. Start with one tool. Open Google AI Studio (it's free) and build a simple app that solves a specific problem for someone in your network. A content generator for their industry. A client communication drafter. A research assistant tuned to their use case.
Share it with five people. Ask them what else would be helpful. Build that next. Within a month, you'll have a small suite of tools that makes you indispensable to the people who can send you business.
Create Resources That Make Others Look Good
Tami Fisher became the go-to resource in her market by creating things her partners can use with their own clients. Guides, checklists, comparison sheets, follow-up templates - all produced with AI, all branded with both her information and her partner's information.
The co-branding detail matters more than people think. When you create a resource that has your partner's name on it alongside yours, two things happen. They're more likely to actually use it because it makes them look professional and prepared. And every person who sees that resource sees your name right next to someone they already trust.
AI makes co-branded content incredibly fast to produce. Create a template once and swap the partner's info for each person in your network. What used to take a designer a week takes you 20 minutes. That means you can create personalized, professional resources for 10 partners in a single afternoon. Ten relationships strengthened before dinner.
Why This Works Better Than Traditional Networking
Traditional networking is built on asking. You attend events, exchange cards, schedule follow-up coffee, and hope something comes of it. The entire model depends on other people remembering you and choosing to help.
The value-first approach is built on giving. You create something useful, share it freely, and let the relationship develop from a place of genuine appreciation rather than obligation.
There's a practical reason this works too. When you ask someone for a referral, you're one of dozens making the same request. You blend into the noise. When you show up and say "I built something that will help your business, and it's free," you stand out immediately. Because almost nobody does that.
Every professional in every industry is asking for referrals. The number of people using AI to build tools and resources for their network is close to zero. That gap between what everyone does and what almost nobody does is where the opportunity lives.
The Compounding Effect Nobody Sees Coming
Here's the part that makes the upfront effort worth it.
When you teach one class, the people who attend tell others. When you build one tool for one partner, they show it to their colleagues. When you create one co-branded resource, the partner uses it with every client for the next six months.
Each thing you create ripples outward. And because you used AI to build it, the time investment was a fraction of what it would have taken manually.
Cole didn't become the AI expert in his market overnight. He taught one class, then another, then another. Three months in, people he'd never spoken to were reaching out to ask if they could attend. Six months in, he had a network of partners who exclusively work with him.
The early weeks feel slow. You're teaching classes to five people and wondering if it's worth it. You're sharing tools with partners who haven't sent you a deal yet. You're creating resources that nobody seems to notice.
Then around month three, something shifts. People start mentioning your name in conversations you're not part of. Partners start introducing you to their contacts. Opportunities show up that you didn't chase.
That's the compounding effect. It doesn't show up on a spreadsheet for the first 90 days. Then it shows up everywhere.
The Mindset That Makes This Work
There's one thing that separates the people who succeed with this from the ones who try it once and quit.
The ones who succeed stopped keeping score in the short term.
They didn't teach a class and count referrals the next week. They didn't build a tool and expect deals the next day. They understood that they were investing in relationships, and relationships don't operate on a transactional timeline.
If you go into this thinking "I'll try it for a month and see what happens," you'll quit before the compounding kicks in. If you go into this thinking "I'm going to become the most valuable person in my professional network, and the business will follow," you'll build something that pays off for years.
The irony is that the people who stop obsessing over getting referrals are the ones who end up getting the most referrals. People can feel the difference between someone who genuinely wants to help and someone who's running a play to get something in return. The first one builds loyalty. The second one builds resentment.
How to Start This Week
You don't need to build a full tool portal or launch a class series to begin. Start with one thing.
Pick one person in your network who you'd love to get referrals from. Think about what problem AI could help them solve. Then build it. A custom GPT that handles something tedious for them. A guide they can share with their clients. A 15-minute walkthrough of an AI tool that would save them time.
Give it to them with zero strings attached. Don't mention referrals. Don't ask for anything. Just say "I made this for you because I thought it would help."
Then do it again next week for someone else.
Within a month, you'll have five people in your network who see you completely differently than they did before. Within three months, you won't need to ask for referrals anymore. They'll come to you.
I coach professionals on how to use AI to grow their business at Direct Authority AI. If you want to see how the value-first approach works in a community of 200+ professionals who are implementing it every week, come check it out.
Frequently Asked Questions
Does this work in industries outside of mortgage and real estate?
The principle works anywhere that referral relationships matter. Coaches, consultants, financial advisors, realtors, attorneys, CPAs, insurance agents - any professional whose business depends on other people recommending them. The specific tools and resources you build will be different, but the framework of using AI to create value for your referral network applies universally.
How much time does it take to build AI tools for partners?
A simple custom GPT or Google AI Studio app takes about 30 minutes to build. A co-branded guide or resource takes about an hour including the template setup. Once you have templates in place, creating versions for additional partners takes about 20 minutes each. The time investment is small compared to the hours most people spend on networking that doesn't convert.
What if I don't know much about AI myself?
You know more than you think. If you've used ChatGPT or Claude even a few times, you already know more than most people in your network. You don't need to be an expert to teach the basics. And the act of building tools for others actually accelerates your own learning because you're solving real problems instead of just experimenting.
Should I charge for the tools and classes I create?
No. The value you give away for free is what creates the relationship. The ROI comes from the business people send you, which is worth far more than whatever you could charge for a class or a tool. Keeping it free also removes friction - people are much more likely to try something and tell others about it when there's no cost attached.
How do I know what to build for someone?
Ask them. "What's the most tedious part of your week?" or "What do you wish you could automate?" gives you everything you need. Most people will tell you exactly what they need help with if you genuinely ask. Then build the thing that solves that specific problem. The more specific it is to their situation, the more valuable it feels.
What if someone copies this strategy in my market?
The person who started first and showed up consistently has an enormous head start. Relationships built over months of genuine value creation aren't easily replicated by someone who shows up later doing the same thing. Your network already trusts you, relies on you, and associates you with the value you've provided. A copycat has to start that trust from scratch.
Written by
Luke Shankula
Luke Shankula is the founder and CEO of Direct Authority AI, a comprehensive AI-powered platform and coaching community helping mortgage professionals build scalable, agent-independent businesses through AI automation and direct-to-consumer marketing. Based in San Diego, Luke leads a community of 175+ loan officers who are leveraging AI for competitive advantage. He created Duplico, Direct Authority AI's flagship software featuring 50+ AI marketing tools that generate authentic, on-brand content across multiple platforms - from social media and email sequences to video scripts and webinar presentations. Luke has become a sought-after speaker on AI implementation in mortgage, presenting at major industry events including MortgageCon, AIME Fuse, IMN Mortgage AI Conference, and the HMA Sales Rally. His monthly AI Summit attracts 600+ registrants, making it one of the mortgage industry's premier AI education events. His work has been featured in National Mortgage News, NBC, Yahoo Finance, Mortgage Marketing Animals podcast, and The Loan Officer Podcast. Above all, Luke is a husband, father of four, and passionate entrepreneur focused on helping mortgage professionals build businesses they're proud of while staying ahead of technological change in their industry.
Want more insights like this?
I share AI strategies, mortgage marketing tips, and business lessons regularly.