Livble
Livble is a New York-based fintech that partners with Property Management Software platforms to enable residential renters to split monthly rent into up to four installments aligned with income timing, charging a flat $30–$40 origination fee per loan. Acquired by RealPage in July 2025, it now operates within RealPage's ecosystem serving approximately 24 million rental units.
- Company typePrivate
- Founded2022
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Livble does
Livble is a New York-based financial technology company, founded in 2022 and operating as Lvble LLC (NMLS ID# 2479780), that enables residential renters to split monthly rent into up to four installments aligned with their income timing. The company is API-first by design, embedding its flexible-payment capability into Property Management Software (PMS) platforms such as Buildium and RealPage's LOFT resident experience platform; renters access the product either through their property's tenant portal or via a direct-to-tenant iOS and Android mobile app. On the technology side, Livble operates end-to-end lending infrastructure—underwriting, funding, and collections—with loans originated by Lead Bank, and includes an ability-to-repay review, pre-debit NSF checks, capped $15 late fees, and ACH-only repayment as safeguards against revolving debt. A February 2026 report from Protect Borrowers and Towards Justice has flagged the product's implied APRs (above 100%) as predatory, a material reputational and regulatory overhang.
Livble monetizes on a pure transaction basis: residents pay a flat $30–$40 origination fee per loan, disclosed upfront with no subscription, membership, or recurring obligation; late fees are capped at a single $15 charge per loan that does not compound. The go-to-market combines (i) embedded PMS partnerships (enterprise channel), (ii) the consumer mobile app (self-serve/PLG), and (iii) co-marketing via the RealPage acquisition. Customer segments are horizontal: residential renters seeking cash-flow flexibility, and PMS platforms seeking embedded financial services without bearing credit risk.
In July 2025, Livble was acquired by RealPage (itself owned by private equity firm Thoma Bravo), integrating the product into RealPage's software ecosystem serving approximately 24 million rental units, with RealPage assuming 100% of non-payment risk and managing collections. The company is led by co-founders Josh Ehrlich (CEO) and Micael Lasry (CTO) and operates with 11–50 employees. Cumulative scale metrics include $675M+ in rent payments facilitated, $50M+ in estimated late fees avoided, 99% installment completion, 70% month-2 retention, and a 96% resident satisfaction rate.
Livble firmographics
Firmographics- Name
- Livble
- Legal name
- Lvble LLC
- Website
- https://livble.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Livble is a New York-based fintech that partners with Property Management Software platforms to enable residential renters to split monthly rent into up to four installments aligned with income timing, charging a flat $30–$40 origination fee per loan. Acquired by RealPage in July 2025, it now operates within RealPage's ecosystem serving approximately 24 million rental units.
- Ownership category
- akta.pro rank
Livble industry classification
Industry- Product category
- Embedded Rent Payment Technology
- NAICS
- Rental and Leasing Services (532), Lessors of Real Estate (5311)
- SIC
- Real Estate Agents & Managers (For Others) (6531), Services-Equipment Rental & Leasing, Nec (7359)
- akta.pro primary industry
- Student Housing Tenant Representation (BPAJALAE)
- akta.pro secondary industry
- Student Housing Marketplaces & Booking Platforms (THAMAGAJ)
Keywords
Where Livble is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Markets served
Livble business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Supply Chain
Revenue model
- Transaction-based Flexible Rent Fees: Livble charges residents a single flat origination fee per loan (finance charge ranging from $30-$40) for splitting rent into installments. The fee is disclosed upfront before enrollment. No subscription, no membership, no recurring obligation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard flexible rent payment plan |
| Unit Pricing | Pay-as-you-go | Late fee (capped) |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels3 records
Livble product offering
Product offeringCore offering
Livble provides an embedded flexible rent payment platform that enables residential renters to split their monthly rent into up to four installments aligned to their pay schedule. The platform is delivered both through a direct-to-tenant mobile app (iOS and Android) and via API integration embedded into property management software (such as Buildium and LOFT), with end-to-end lending infrastructure including underwriting, funding, and collections handled by Livble. Loans are originated by Lead Bank, and Livble charges residents a single flat origination fee per loan.
Product overview
Livble operates as a financial technology platform offering embedded flexible rent payment solutions for the multifamily industry. The product portfolio consists of a core flexible rent payment platform with mobile app access, enabling residents to split monthly rent into up to 4 installments over the month. The platform uses flat-fee pricing with no subscription, no credit cards, and no revolving debt. API integration modules allow Property Management Software partners to embed Livble's payment flexibility technology into their existing tenant portals, with Livble handling the complete lending infrastructure from underwriting through collections. The company was acquired by RealPage in July 2025, integrating Livble's capabilities into RealPage's LOFT resident experience platform and Buildium property management software.
Differentiator
Problem solved
Functional benefit
Products and services
- Livble Flexible Rent Payment Platform Embedded flexible rent payment solution enabling renters to split monthly rent into up to 4 installments aligned to their income timing. Includes upfront flat-fee pricing, ACH-based repayment without revolving debt, and guaranteed on-time rent payments for property managers.
- Livble Mobile App Mobile application for tenants to access flexible rent payment options, manage installments, and track payment schedules. Available on iOS (App Store) and Android (Google Play Store).
- Livble API Integration API-based integration allowing Property Management Software platforms to embed Livble's flexible payment solutions directly into their tenant portals and software. Partners receive API keys for quick launch implementation, with Livble handling end-to-end lending infrastructure including underwriting, funding, and collections.
Quantifiable outcome
- 99% of residents completely paid their installment plan
- +4 more outcomes
Companies that use Livble
Customer profileSegments3 records
Ideal customer profiles3 records
Livble technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Livble partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- RealPagecoreRealPage acquired Livble in July 2025 and is integrating Livble's flexible payment technology into its LOFT resident experience platform and Buildium property management software. Livble enables residents to split rent payments into up to four installments per month. RealPage assumes 100% of non-payment risk and manages collections, providing guaranteed on-time rent payments for property managers.
- BuildiumcoreBuildium is a property management software platform that has integrated Livble's flexible rent payment solution, enabling property managers using Buildium to offer residents the ability to split rent payments into installments.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Livble competitors and assessment
Company assessmentDirect peers
- Pinwheel: Pinwheel provides income/employment data APIs and embedded payment flows used by property managers, with capabilities that overlap Livble's underwriting inputs and tenant-portal integrations.
- PayRent: PayRent is an online rent-payment platform for tenants and landlords, listed as a Livble 'trusted by' partner, competing on the same rent-collection workflow with overlapping property-manager customers.
- Baselane: Baselane is an all-in-one banking and rent-collection platform for independent landlords and tenants, listed as a Livble 'trusted by' partner and directly competing for the same embedded rent-payment workflows.
- Bilt Rewards: Bilt Rewards enables renters to pay rent (and earn rewards / build credit) via credit card and connected payment flows, competing head-on with Livble for the same tenant-portal rent-payment moment within multifamily properties.
- Flex (pay flexibility): Flex offers pay-over-time and bill-flexibility products targeted at the same income-timing / cash-flow problem Livble addresses, making it a direct competitor in the embedded flexible-payment category.
Emerging players
- Earnin: Earnin provides earned-wage access and cash-flow tools that tenants increasingly use to bridge rent timing gaps, competing with Livble at the cash-flow-management use case even though it is not a dedicated rent product.
Broad incumbents
- Affirm: Affirm is a large BNPL lender exploring bill- and housing-related pay-over-time products; its scale and embedded-finance ambitions make it a credible over-the-horizon competitor to Livble's installment model.
- Zillow Rentals: Zillow operates a much broader real-estate marketplace but also offers online rent payments within Zillow Rental Manager, putting it in overlapping competition for the same tenant rent-payment flow.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Livble social profiles
Digital presenceLivble financial estimates
Financial estimateRevenue estimate
Valuation estimate
Livble leadership team
Management profileNumber of profiles
Profiles2 records
Livble funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Livble 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 Livble
What does Livble do?
Livble provides an embedded flexible rent payment platform that enables residential renters to split their monthly rent into up to four installments aligned to their pay schedule. The platform is delivered both through a direct-to-tenant mobile app (iOS and Android) and via API integration embedded into property management software (such as Buildium and LOFT), with end-to-end lending infrastructure including underwriting, funding, and collections handled by Livble. Loans are originated by Lead Bank, and Livble charges residents a single flat origination fee per loan.
Is Livble a public or private company?
Livble is a private company. It is classified as private equity controlled and is currently operating.
When was Livble founded?
Livble was founded in 2022. It employs 11 to 50 people.
Where is Livble based?
Livble is headquartered in New York, United States, in the North America region.
How does Livble make money?
One revenue line is on record: transaction-based Flexible Rent Fees.
Who are Livble's main competitors?
Direct peers on record are Pinwheel, PayRent, Baselane, Bilt Rewards and Flex (pay flexibility). Earnin is listed as an emerging player. Broad incumbents are Affirm and Zillow Rentals.
Does Livble have an API?
Yes. Livble offers API integration for Property Management Software platforms to embed flexible rent payment solutions. The API enables partners to integrate Livble's flexible payment technology into their existing tenant portals and property management software. Partners can access API keys via [email protected]. Livble handles the full lending infrastructure including underwriting, funding, and collections. Launch can be achieved in days according to the company.
What industry is Livble in?
Livble's product category is Embedded Rent Payment Technology. Its primary akta.pro industry code is BPAJALAE, Student Housing Tenant Representation, with a secondary code of THAMAGAJ, Student Housing Marketplaces & Booking Platforms. Its NAICS code is 532 and its SIC code is 6531.