Ebie
Ebie is a Stockholm-based, Finansinspektionen-licensed proptech offering rental guarantee insurance and an AI-driven tenant risk analytics SaaS platform to commercial property owners and tenants across the Nordic market.
- Company typePrivate
- Founded2020
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Ebie does
Ebie AB (also operating as Rentfair AB) is a Stockholm-based proptech founded in 2020 by four students from Handelsh\u00f6gskolan (Stockholm School of Economics) and KTH Royal Institute of Technology. The company operates as a licensed insurance distributor targeting the Nordic commercial real estate market with two integrated products: Hyresgaranti (rental guarantee insurance), which replaces traditional security deposits and bank guarantees by protecting landlords against unpaid rent at an annual tenant fee of 1-4% of the insured amount, and Ebie Analytics, a SaaS risk-monitoring platform that provides credit checks, portfolio risk visualization, expected rental loss forecasting, and real-time notifications when tenant credit profiles deteriorate. Both products are sold primarily in Sweden with early signals of Norwegian expansion.
The underlying platform combines credit-data ingestion, automated risk scoring, and portfolio-level dashboards accessed via a web interface. Ebie holds a Finansinspektionen insurance distribution license covering credit and surety classes (FI Dnr: 25-31095) and a credit report permit from IMY, making it one of a small number of regulated Nordic distributors in this product category. Distribution is hybrid: a sales-led enterprise motion targeting commercial property owners with quote-based pricing and frame agreements (ramavtal) for portfolio coverage, alongside a self-serve SaaS sign-up with tiered subscription plans (Basic at SEK 2,990/year, Professional at SEK 9,950/year, Enterprise custom). The company serves over 100 property companies including Castellum, Atrium Ljungberg, MKB Fastigheter, Stendörren, Corem, Logistri, and Mileway, plus a long tail of commercial tenants using the guarantee to free capital otherwise locked in deposits. Revenue is generated through recurring insurance premiums and SaaS subscriptions.
Ebie firmographics
Firmographics- Name
- Ebie
- Legal name
- Ebie AB
- Website
- https://ebie.se
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Ebie is a Stockholm-based, Finansinspektionen-licensed proptech offering rental guarantee insurance and an AI-driven tenant risk analytics SaaS platform to commercial property owners and tenants across the Nordic market.
- Ownership category
- akta.pro rank
Ebie industry classification
Industry- Product category
- Rental Guarantee Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Property Management Advisory & Leasing Administration (FSAEAJAN)
- akta.pro secondary industry
- Risk Modeling & Pricing Analytics (FSAOAIAA)
Keywords
Where Ebie is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Ebie business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Rental Guarantee Insurance Premiums: Annual insurance premium charged to tenants as a percentage (1-4%) of the insured amount. Premium is paid upfront for the entire insurance period. Provides property owners with full protection against unpaid rent and tenant defaults.
- Ebie Analytics SaaS Subscriptions: Subscription-based software tiers for property owners: Basic at 299 SEK/month (2,990 SEK/year), Professional at 995 SEK/month (9,950 SEK/year), and Enterprise with custom pricing. Includes credit checks, portfolio monitoring, and risk analytics.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Basic: 299 SEK/month (2,990 SEK/year) — for BRF/property managers wanting basic risk visibility |
| Subscription | Annual | Professional: 995 SEK/month (9,950 SEK/year) — for smaller property companies or partial portfolio coverage |
| Subscription | Annual | Enterprise: Custom quote — for larger property companies with unique requirements |
| Unit Pricing | Annual | Rental Guarantee Insurance: Annual fee 1-4% of insurance amount (paid by tenant) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Ebie product offering
Product offeringCore offering
Ebie provides rental guarantee insurance (Hyresgaranti) that protects commercial property owners against unpaid rent as a modern alternative to traditional deposits and bank guarantees, with tenants paying an annual fee of 1-4% of the insured amount. The company also offers Ebie Analytics, an AI-driven risk management SaaS platform delivering credit checks, portfolio-level risk visualization, expected rental loss forecasting, and real-time automated notifications when tenant risk profiles change. Both products target commercial real estate owners, landlords, and property managers in the Nordic market.
Product overview
Ebie offers a dual-product portfolio consisting of Hyresgaranti (Rental Guarantee Insurance) and Ebie Analytics (Risk Management Platform). Hyresgaranti is an insurance product that protects property owners from rental losses, serving as an alternative to traditional deposits. Ebie Analytics is a SaaS risk platform that provides credit checks, portfolio analysis, and tenant monitoring. Both products share a unified web platform and target commercial real estate professionals in the Nordic market.
Differentiator
Problem solved
Functional benefit
Products and services
- Hyresgaranti (Rental Guarantee Insurance) Insurance product that protects commercial property owners against unpaid rent when tenants default, serving as a digital alternative to traditional security deposits and bank guarantees. Tenants pay an annual premium of 1-4% of the insured amount instead of tying up capital, and landlords receive full coverage against rental losses. Quotes are delivered within 1-2 business days after application, with frame agreements (ramavtal) available for bulk portfolio coverage.
- Ebie Analytics Self-serve SaaS risk management platform that provides credit checks, portfolio-level risk visualization, expected rental loss forecasting, automated real-time notifications when tenant risk profiles change, and ongoing monitoring of tenants and suppliers for commercial property owners, BRFs, and property managers.
- Ramavtal (Framework Agreements) Pre-negotiated framework agreements that allow commercial landlords and property companies to secure rental guarantee coverage across entire property portfolios, streamlining the procurement of Hyresgaranti for multiple units under a single contract.
Quantifiable outcome
- 50 billion SEK locked in Nordic deposits — the total addressable market for rental guarantee solutions
- +1 more outcomes
Companies that use Ebie
Customer profileNamed customers14 records
Segments3 records
Ideal customer profiles3 records
Ebie technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Ebie partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Fastighetsloggen (Fastighetsbranschens branschorganisation)minorSwedish real estate industry organization that partnered with Ebie to simplify risk management of commercial tenants. The partnership aims to provide Fastighetsloggen members with tools for tenant credit risk assessment.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
Ebie competitors and assessment
Company assessmentEmerging players
- VTS: Commercial real estate leasing and asset management SaaS platform. Comparable as a CRE-focused software vendor; overlaps with Ebie Analytics at the landlord workflow layer (tenant screening, portfolio monitoring) although VTS is broader and US-centric.
- Re-Leased: Commercial property management SaaS offering tenant management, lease admin and credit-check workflows. Directly comparable to Ebie Analytics for the property manager use case, though currently positioned for larger CRE operators in markets including Australia, UK and the US.
Broad incumbents
- RealPage: Large US CRE software suite covering property management, analytics and tenant screening. Comparable to the long-term ambition of Ebie Analytics at scale, and a benchmark for what a CRE SaaS + data franchise can become.
- Trygg-Hansa: Major Swedish insurer (part of the Codan/RSA/Fairfax group) writing commercial and consumer lines including credit and surety. Comparable as an incumbent with the balance sheet and licensing that could, if activated, replicate Ebie's rental guarantee proposition.
- Folksam: Large Swedish mutual insurer covering commercial property and surety lines. Comparable as a broad incumbent Swedish insurer with the regulatory standing and capital to credibly enter or absorb the rental guarantee niche.
- Yardi: Established global CRE software vendor with integrated tenant screening and risk modules. Relevant as a benchmark incumbent for Ebie Analytics; not focused on insurance distribution but sets the standard for landlord workflow software in the Nordic/CRE market.
- If Skadeförsäkring: Largest general insurer in the Nordics, offering commercial property and surety products. A broad incumbent whose underwriting capacity, brand and broker relationships set the competitive ceiling for Ebie in the Nordic CRE insurance market.
Direct peers
- TheGuarantors: US insurtech offering lease guarantee products (security deposit replacement, rent guarantee) to landlords and renters. Directly comparable to Ebie's core rental guarantee model, with broader product scope and a more mature distribution footprint.
- Knock: US-based rental guarantee insurance provider for property managers and tenants. Closely comparable to Ebie's Hyresgaranti product in replacing traditional security deposits with an insured alternative, although geographically focused on the US.
Regional players
- Insurello: Swedish insurance-technology company helping consumers recover value from existing insurance policies. Comparable as a Swedish insurtech peer targeting Nordic customers, though operating in claims optimization rather than rental guarantee distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Ebie social profiles
Digital presenceEbie compliance and trust
Trust signalCompliance2 records
Ebie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ebie leadership team
Management profileNumber of profiles
Profiles6 records
Ebie funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ebie 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 Ebie
What does Ebie do?
Ebie provides rental guarantee insurance (Hyresgaranti) that protects commercial property owners against unpaid rent as a modern alternative to traditional deposits and bank guarantees, with tenants paying an annual fee of 1-4% of the insured amount. The company also offers Ebie Analytics, an AI-driven risk management SaaS platform delivering credit checks, portfolio-level risk visualization, expected rental loss forecasting, and real-time automated notifications when tenant risk profiles change. Both products target commercial real estate owners, landlords, and property managers in the Nordic market.
Is Ebie a public or private company?
Ebie is a private company. It is classified as venture growth investor backed and is currently operating.
When was Ebie founded?
Ebie was founded in 2020. It employs 1 to 10 people.
Where is Ebie based?
Ebie is headquartered in Stockholm, Sweden, in the Europe region.
How does Ebie make money?
Two revenue lines are on record. Rental Guarantee Insurance Premiums are the primary driver. The others are ebie Analytics SaaS Subscriptions.
Who are Ebie's main competitors?
Emerging players on record are VTS and Re-Leased. Broad incumbents are RealPage, Trygg-Hansa, Folksam, Yardi and If Skadeförsäkring. Direct peers are TheGuarantors and Knock. Insurello is listed as a regional player.
Does Ebie have an API?
No public API is recorded for Ebie.
What industry is Ebie in?
Ebie's product category is Rental Guarantee Insurance. Its primary akta.pro industry code is FSAEAJAN, Property Management Advisory & Leasing Administration, with a secondary code of FSAOAIAA, Risk Modeling & Pricing Analytics. Its NAICS code is 524210 and its SIC code is 6411.