TheGuarantors
TheGuarantors is a New York fintech providing AI-powered lease guarantees and renters insurance to U.S. rental property owners, operators, and renters. Its proprietary underwriting platform processes applications in under 10 seconds and serves 9 of 10 top U.S. multifamily operators.
- Company typePrivate
- Founded2015
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What TheGuarantors does
TheGuarantors is a New York-based fintech founded in 2015 that provides AI-powered risk and financial solutions for the U.S. rental real estate ecosystem. The company operates two principal product lines: a Lease Guarantee product that substitutes as a renter's guarantor for applicants who fail traditional screening (covering defaults, damages, vacancy, and no-shows for up to the full lease term), and a Zero-Gap Renters Insurance offering that automates continuous HO-4 coverage monitoring and gap-fill. Underlying both is a proprietary AI underwriting platform trained on more than 500 million data points and ten years of proprietary loss data, delivering approval decisions in 9.6 seconds. The platform integrates Equifax (FICO 9, VantageScore), Plaid for income and cash flow data, and Nova Credit for cross-border income verification.
The company monetizes primarily through non-refundable upfront premiums paid by renters for Lease Guarantee coverage, priced at approximately one month's rent on average, with optional Security Deposit Alternative add-ons. Secondary revenue comes from referral fees on HO-4 policies placed through Millennial Specialty Insurance. Go-to-market is hybrid: a self-serve renter application portal at theguarantors.com complemented by direct enterprise sales targeting multifamily operators (9 of 10 top U.S. operators work with the company), plus a broker portal spanning 49 states. Customer segments include renters, multifamily owners and operators, single-family rental operators, student housing operators, independent landlords, and real estate brokers.
As of March 2026, TheGuarantors had enrolled more than 3.5 million rental units and protected over $6 billion in lease value cumulatively since launch. The company is licensed as an insurance agent and broker in all 50 U.S. states plus D.C., with lease guarantee capacity sourced from a panel of 12 A-rated insurers and reinsurers including Hanover, Arch Insurance, and Everspan. The company has raised over $110 million across equity and debt rounds since 2015 and announced a majority investment from Warburg Pincus in March 2026 (expected to close Q2 2026) to fund platform scaling, AI underwriting expansion, and deeper operator partnerships. Operations are based at a 27,000 sq. ft. headquarters at One World Trade Center with 101-250 employees.
TheGuarantors firmographics
Firmographics- Name
- TheGuarantors
- Legal name
- GuarantR, Inc.
- Website
- https://theguarantors.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- TheGuarantors is a New York fintech providing AI-powered lease guarantees and renters insurance to U.S. rental property owners, operators, and renters. Its proprietary underwriting platform processes applications in under 10 seconds and serves 9 of 10 top U.S. multifamily operators.
- Ownership category
- akta.pro rank
TheGuarantors industry classification
Industry- Product category
- Rental Risk Insurance
- NAICS
- Lessors of Real Estate (5311), Rental and Leasing Services (532)
- SIC
- Finance Lessors (6172), Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Renters Insurance (FSAJACAB)
Keywords
Where TheGuarantors is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
TheGuarantors business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Lease Guarantee Premiums: Renters pay an upfront, non-refundable premium for Lease Guarantee coverage. The premium provides Rent Coverage (protecting landlords against defaults) and optional Deposit Coverage (security deposit alternative). Pricing is personalized based on monthly rent, applicant's financial profile, and coverage amount required. On average, policies cost approximately one month's rent. The premium is a one-time fee per lease term, though coverage must be renewed annually if the landlord wants to continue the guarantee beyond the first term.
- Zero-Gap Renters Insurance: Referral fees from insurance carriers for placing HO-4 renters insurance policies through Millennial Specialty Insurance partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Personalized Lease Guarantee pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
TheGuarantors product offering
Product offeringCore offering
TheGuarantors is a fintech-insurtech company that sells AI-powered lease guarantee products (Rent Coverage and optional Deposit Coverage / Security Deposit Alternative) and Zero-Gap Renters Insurance to the U.S. rental housing ecosystem. Renters apply online in roughly 3 minutes and receive a 9.6-second approval decision; in exchange they pay a one-time, non-refundable premium averaging about one month's rent, while multifamily property operators, single-family rental owners, student housing operators, and independent landlords receive protection against defaults, damages, vacancy, and no-shows across 4M+ enrolled units.
Product overview
Theguarantors offers a platform of rental insurance and financial solutions centered on two main products: the Lease Guarantee (core product) and Zero-Gap Renters Insurance (add-on). The Lease Guarantee provides AI-powered underwriting that helps renters qualify for homes while protecting landlords against defaults, damages, vacancy, and no-shows through Rent Coverage and optional Security Deposit Alternative (SDA). Zero-Gap Renters Insurance complements the platform by monitoring and auto-filling coverage gaps 24/7. Additional offerings include the Student Housing Waiver for full-building coverage and Deposit Coverage as a security deposit alternative. The platform serves multifamily, single-family rentals, student housing, and independent landlords across 49 states.
Differentiator
Problem solved
Functional benefit
Products and services
- Lease Guarantee
Quantifiable outcome
- Reduce bad debt by up to 70%
- +5 more outcomes
Companies that use TheGuarantors
Customer profileNamed customers11 records
Segments6 records
Ideal customer profiles5 records
TheGuarantors technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability3 records
Feature4 records
TheGuarantors partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- BoomminorPreferred partner for rent reporting, enabling renters to report payments to all credit bureaus to improve on-time payments and credit scores.
- The Hanover Insurance CompanycorePrimary insurance carrier backing TheGuarantors lease guarantee and security deposit replacement bonds. One of multiple A-rated carriers providing reinsurance capacity.
- Arch Insurance CompanycoreInsurance carrier providing capacity for TheGuarantors lease guarantee products through reinsurance arrangements.
- Millennial Specialty InsuranceminorReferral partner for HO-4 renters insurance policies and operator-placed insurance. Policies facilitated through and underwritten by Millennial Specialty Insurance carrier partners.
- KikoffminorPartnership to help renters build credit by integrating financial wellness tools with the rental experience.
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
TheGuarantors competitors and assessment
Company assessmentDirect peers
- Rhino: Rhino is a direct competitor offering security deposit insurance and lease guarantee products to renters and multifamily operators. Both companies compete head-to-head in replacing traditional deposits/guarantors with insurance-backed solutions.
- Jetty: Jetty provides deposit alternatives, renters insurance, and lease guarantee products to renters and property managers. Overlaps directly with TheGuarantors' core lease guarantee and renters insurance offerings.
Broad incumbents
- Lemonade: Lemonade is a major insurtech offering renters insurance among other lines. While broader in scope, Lemonade competes in the renters insurance space and has the brand and scale to pressure TheGuarantors' Zero-Gap product.
- Assurant: Assurant is a large insurance provider offering renters insurance, specialty property products, and lifestyle protection products. Competes with TheGuarantors' insurance offerings, especially in multifamily partnerships.
Emerging players
- Snappt: Snappt provides AI-powered application fraud detection for residential property managers. Adjacent to TheGuarantors' risk and underwriting stack and often used alongside it to combat renter fraud.
- Playscore (Yardi/RealPage Screening): Built-in tenant screening and risk tools within property management platforms (Yardi, RealPage). Represents an embedded competitor for screening/underwriting workflows TheGuarantors integrates with.
- Sure (InsurTech Platform): Sure provides insurance infrastructure and embedded insurance APIs. Could enable carriers to white-label or build competing lease guarantee products that challenge TheGuarantors.
- Cover Genius: Cover Genius offers embedded insurance distribution technology. While broader, it could enable new entrants or existing carriers to bundle lease guarantee-style products faster.
Others
- Steady (Income Verification): Steady offers income and employment verification used in renter screening. Acts as a complementary/alternative data source in the underwriting process TheGuarantors operates in.
- Nova Credit: Nova Credit translates international credit data for use in U.S. underwriting. TheGuarantors already integrates with Nova Credit, but it could also power competing rental risk platforms.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
TheGuarantors social profiles
Digital presenceTheGuarantors compliance and trust
Trust signalCompliance1 record
TheGuarantors financial estimates
Financial estimateRevenue estimate
Valuation estimate
TheGuarantors leadership team
Management profileNumber of profiles
Profiles12 records
TheGuarantors funding detail
Funding detailFunding overview
Funding rounds5 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TheGuarantors M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TheGuarantors
What does TheGuarantors do?
TheGuarantors is a fintech-insurtech company that sells AI-powered lease guarantee products (Rent Coverage and optional Deposit Coverage / Security Deposit Alternative) and Zero-Gap Renters Insurance to the U.S. rental housing ecosystem. Renters apply online in roughly 3 minutes and receive a 9.6-second approval decision; in exchange they pay a one-time, non-refundable premium averaging about one month's rent, while multifamily property operators, single-family rental owners, student housing operators, and independent landlords receive protection against defaults, damages, vacancy, and no-shows across 4M+ enrolled units.
Is TheGuarantors a public or private company?
TheGuarantors is a private company. It is classified as private equity controlled and is currently operating.
When was TheGuarantors founded?
TheGuarantors was founded in 2015. It employs 101 to 250 people.
Where is TheGuarantors based?
TheGuarantors is headquartered in New York, United States, in the North America region.
How does TheGuarantors make money?
Two revenue lines are on record. Lease Guarantee Premiums are the primary driver. The others are zero-Gap Renters Insurance.
Who are TheGuarantors's main competitors?
Direct peers on record are Rhino and Jetty. Broad incumbents are Lemonade and Assurant. Emerging players are Snappt, Playscore (Yardi/RealPage Screening), Sure (InsurTech Platform) and Cover Genius. Others are Steady (Income Verification) and Nova Credit.
Does TheGuarantors have an API?
Yes. TheGuarantors offers an API for developer integration. The website navigation includes an API link at /api, indicating availability for partners or developers to integrate with TheGuarantors platform. No additional technical details (REST/GraphQL, authentication, rate limits, versioning, sandbox) are specified in the available source material. Developer documentation is at www.theguarantors.com/api.
What industry is TheGuarantors in?
TheGuarantors's product category is Rental Risk Insurance. Its primary akta.pro industry code is FSAJACAB, Renters Insurance. Its NAICS code is 5311 and its SIC code is 6172.