NUMAI

What NUMAI does

NUMAI is the first independent rent-to-buy service provider in Europe, founded in April 2019 and headquartered in Vilnius, Lithuania. The company enables individuals who cannot access traditional mortgage financing — typically due to insufficient down payment savings, irregular income, recent job changes, or non-standard employment — to move into a selected property immediately while accumulating a down payment of up to 15% of the property's purchase price through monthly contributions. At contract signing, the future purchase price is locked in, protecting clients against Baltic real estate appreciation. The core product, "Nuomokis ir Pirk" (Rent to Buy), is supported by a proprietary self-service portal (mano.numai.lt) where customers register, submit documentation, track accumulation progress, and make payments, and by an online budget calculator that drives top-of-funnel conversion. An optional property furnishing add-on bundles renovation costs into the eventual buyout price.

The business model combines recurring monthly rent (with 3% annual indexation) plus accumulation payments, a one-time contract fee of ~1% of property price, and property refurbishment margin, generating multi-year contracted cash flows. NUMAI funds its €40+ million real estate portfolio through a combination of operational cash flow, bank loans (€6.2M from Luminor in September 2025, plus an LHV Pank credit facility for the Estonian subsidiary in March 2026), and bond issuances — most notably a €9.6M debut on Nasdaq Baltic First North in December 2025. The company operates in Vilnius, Kaunas, and Klaipėda in Lithuania and in Tallinn, Estonia, through subsidiary Numai EE2 OÜ, and serves a long-tail of individual consumer customers (400+ served, 130+ transitioned to homeownership).

Go-to-market is hybrid sales-led and digital self-service: organic content marketing (blog, SEO, social channels), interactive calculators, free consultations, and direct property search assistance. The company achieved profitability at the Lithuanian entity in December 2023 and at the group level in December 2024, and underwent a corporate demerger in December 2025 establishing a new holding entity, Numai group, UAB, positioned as the future parent for the group's operating subsidiaries.

Name

NUMAI

Legal name

UAB "Mano numai"

Website

https://numai.lt

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

NUMAI is a Lithuanian rent-to-buy fintech that lets individuals unable to qualify for traditional mortgages move into a chosen home immediately while accumulating a down payment, then purchase at a pre-agreed locked-in price. The company serves retail consumers across Vilnius, Kaunas, Klaipėda, and Tallinn.

Ownership category

akta.pro rank

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Rental Income: NUMAI purchases properties and rents them to customers under rent-to-own agreements. Monthly rent payments are a primary revenue stream, with built-in 3% annual rent indexation.
2. Down Payment Accumulation: Customers pay monthly accumulation amounts toward their down payment (up to 15% of property price). These payments contribute to revenue during the rental period.
3. Contract Fee: One-time contract fee charged at signing, typically 1% of the selected property price.
4. Property Refurbishment: NUMAI organizes and finances property furnishing/renovation, adding costs to the property buyout price with corresponding rent and accumulation payment increases.
5. Bond Issuances: Company raises capital through bond issuances listed on Nasdaq Baltic First North market, with €8M total nominal value at 8% annual interest rate.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

NUMAI is an independent rent-to-buy real estate service provider that purchases residential properties on behalf of customers who cannot obtain traditional mortgages due to insufficient down payments or non-traditional income. Customers occupy the property immediately, pay rent, accumulate a down payment, and at the end of the rental period purchase the property at a pre-agreed price with accumulated savings credited toward the purchase.

Product overview

NUMAI operates a unified Rent to Buy (Nuomokis ir Pirk) platform enabling customers to move into a chosen property immediately and accumulate a down payment in installments, then purchase the property at a pre-agreed price. The offering consists of a core Rent to Buy service, supported by a self-service customer portal (Savitarna), an online budget calculator, and an optional property furnishing add-on. The platform is available in Vilnius, Kaunas, and Klaipėda in Lithuania, and Tallinn in Estonia.

Differentiator

Problem solved

Functional benefit

Products and services

• Nuomokis ir Pirk (Rent to Buy) Core service where NUMAI purchases a residential property on behalf of a customer who cannot obtain a traditional mortgage due to insufficient down payment or non-traditional income. Customer moves in immediately, pays monthly rent (indexed 3% annually), accumulates a down payment up to 15% of property value, and purchases the property at a pre-agreed fixed price. Includes 1% contract fee and 2.5-5% advance payment.
• Būsto įrengimo paslauga (Home Furnishing Service)

Quantifiable outcome

• Average client savings of €23,000 due to locked-in property prices
• +4 more outcomes

Named customers13 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered supporting.

• Property Furnishing PartnerssupportingImplementation/ SI/ Consulting PartnerNUMAI works with partner contractors to organize and execute property furnishing and renovation work according to customer wishes. These costs are added to the property buyout price.
• Insurance PartnerssupportingStrategic or Co-development PartnerNUMAI has secured competitive insurance terms for clients from partner insurance providers, covering both building and contents insurance for rental properties.
• Big Four Audit FirmsupportingImplementation/ SI/ Consulting PartnerIn June 2024, NUMAI conducted an internal client onboarding and risk assessment audit with one of the Big Four audit firms, demonstrating commitment to operational excellence.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Home Partners of America: US rent-to-buy residential operator (acquired by Blackstone in 2021 for ~$6B). Operates the same core model of purchasing homes and leasing them to residents with the option to buy at a pre-agreed price — directly comparable in product mechanics and customer value proposition.
• Divvy: US rent-to-buy home platform that purchases homes on behalf of customers and rents them back while they accumulate down payment. Acquired by Bank of America in 2024. Closest US analog to NUMAI's rent-to-own-with-down-payment-accumulation model.
• Truehold: US residential sale-leaseback and rent-to-own operator. Offers homeowners immediate liquidity by purchasing their property and offering them the option to buy it back — overlaps with NUMAI's underlying mechanism of separating property ownership from occupancy with future buyback option.
• Wayhome: UK shared-ownership / rent-to-buy platform that allows customers to buy a percentage of a home while renting the rest, with the option to increase ownership over time. Directly comparable business model for buyers unable to access full mortgages.
• Rentplus: UK rent-to-buy operator that purchases homes and rents them to tenants who can apply to purchase the property after a fixed period. Operates on similar principles to NUMAI, addressing mortgage-ineligible buyers in the UK market.
• Get Ground: UK shared-ownership platform enabling buyers to purchase a share of a property and pay rent on the remainder. Comparable in targeting mortgage-ineligible buyers with structured ownership pathways.
• OpenDor: UK shared-ownership platform enabling buyers to purchase a share of a property and stair-step to full ownership. Targets similar demographic of mortgage-ineligible buyers seeking a path to homeownership.
• Atmos: US-based residential sale-leaseback and rent-to-buy platform targeting homeowners who cannot yet qualify for full mortgage financing. Operates a similar ownership-during-rent model to NUMAI in the US market.

Regional players

• Duna House: Hungarian-listed real estate services group with operations across Central Europe including the Baltics via Duna House Polska and franchise networks. Comparable as a regional real estate services and brokerage competitor with overlapping customer segments in adjacent European markets.

Broad incumbents

• Heimstaden: Major European residential real estate owner and operator with €30B+ portfolio across 10 countries. Comparable as a large-scale residential property lessor and operator, though focused on traditional rental rather than rent-to-own.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ManoNumai
• LinkedInlinkedin.com/company/numai-rent2buy
• Instagraminstagram.com/numai_lietuva
• TikToktiktok.com/@numai_lietuva

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds29 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NUMAI