Obli

What Obli does

Obli (Obli Guarantees Ltd.) is an Israeli fintech operating a digital non-bank guarantee platform that issues autonomous, bank-equivalent guarantees without requiring cash deposits. The company targets two primary segments: individual residential tenants seeking to avoid locking 3-month bank deposits when renting apartments, and small and medium businesses requiring guarantees for commercial rentals, supplier credit arrangements, and participation in government tenders. Obli holds an extended credit license (Lic. 65494) from the Israel Capital Market, Insurance and Savings Authority, and its guarantees are recognized by the Israeli Government Procurement Administration for public sector procurement, providing regulatory credibility comparable to bank-issued guarantees.

The underlying platform is fully digital and self-serve, featuring an automated underwriting system that performs credit checks against Bank of Israel databases, video-based identity verification, and digital guarantee document delivery by email. Application processing takes approximately 15 minutes, with underwriting decisions returned in up to 3 business days and enforcement disbursement within 14 business days. A 10% guarantee fund backs all issued obligations, and Hachshara Insurance Company provides structural economic backing. The product portfolio spans Private Rental Guarantees (0.55%/month), Business Guarantees including rental, supplier credit, tender, performance, and quality bonds (0.63%/month), and an Autonomous Bank Guarantee product.

Obli's revenue model is usage-based and recurring, charging a fixed monthly commission as a percentage of the guaranteed amount, with installment payment available for up to 12 interest-free monthly credit card payments. Distribution is direct-to-consumer exclusively through the company website, with no physical branches or intermediaries. Marketing relies on content marketing, Israeli media coverage (103FM, Channel 13, Ynet, The Marker), digital advertising, and direct contact channels. The company is privately held, operates exclusively in Israel, and has not disclosed any external funding rounds.

Name

Obli

Legal name

אובלי ערבויות בע"מ

Website

https://obli.co.il

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Obli is an Israeli fintech that issues digital non-bank guarantees without requiring deposits, serving individual residential tenants and small-to-medium businesses needing bank-equivalent guarantees for rentals, tenders, supplier credit, and performance obligations under an Israel Capital Market Authority license.

Ownership category

akta.pro rank

Product category

Financial Guarantee Services

NAICS

Finance and Insurance (52)

SIC

Surety Insurance (6351), Finance Services (6199)

akta.pro industry

PRIMARYFSAHAJAH

Private Credit — Structured Credit (CLOs, ABS, Private Securitizations)

Financial & Insurance/Hedge Funds & Alternative Investments/Alternative Investments — Private Credit & Direct Lending

Keywords

• Digital financial guarantees
• Rental guarantee services
• Non-bank guarantees
• Tender guarantee services
• Fintech guarantee platform

Headquarters

HQ city

Tel Aviv-yafo

HQ country

Israel

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Guarantee Commission (Business): Fixed monthly commission charged at 0.63% of the guarantee amount per month. Available for installment payments up to 12 months on credit card without interest. Applied to business guarantees including supplier credit, tender, performance, and commercial rental guarantees.
2. Monthly Guarantee Commission (Private Rental): Fixed monthly commission charged at 0.55% of the guarantee amount per month. Available for installment payments up to 12 months on credit card without interest. Applied to private residential rental guarantees.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Obli is a fintech platform that issues autonomous, bank-equivalent financial guarantees without requiring a cash deposit. It serves both private tenants and businesses with guarantees for residential rental, commercial rental, supplier credit, tenders, performance, and quality, charging a fixed monthly commission instead of locking capital. Applications are submitted, underwritten, and issued fully online under an extended credit license from the Israel Capital Market Authority.

Product overview

Obli operates as a fintech platform offering a portfolio of non-bank digital guarantees that replace traditional bank deposit requirements. The core offering is the Digital Guarantee Without Deposit, which provides bank-equivalent autonomous guarantees across multiple use cases including private rentals, business rentals, supplier credit, tenders, and performance/quality bonds. Products include Private Rental Guarantee (0.55%/month), Business Rental and Supplier Credit Guarantees (0.63%/month), Tender/Performance/Quality Guarantees, and Autonomous Bank Guarantee. All products feature fully digital application processing, video identity verification, and fixed fee structures with installment payment options.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Rental Guarantee (ערבות לשכירות פרטית) Digital guarantee for tenants renting residential apartments or houses in Israel, replacing the landlord's bank deposit requirement with a non-bank autonomous guarantee at a fixed monthly fee of 0.55% of the guarantee amount.
• Business Rental Guarantee (ערבות לעסקים) Non-bank guarantee for businesses leasing commercial property in Israel, eliminating the need to lock a deposit at the bank while preserving cash flow and business operations.
• Supplier Credit Guarantee (ערבות אשראי ספקים) Guarantee issued in supplier credit arrangements to protect suppliers against non-payment by buyers, with no deposit required from the purchasing business and a fixed 0.63% monthly commission.
• Tender Guarantee (ערבות מכרז) Non-bank guarantee for businesses participating in Israeli public and private tenders, approved by the Accountant General at the Ministry of Finance, enabling tender participation without depositing capital.
• Performance Guarantee (ערבות ביצוע) Guarantee ensuring contractors complete projects as agreed, commonly required in construction and infrastructure projects, replacing the need for a bank deposit-based performance bond.
• Quality Guarantee (ערבות טיב) Guarantee covering defects discovered after construction project completion, ensuring quality of work and materials during warranty periods without requiring a bank deposit.
• Autonomous Bank Guarantee (ערבות בנקאית אוטונומית) Self-executing bank-equivalent guarantee that can be enforced without going through legal proceedings, accepted by property owners and counterparties in lieu of a traditional bank guarantee.

Quantifiable outcome

• 0.63% monthly commission for business guarantees vs. bank commissions totaling 4-5% including fees, administration, and registration charges.
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Two partnerships are on record, tiered supportive and core.

• Ministry of Economy — Agency for Small and Medium BusinessessupportiveOthersThe Ministry of Economy's Agency for Small and Medium Businesses provides support and recognition for Obli's operations, validating the company's role in serving small and medium business financing needs.
• Treasury Comptroller General — Government Procurement AdministrationcoreOthersThe Comptroller General in the Ministry of Finance has approved Obli's guarantees for participation in government tenders and projects, allowing Obli-issued guarantees to be submitted in public sector procurement processes.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• LeaseLock: US-based provider of deposit alternative solutions powered by insurance for the multifamily rental industry. Closely comparable to Obli's rental guarantee product in addressing the same landlord-tenant deposit replacement use case.
• Garantme: France-based fintech providing rental deposit alternatives to tenants and landlords. Comparable single-market non-bank guarantee model similar to Obli's core private rental guarantee product in Israel.
• Rhino: US rental technology company that offers security deposit alternatives and renter's insurance products through partnerships with property managers. Closely mirrors Obli's PLG model for replacing traditional bank deposits in residential leasing.
• Jetty: US-based fintech providing deposit alternatives, lease guarantees, and renters insurance to property managers and residents. Direct competitor to Obli's private rental guarantee offering with a similar technology-driven, non-bank approach.
• TheGuarantors: US-based insurtech providing non-bank rental guarantees and security deposit alternatives to tenants and landlords. Directly comparable business model to Obli's Private Rental Guarantee product, serving the same fundamental pain point of replacing cash deposits with credit-backed instruments.

Broad incumbents

• Lemonade: US/Israeli insurtech offering digital-first insurance products including renters and homeowners coverage. Broader competitor operating across insurance categories; demonstrates the Israeli insurtech DNA and validates the digital-first insurance model Obli is part of.
• Phoenix Holdings: Major Israeli insurance and finance group offering insurance, asset management, and credit products. Represents an established Israeli incumbent in the broader financial services and credit ecosystem where Obli operates.
• Harel Insurance Investments & Financial Services: One of Israel's largest insurance and financial services groups. Comparable as a major Israeli insurance/financial institution that could compete with or partner with Obli in the guarantee and surety market.

Regional players

• BlueVine: Israeli-founded fintech serving SMBs with working capital, lines of credit, and payment solutions. Comparable Israeli fintech serving SMB credit needs; shows the broader Israeli SMB-fintech opportunity but addresses working capital rather than guarantee instruments.
• Atudot Le'Israel (Israeli Deposits Company): Israeli state-affiliated platform managing rental deposits and related housing finance services. Adjacent regional player in the Israeli rental deposit ecosystem that Obli's private rental guarantee product competes with or complements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

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 Obli