GarantMe
GarantMe is a French PropTech/InsurTech company that issues digital rent guarantee certificates to tenants lacking traditional guarantors and distributes unpaid rent insurance via its Console SaaS platform to a network of 4,000+ partner real estate agencies across France.
- Company typePrivate
- Founded2017
- HeadquartersParis, France
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What GarantMe does
GarantMe is a French PropTech and InsurTech company founded in 2017 and headquartered in Paris, specializing in rent guarantee products that enable tenants without traditional personal guarantors to access the French rental market. The company issues digital guarantor certificates to tenants covering up to €90,000 in rent and charges over a maximum 9-year lease duration, with indemnification to landlords within 5 business days of a declared unpaid-rent incident. Its underwriting is performed by partner insurers including Seyna and, more recently, reinsured via a strategic partnership with CNP Caution announced in October 2024. GarantMe is registered as an insurance broker with ORIAS (registration 17006810) under the French Insurance Code, and the company is a member of FNAIM Lab.
The company's technology stack centers on the Console Garantme, a cloud-based SaaS platform hosted on AWS in the EU that combines KYC document authentication, tenant scoring (with a 40% maximum effort ratio), and a unified workspace for partner real estate agencies to manage tenant dossiers, distribute both the Caution Garantme and GLI (unpaid rent insurance) products, and process claims. The Console integrates CRM functionality (acquired via the March 2023 Citima acquisition), appointment scheduling, Gmail synchronization through Nylas, and the Garantme Search marketplace that broadcasts listings to 70,000+ certified tenants. Distribution is multi-channel: direct digital self-serve via app.garantme.fr, a network of 4,000+ partner real estate agencies across 150 French cities, student housing platform partnerships, and content-led demand generation (blog, podcast, webinars).
The business model is primarily transaction- and subscription-based, with tenants paying a fee of 4.5% of annual rent (charges included) at the time of lease signing, renewed annually for the duration of the lease. Pricing for colocation is degressive per additional tenant. Landlords and agencies receive the guarantee at no direct cost, creating a tenant-paid monetization model. Revenue is generated from the recurring caution fees on active leases, while growth is driven by partner agency onboarding, tenant acquisition through SEO and content, and acquisitions of complementary real estate software (Citima, Loumi). The company reported approximately €9M in revenue for fiscal year 2022 and has since raised a €15M Series B (January 2023) to scale the partner network and technology platform.
GarantMe firmographics
Firmographics- Name
- GarantMe
- Legal name
- Garantme, société par actions simplifiée
- Website
- https://garantme.fr
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- GarantMe is a French PropTech/InsurTech company that issues digital rent guarantee certificates to tenants lacking traditional guarantors and distributes unpaid rent insurance via its Console SaaS platform to a network of 4,000+ partner real estate agencies across France.
- Ownership category
- akta.pro rank
GarantMe industry classification
Industry- Product category
- Rental Guarantee Insurance
- NAICS
- Residential Property Managers (531311), Rental and Leasing Services (532)
- SIC
- Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Residential Lease Administration & Tenant Services (BPAJAFAL)
- akta.pro secondary industry
- Escrow Services (BPAJAOAD)
Keywords
Where GarantMe is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
GarantMe business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Caution Garantme Annual Fee: Tenants pay an annual fee for the caution guarantee, calculated at 4.5% of the annual rent (including charges). Payment is made at the time of lease signing and renewed annually for the duration of the lease. For a €1,000/month apartment, the annual cost is €540 (€45/month equivalent). The fee is paid by the tenant only once they have signed their lease.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Caution Garantme - Standard (per tenant, per lease) |
| Unit Pricing | Annual | Caution Garantme - Colocation (degressive per tenant) |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels7 records
GarantMe product offering
Product offeringCore offering
GarantMe operates as a digital guarantor for French renters who lack a traditional personal guarantor, issuing certified guarantee certificates (Caution Garantme) within 24 hours that cover up to €90,000 in rent over 9 years. The company also underwrites Unpaid Rent Insurance (GLI) that indemnifies landlords from the first euro with no deductible or waiting period, and provides the Console Garantme SaaS platform for real estate agencies to manage tenant dossiers, CRM, insurance distribution, and claims processing.
Product overview
GarantMe operates as a PropTech/InsurTech platform offering rental guarantee and insurance solutions. The core offering consists of Caution Garantme (rental surety/guarantee) and Garantie Loyer Impayé (GLI, unpaid rent insurance), which are supported by a SaaS platform called Console Garantme. The Console provides agencies with tools for dossier management, CRM, claims handling, calendar scheduling, and access to GarantMe Search to connect with 70,000+ certified tenants. Additional modules include eligibility certificates, digital document processing, and yield calculators. The platform serves three main segments: tenants seeking guarantors, real estate agencies managing rental portfolios, and property owners seeking rent protection.
Differentiator
Problem solved
Functional benefit
Brands
- Caution Garantme: The company's flagship rental guarantee product that acts as surety for tenants without physical guarantors, covering up to €90,000 for unpaid rent over 9 years.
- Garantie Loyer Impayé (GLI)
- Console Garantme
- GarantMe Search
Products and services
- Caution Garantme Rental surety product where GarantMe acts as guarantor for tenants who lack a personal guarantor. The company certifies rental dossiers within 24 hours (or 8 hours per agency page), issuing a digital certificate covering up to €90,000 in rent and charges over 9 years. Tenants pay an annual fee equal to 4.5% of annual rent (e.g., €540/year for a €1,000/month apartment). No signature is required from the landlord or agent to activate the guarantee.
- Garantie Loyer Impayé (GLI) Unpaid rent insurance for landlords that guarantees property owners receive their rent on fixed dates with indemnification from the first euro, no deductible, and no waiting period. Coverage extends up to €90,000 for standard tenants and €36,000 for students, and includes legal procedure costs. Indemnification is processed within 5 business days of a declared incident.
- Console Garantme All-in-one SaaS platform for real estate agencies to manage tenant dossiers, distribute insurance products (Caution + GLI), handle CRM and lead pipelines, schedule appointments, and process claims. Includes Gmail synchronization via Nylas and access to GarantMe Search for publishing listings to 70,000+ certified tenants. Used by 4,000+ partner agencies across France.
Quantifiable outcome
- 20% reduction in administrative time for agency teams
- +4 more outcomes
Companies that use GarantMe
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
GarantMe technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability1 record
Feature5 records
GarantMe partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- CNP CautioncoreCNP Caution and GarantMe formed a strategic partnership in October 2024 to simplify rental procedures and strengthen protection for landlords. CNP Caution, as a major player in the French insurance market, provides reinsurance backing for GarantMe's guarantee products, enhancing product credibility and distribution reach.
- CitimacoreGarantMe acquired Citima in March 2023. Citima focused on customer relationship management solutions for real estate agencies. The acquisition followed a recent funding round and a prior acquisition of Loumi, and was part of GarantMe's strategy to expand its partner network and consolidate the market.
- SeynacoreSeyna is the primary insurance company underwriting GarantMe's Caution Garantme product. As noted on the agency page, 'our guarantee is delivered by the most solid insurance companies, leaders in real estate, such as Seyna.' Seyna provides the insurance backbone enabling GarantMe to offer guarantees up to €90,000.
- LoumiminorGarantMe previously acquired Loumi (prior to the Citima acquisition in March 2023) as part of its consolidation strategy in the French rent guarantee market.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
GarantMe competitors and assessment
Company assessmentDirect peers
- Unkle: French PropTech offering rent guarantee services primarily to professionals, freelancers and corporate tenants. Competes with GarantMe in the residential caution space with a focus on mobility and atypical profiles.
- Visale (Action Logement): Government-backed free rent guarantee covering students, young workers, and employees on mobility in France. Directly competes with GarantMe's paid Caution product for the same tenant use case (replacing a personal guarantor), but is offered free of charge by Action Logement.
- Cautioneo: French PropTech offering online rent guarantee products similar to GarantMe's Caution, targeting tenants without a traditional personal guarantor. Competes head-to-head in the French digital caution category with similar pricing models and tenant onboarding flows.
- SmartGarant: French online rent guarantee provider positioned as a digital alternative to a physical guarantor for residential leases. Directly competes with GarantMe on tenant onboarding speed and pricing for the same target segments (students, young professionals, expatriates).
Others
- Seyna: French insurance-as-a-service platform that acts as the primary underwriter of GarantMe's Caution product. Comparable as an enabling insurance partner providing embedded insurance infrastructure, though Seyna itself is a capacity provider rather than a competing caution brand.
Broad incumbents
- CNP Assurances / CNP Caution: Large incumbent French caution provider that in October 2024 formed a strategic partnership with GarantMe. Competes with GarantMe in the broader French caution market while simultaneously serving as reinsurance backing, making it both a competitor and an enabler.
- Allianz France: Major French insurer offering GLI (unpaid rent insurance) and traditional caution products through agency and broker channels. Competes with GarantMe on landlord-facing GLI while serving a much broader insurance portfolio.
- AXA France: Large incumbent French insurer offering GLI products and personal guarantor alternatives (e.g., AXa Garantie Loyer). Competes with GarantMe's GLI product through established broker distribution and brand recognition.
Emerging players
- Luko (acquired by Allianz): French insurtech that expanded from home insurance into adjacent protection products before being acquired by Allianz. Comparable as a digitally-native French insurance brand targeting consumers with embedded, simplified products; provides a peer template for insurtech consolidation paths.
- Lemonade: US-listed insurtech using AI-driven underwriting and a digital-first model to offer consumer insurance products. Comparable as a digitally-native insurance brand applying behavioral and data-driven underwriting, though operating in different geographies and product lines.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
GarantMe social profiles
Digital presenceGarantMe compliance and trust
Trust signalCompliance2 records
GarantMe financial estimates
Financial estimateRevenue estimate
Valuation estimate
GarantMe leadership team
Management profileNumber of profiles
Profiles3 records
GarantMe subsidiaries and ownership
Company hierarchySubsidiaries2 records
GarantMe funding detail
Funding detailFunding overview
Funding rounds3 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GarantMe M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GarantMe
What does GarantMe do?
GarantMe operates as a digital guarantor for French renters who lack a traditional personal guarantor, issuing certified guarantee certificates (Caution Garantme) within 24 hours that cover up to €90,000 in rent over 9 years. The company also underwrites Unpaid Rent Insurance (GLI) that indemnifies landlords from the first euro with no deductible or waiting period, and provides the Console Garantme SaaS platform for real estate agencies to manage tenant dossiers, CRM, insurance distribution, and claims processing.
Is GarantMe a public or private company?
GarantMe is a private company. It is classified as venture growth investor backed and is currently operating.
When was GarantMe founded?
GarantMe was founded in 2017. It employs 51 to 100 people.
Where is GarantMe based?
GarantMe is headquartered in Paris, France, in the Europe region.
How does GarantMe make money?
One revenue line is on record: caution Garantme Annual Fee.
Who are GarantMe's main competitors?
Direct peers on record are Unkle, Visale (Action Logement), Cautioneo and SmartGarant. Seyna is listed as an others. Broad incumbents are CNP Assurances / CNP Caution, Allianz France and AXA France. Emerging players are Luko (acquired by Allianz) and Lemonade.
Does GarantMe have an API?
No public API is recorded for GarantMe.
What industry is GarantMe in?
GarantMe's product category is Rental Guarantee Insurance. Its primary akta.pro industry code is BPAJAFAL, Residential Lease Administration & Tenant Services, with a secondary code of BPAJAOAD, Escrow Services. Its NAICS code is 531311 and its SIC code is 6531.