Rent Guarantor
RentGuarantor Holdings PLC (AIM: RGG) is a UK-based professional rent guarantor service that substitutes for personal guarantors for students, working professionals, and benefits recipients, offering digital application, AI-assisted underwriting, and rent default protection to landlords and letting agents.
- Company typePublic
- Founded2018
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Rent Guarantor does
RentGuarantor Holdings PLC (AIM: RGG) is a UK-based professional rent guarantor service that acts as a stand-in guarantor for tenants who cannot provide a personal guarantor, primarily serving students (including international students), working professionals, self-employed individuals, and benefits recipients in the private rental sector. The platform offers a digital self-serve application with integrated credit referencing via Keysafe and Open Banking, digital contract execution via Xodo Sign, and multiple payment options (PayPal, Payl8r), with decisions typically delivered within 4 hours. The core product combines a rent guarantee (up to £120,000 or 12 months' rent) with damages protection (up to two months' rent) and arrears management support, monetized through an annual fee of typically 3-4 weeks of rent (minimum £249) plus a one-time £20 application administration fee.
The company is investing heavily in AI and automation, developing the ADR-UC (Automated Document Reader for Universal Credit) tool to enable one-minute approval decisions and target 100,000 contracts per year by 2029 — a 30-fold increase over FY2025 capacity. Strategic distribution is anchored by a two-year partnership with the National Residential Landlords Association (NRLA) and a co-developed combined deposit-plus-guarantor product with Mydeposits launched in 2026 to address the structural shift created by the Renters' Rights Act. Revenue reached £2.39M in FY2025 (87% YoY growth) with the first positive monthly result in May 2026; cumulative guarantees issued since 2021 exceed 5,000.
Rent Guarantor firmographics
Firmographics- Name
- Rent Guarantor
- Legal name
- RentGuarantor Holdings PLC
- Website
- https://rentguarantor.com
- Company type
- Public
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- RentGuarantor Holdings PLC (AIM: RGG) is a UK-based professional rent guarantor service that substitutes for personal guarantors for students, working professionals, and benefits recipients, offering digital application, AI-assisted underwriting, and rent default protection to landlords and letting agents.
- Ownership category
- akta.pro rank
Rent Guarantor industry classification
Industry- Product category
- Rent Guarantee Services
- NAICS
- Lessors of Real Estate (5311)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Guarantor/Co-Signer Consumer Loans (FSAKAOAI)
- akta.pro secondary industries
- Renters Insurance (FSAJACAB), Residential Lease Administration & Tenant Services (BPAJAFAL)
Keywords
Where Rent Guarantor is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Rent Guarantor business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Annual Rent Guarantor Fee: Tenants pay an annual fee for professional guarantor services covering the initial tenancy period. The fee covers rent payment guarantees, damage protection up to two months' rent, and support services. From year two onwards, fees can be paid in monthly instalments by direct debit.
- Application Administration Fee: One-time non-refundable £20 application fee charged for processing tenant applications, collected before detailed assessment begins.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Quick Quote - Free, no-obligation instant estimate |
| One time/ perpetual license | Pay-as-you-go | Application Fee - One-time processing charge |
| Subscription | Annual | Guarantor Fee - Annual service charge |
| Hybrid | Monthly | Pay in 3 instalments via PayPal |
| Hybrid | Monthly | Instalment plans via Payl8r |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels7 records
Rent Guarantor product offering
Product offeringCore offering
RentGuarantor acts as a professional UK-based rent guarantor for tenants who cannot provide a personal guarantor, providing landlords with rent default protection up to £120,000 or 12 months' rent, damage protection up to two months' rent, and arrears resolution support. Tenants apply through a digital platform, pay an annual fee (typically equivalent to 3-4 weeks of rent, minimum £249) plus a one-time £20 application fee, and receive digital contracts within hours. The company also offers combined rent deposit and guarantor services in partnership with Mydeposits and an AI-powered document processing tool (ADR-UC).
Product overview
RentGuarantor offers a unified professional rent guarantor service for the UK private rental sector. The core product is the RentGuarantor Professional Guarantor Service, which provides rent default protection up to £120,000 or 12 months' rent alongside a damages guarantee up to 2 months' rent. The service is supported by a digital tenant application platform with integrated credit referencing (via Keysafe and Open Banking), digital contract signing (via Xodo Sign), and multiple payment options (PayPal, Payl8r). Recent additions include an AI-powered Automated Document Reader for Universal Credit (ADR-UC) for automated document processing, and a combined rent deposit and guarantor product developed with Mydeposits. The Quick Quote Tool provides instant pricing, while dedicated arrears management services handle payment recovery and eviction support.
Differentiator
Problem solved
Functional benefit
Products and services
- RentGuarantor Professional Guarantor Service Core professional rent guarantor service where RentGuarantor acts as the UK-based guarantor for tenants unable to provide a personal guarantor. Provides landlords with rent default protection up to £120,000 or 12 months' rent, damage protection up to two months' rent, legal eviction cost coverage, and out-of-court issue resolution support. Tenants pay an annual fee covering up to three years of coverage with monthly instalment options from year two onwards.
- Quick Quote Tool Free, no-obligation online calculator that instantly estimates the annual guarantor fee based on the tenant's monthly rent, total tenancy cost, and occupation type (student, employed, benefits, self-employed). Provides a personalised quote via email and serves as the primary funnel into the application process.
- Tenant Application Platform End-to-end online application system enabling tenants to apply for guarantor services in approximately 15 minutes, complete automated credit referencing via Keysafe with Open Banking income verification, submit required documents, track application status, and receive digitally signed contracts via Xodo Sign. Most applicants receive a decision within 4 hours.
- Combined Rent Deposit and Guarantor Service Co-developed product with Mydeposits offering both government-approved deposit protection and professional rent guarantor services through a single combined fee. Designed for tenant customers and landlord/agent partners to replace the certainty of rental income that was previously provided by rent in advance requirements abolished under the Renters' Rights Act. Debuted early summer 2026.
- Arrears Management Service Standalone support service for landlords handling tenant rent arrears, including claims processing, tenant communication, payment recovery, and eviction cost coverage up to £10,000 for non-payment proceedings. Helps resolve issues before court action and saves time and costs for all parties.
Quantifiable outcome
- 99.1% customer service rating on ESTAS
- +6 more outcomes
Companies that use Rent Guarantor
Customer profileSegments8 records
Ideal customer profiles8 records
Rent Guarantor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability3 records
Feature4 records
Rent Guarantor partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Move iQminorPartnership with Phil Spencer's Move iQ property information platform to launch practical guide for renters. Co-marketing initiative to provide renters with guidance and information.
- MydepositscorePartnership to launch combined rent deposit and guarantor service. The new product will allow tenant customers and landlord/agent partners to access Mydeposits' government-approved deposit protection scheme alongside RentGuarantor's professional guarantor service through a single combined fee. Aims to replicate certainty of rental income lost with abolition of rent in advance under Renters' Rights Act.
- National Residential Landlords Association (NRLA)coreTwo-year strategic partnership with NRLA for distribution. As the UK's largest private landlords association, NRLA provides access to member landlords who can offer RentGuarantor services to tenants. The partnership is a key channel for customer acquisition in the landlord segment.
- PropertymarkminorPropertymark Industry Supplier partnership. Propertymark is a UK property professional body providing recognition and access to letting agent network.
- PayPalminorPayment processing partner. Tenants can pay fees via PayPal wallet or use Pay in 3 instalment option.
- Payl8rminorInstalment payment partner. Tenants can pay fees in 3, 6, 9, or 10 monthly instalments subject to affordability assessments. Representative APR 127.34%.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Rent Guarantor competitors and assessment
Company assessmentBroad incumbents
- HomeLet: Established UK tenant referencing, rent guarantee insurance, and lettings services provider owned by Arthur J. Gallagher. Offers overlapping guarantor and tenant screening products but as part of a much broader insurance and lettings portfolio rather than a focused niche.
- Barbon Insurance (HomeLet group): UK specialist in tenant referencing and rent guarantee insurance under HomeLet. Established incumbent in the same product category with deeper underwriting data and broader agent relationships.
Direct peers
- Goodlord: UK PropTech platform for letting agents covering referencing, contract signing, and rent collection. Directly comparable digital workflow and target customer (letting agents); could feasibly bundle a guarantor-style product to compete.
- Let Alliance: UK tenant referencing, insurance, and rent guarantee provider serving letting agents and landlords. Comparable product mix (referencing + rent guarantee) and similar distribution model via letting agent partnerships.
- Housing Hand: UK's largest specialist rent guarantor service providing a near-identical product to students and professionals who lack a UK-based personal guarantor. Closest direct competitor on pricing, target customer, and AI-enabled digital application flow.
- Rentguard (UK): UK specialist provider of rent guarantee insurance and tenant referencing products. Direct competitor on the landlord-side insurance product that RentGuarantor's guarantee effectively replicates.
Others
- mydeposits (partner): Government-approved tenancy deposit protection scheme in the UK and now a RentGuarantor partner for the combined deposit-and-guarantor product. Adjacent ecosystem participant rather than direct competitor, but data and process integration could shift the balance over time.
- Deposit Protection Service (DPS): Government-authorised tenancy deposit protection scheme and part of the wider landlord compliance stack. Adjacent infrastructure provider rather than a guarantor competitor.
Emerging players
- Tenant referencing via Canopy: UK PropTech tenant referencing platform serving letting agents. Partial overlap on referencing and tenant screening workflows; could expand into guarantor-style guarantees as part of bundled agent propositions.
Regional players
- OpenRent: UK-focused online letting platform serving private landlords with tenant matching and referencing tools. Comparable UK-only geographic scope and landlord-direct distribution model but does not currently offer a guarantor product.
Market position
Strengths5 records
Weaknesses5 records
Key risks4 records
Key highlights7 records
Customer concentration
Rent Guarantor social profiles
Digital presenceRent Guarantor compliance and trust
Trust signalCompliance1 record
Rent Guarantor financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rent Guarantor leadership team
Management profileNumber of profiles
Profiles2 records
Rent Guarantor subsidiaries and ownership
Company hierarchySubsidiaries1 record
Rent Guarantor funding detail
Funding detailFunding overview
Funding rounds5 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rent Guarantor 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 Rent Guarantor
What does Rent Guarantor do?
RentGuarantor acts as a professional UK-based rent guarantor for tenants who cannot provide a personal guarantor, providing landlords with rent default protection up to £120,000 or 12 months' rent, damage protection up to two months' rent, and arrears resolution support. Tenants apply through a digital platform, pay an annual fee (typically equivalent to 3-4 weeks of rent, minimum £249) plus a one-time £20 application fee, and receive digital contracts within hours. The company also offers combined rent deposit and guarantor services in partnership with Mydeposits and an AI-powered document processing tool (ADR-UC).
Is Rent Guarantor a public or private company?
Rent Guarantor is a public company. It is classified as public and is currently operating.
When was Rent Guarantor founded?
Rent Guarantor was founded in 2018. It employs 1 to 10 people.
Where is Rent Guarantor based?
Rent Guarantor is headquartered in London, United Kingdom, in the Europe region.
How does Rent Guarantor make money?
Two revenue lines are on record. Annual Rent Guarantor Fee is the primary driver. The others are application Administration Fee.
Who are Rent Guarantor's main competitors?
Broad incumbents on record are HomeLet and Barbon Insurance (HomeLet group). Direct peers are Goodlord, Let Alliance, Housing Hand and Rentguard (UK). Others are mydeposits (partner) and Deposit Protection Service (DPS). Tenant referencing via Canopy is listed as an emerging player. OpenRent is listed as a regional player.
Does Rent Guarantor have an API?
No public API is recorded for Rent Guarantor.
What industry is Rent Guarantor in?
Rent Guarantor's product category is Rent Guarantee Services. Its primary akta.pro industry code is FSAKAOAI, Guarantor/Co-Signer Consumer Loans, with a secondary code of FSAJACAB, Renters Insurance. Its NAICS code is 5311 and its SIC code is 6331.