Esusu
- Company typePrivate
- Founded2018
- HeadquartersNew York, United States
- Headcount101–250
- GTM type—
- OfferingSoftware
Esusu firmographics
Firmographics- Name
- Esusu
- Legal name
- Esusu, Inc.
- Website
- https://esusurent.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Esusu industry classification
Industry- Product category
- Financial Technology / Rent Reporting Platform
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)
- akta.pro primary industry
- ESG Data, Ratings & Climate Benchmarks (FSAFAIAI)
- akta.pro secondary industries
- ESG Governance, Sustainability Reporting & Assurance Advisory (BPAHAFAJ), Sustainable Finance & ESG Ratings/Benchmarking Support (EUAHAJAH)
Keywords
Where Esusu is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Esusu business model
Business model- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription - Property Owners/Landlords: Property owners and landlords subscribe to Esusu's rent reporting services. Some landlords offer the service free to residents while others may charge fees up to $10/month per Maryland HB 315 regulations.
- Subscription - Renters: Individual renters can subscribe to Esusu's credit building services through mobile apps. Subscription tiers include Plus and Premium options that provide access to Esusu Pay and other features.
- Esusu Pay (BNPL): Through partnership with Affirm, Esusu facilitates rent payment installments. The company earns referral or transaction fees from these financial products. Additional service Esusu Split Pay powered by Stable Home Fund.
- Marketplace Commissions: Esusu's marketplace connects residents to trusted financial products and services, earning commissions from partner products including financial coaching, rent relief, and other services.
- Identity Services: Income verification, identity verification, and SSN verification services for property management companies and landlords to prevent fraud in leasing.
- Enterprise Analytics: Dashboard and enterprise marketplace providing real-time data, portfolio analytics, and benchmarking services to property owners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Zillow CreditClimb - $20/year |
| Subscription | Monthly | Esusu App Subscription - $35-50/month |
| Subscription | Monthly | Property Owner Rent Reporting - Free or fee-based |
| Freemium | Annual | Fannie Mae Pilot - First year free |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
Esusu product offering
Product offeringCore offering
Esusu is a financial technology platform that reports on-time rental payments to the three major U.S. credit bureaus (Equifax, Experian, TransUnion) so renters can build credit history. Beyond core rent reporting, it offers an identity and fraud prevention suite (income, identity, and SSN verification), flexible rent payment solutions (Affirm BNPL and Split Pay), resident financial wellness tools (Toolkit, Marketplace, Financial Coaching, Rent Relief), and enterprise analytics dashboards for property owners and managers.
Product overview
Esusu is an economic mobility platform offering a portfolio of financial products and services focused on helping renters build credit, access financial opportunities, and achieve homeownership. The platform operates as a modular ecosystem comprising four main service areas: Credit Building (Rent Reporting and Credit Hub), Financial Health (Toolkit, Marketplace, Financial Coaching, Rent Relief), Rent Payments (Affirm BNPL integration and Esusu Split Pay), Identity & Fraud Prevention (Income Verification, Identity Verification, SSN Verification, Esusu Passport), and Analytics (Dashboard, Enterprise Marketplace). The core Rent Reporting product connects to credit bureaus (Equifax, Experian, TransUnion) to report on-time rental payments, while the Esusu Identity Services suite (acquired through Celeri) provides fraud prevention tools for property managers. The platform also integrates with property management systems like ResMan and offers its services through partners including Zillow, Affirm, and Pentadata.
Differentiator
Problem solved
Functional benefit
Brands
- CreditClimb: A rent reporting tool that enables renters to have their on-time rent payments reported to credit bureaus for $20 annually, offered through Zillow partnership.
- Esusu Pay
- Esusu Identity Services
- Esusu Credit Hub
- Esusu Analytics
Products and services
- Rent Reporting Core service that reports on-time rent payments to the three major U.S. credit bureaus (Equifax, Experian, TransUnion), enabling renters to build credit history and qualify for mortgages; available through property owners or directly via Zillow CreditClimb for $20/year.
- Credit Hub Resident-facing dashboard that lets renters monitor credit scores, track credit-building progress over time, and access related credit tools.
- Toolkit Financial resource library providing residents with tools and educational content to reduce financial strain and improve financial literacy.
- Marketplace Connects residents to trusted third-party financial products and services offered by partner providers, generating marketplace commissions for Esusu.
- Financial Coaching Personalized one-on-one financial guidance services for residents to improve money management, credit, and debt reduction habits, delivered in partnership with Operation HOPE and other providers.
- Rent Relief Support program that helps residents experiencing financial hardship avoid displacement through rent relief and related assistance resources.
- Affirm Rent BNPL Buy-now-pay-later integration within Esusu Pay that allows eligible renters to split monthly rent into two 0% interest biweekly installments, underwritten by Affirm.
- Esusu Split Pay Flexible rent payment option powered by Stable Home Fund that lets residents pay rent over time through installment loans.
- Income Verification Verifies pay stubs, bank statements, and other income documents in real time to detect edited or falsified documents during the rental application process.
- Identity Verification Real-time detection of fake and stolen government-issued IDs using document authentication, database checks, and biometric comparisons.
- SSN Verification Detects synthetic identities and CPN-related fraud risks that may not be caught by standard credit checks during tenant screening.
- Esusu Passport Allows residents to share verified rent payment records securely with property managers and other authorized parties.
- Analytics Dashboard Real-time analytics dashboard for property owners and managers tracking rent payments, resident credit outcomes, and portfolio health, with benchmarking against partners such as LeaseLock and Lafayette x Potomac.
- Enterprise Marketplace Connects property owners with vetted vendors at discounted rates through Esusu's enterprise platform.
Quantifiable outcome
- Average 53-point credit score increase for active renters using the platform
- +6 more outcomes
Companies that use Esusu
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Esusu technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability8 records
Feature8 records
Esusu partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- ResMancoreIntegration of Esusu Identity Services into ResMan's property management system. Enables leasing teams to verify income documents, confirm identity, and detect SSN-related fraud directly within their existing property management workflow.
- PentadatacoreStrategic partnership to integrate Esusu's verified rental payment data into Pentadata's unified financial data infrastructure. The combined API allows lenders, banks, and fintechs to access rental, banking, and credit data through a single endpoint for more accurate risk assessment.
- AffirmcoreAffirm partnered with Esusu to offer buy-now-pay-later services for rent payments. The pilot program allows eligible renters to split monthly rent into two interest-free biweekly installments. Esusu provides the rental data platform while Affirm handles underwriting and financing.
- ZillowcoreZillow launched CreditClimb powered by Esusu, allowing renters to report rent payments to credit bureaus for $20/year. The service has helped over 147,000 renters improve their credit. Esusu's API powers this consumer-facing credit-building tool on Zillow's platform.
- GravyminorPartnership with Gravy allows renters to earn 5% back on rent payments and redeem rewards toward future home purchases. Supports Esusu's homeownership mission.
- NestmentminorNestment offers first-time buyer coaching and education integrated with Esusu's platform, helping renters prepare for homeownership through one-on-one guidance.
- Fannie MaecoreEsusu joined Fannie Mae's Positive Rent Payment Pilot to bring rent reporting to millions of renters nationwide. Fannie Mae covers the first full year of service fees for Esusu's rent reporting. This collaboration aims to improve financial opportunities for renters in marginalized communities.
- Operation HOPEminorEsusu partners with Operation HOPE to provide financial coaching, workshops on money management, credit improvement, debt reduction, and homeownership preparation.
- Fannie Mae HomeViewminorFannie Mae HomeView offers free homebuyer education courses (in English and Spanish) integrated with Esusu's platform to help renters understand the homebuying process.
Scale indicators10 records
Recent moves9 records
Expansion highlights6 records
Esusu competitors and assessment
Company assessmentDirect peers
- Self Financial: Self Financial is a direct competitor offering rent and bill reporting to credit bureaus along with credit-builder loans. Closely comparable to Esusu's core rent reporting and credit-building proposition for credit-invisible consumers.
- Rental Kharma: Rental Kharma is a rent reporting service that reports on-time rent payments to all three major credit bureaus. Directly overlaps Esusu's primary product category and shares the same renter and landlord target customers.
- LevelCredit: LevelCredit reports rent payments to credit bureaus on behalf of renters and partners with property managers. Competes head-to-head with Esusu in the core rent reporting category with similar landlord-channel GTM.
- Nova Credit: Nova Credit is a consumer-permissioned credit data platform that translates alternative data (including rental history) into creditworthiness insights for lenders. Comparable to Esusu's Pentadata mortgage underwriting and rental data monetization strategy.
Broad incumbents
- Experian Boost: Experian Boost is a free credit bureau service that incorporates rent, utility, and telecom payments into consumer credit scores. Represents the most credible incumbent threat to Esusu's rent reporting value proposition because Experian owns the data destination.
- FICO: FICO is the dominant credit scoring incumbent whose models and analytics increasingly incorporate alternative data such as rental payment history. Relevant to Esusu because any shift in FICO scoring methodology directly impacts Esusu's underwriting and credit-building value.
- Affirm: Affirm is a major BNPL provider and Esusu's partner for rent installments via Esusu Pay. Comparable as a BNPL distribution and underwriting layer for rent, and a potential competitor if Affirm extends rent financing independently.
Others
- Plaid: Plaid is a financial data infrastructure platform that connects bank accounts to apps. Adjacent to Esusu through the Pentadata open banking integration and provides a comparable API distribution model for alternative credit data.
- Yardi: Yardi is a leading property management software platform that already absorbed RentTrack (a former Esusu competitor). Relevant ecosystem peer because Yardi controls the property management system layer where Esusu's identity and rent reporting integrations live.
Emerging players
- Persona: Persona is an identity verification platform serving fintech and property management customers. Directly comparable to Esusu's Identity Services business line built around the Celeri acquisition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Esusu social profiles
Digital presenceEsusu compliance and trust
Trust signalCompliance2 records
Esusu financial estimates
Financial estimateRevenue estimate
Valuation estimate
Esusu leadership team
Management profileNumber of profiles
Profiles3 records
Esusu subsidiaries and ownership
Company hierarchySubsidiaries1 record
Esusu funding detail
Funding detailFunding overview
Funding rounds7 records
Investors30 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Esusu M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Esusu
What does Esusu do?
Esusu is a financial technology platform that reports on-time rental payments to the three major U.S. credit bureaus (Equifax, Experian, TransUnion) so renters can build credit history. Beyond core rent reporting, it offers an identity and fraud prevention suite (income, identity, and SSN verification), flexible rent payment solutions (Affirm BNPL and Split Pay), resident financial wellness tools (Toolkit, Marketplace, Financial Coaching, Rent Relief), and enterprise analytics dashboards for property owners and managers.
Is Esusu a public or private company?
Esusu is a private company. It is classified as venture growth investor backed and is currently operating.
When was Esusu founded?
Esusu was founded in 2018. It employs 101 to 250 people.
Where is Esusu based?
Esusu is headquartered in New York, United States, in the North America region.
How does Esusu make money?
Six revenue lines are on record. Subscription - Property Owners/Landlords are the primary driver. The others are subscription - Renters, esusu Pay (BNPL), marketplace Commissions, identity Services and enterprise Analytics.
Who are Esusu's main competitors?
Direct peers on record are Self Financial, Rental Kharma, LevelCredit and Nova Credit. Broad incumbents are Experian Boost, FICO and Affirm. Others are Plaid and Yardi. Persona is listed as an emerging player.
Does Esusu have an API?
Yes. Esusu offers API integrations for rent reporting services that connect property management systems and financial platforms. The platform utilizes APIs for bank account connections through third-party processors, integrating with credit bureaus (Equifax, Experian, TransUnion) for rent payment reporting. A partnership with Pentadata integrates verified rental payment data with open banking data through a unified API for lenders, banks, and fintechs. The platform also supports API-based integrations with property management systems like ResMan and Zillow for credit-building tools. Esusu reports rental payment data to credit bureaus via its API infrastructure.
What industry is Esusu in?
Esusu's product category is Financial Technology / Rent Reporting Platform. Its primary akta.pro industry code is FSAFAIAI, ESG Data, Ratings & Climate Benchmarks, with a secondary code of BPAHAFAJ, ESG Governance, Sustainability Reporting & Assurance Advisory. Its SIC code is 7320.