Livble

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.

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

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

• Flexible rent payments
• Embedded fintech
• Rent installment platform
• Property management software
• Tenant payment solutions

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Supply Chain

Revenue model

1. 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

Go-to-market motion3 records

Distribution channels2 records

Marketing channels3 records

Core 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

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• RealPagecoreOEM/ Whitelabel/ Licensing Partner · 1 July 2025RealPage 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.
• BuildiumcoreOEM/ Whitelabel/ Licensing PartnerBuildium 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

Direct 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

• LinkedInlinkedin.com/company/livble

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

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 Livble