Finaer
Finaer is an Argentine financial services company that provides rental guarantee surety bonds, enabling tenants without traditional property guarantees to secure rental contracts. It serves tenants, property owners, and real estate agencies across Argentina via a web platform, 18 offices, and 10,000+ affiliated agencies.
- Company typePrivate
- Founded2011
- HeadquartersRivadavia, Argentina
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Finaer does
Finaer (legal entity: Sistema Finaer S.A.) is an Argentine financial services company founded in 2011 that operates a surety bond system replacing traditional property guarantees for residential and commercial rental contracts. The core product, Sistema de Garantías Finaer, allows tenants who lack property assets to demonstrate creditworthiness through income documentation (employment, monotributo, or autónomo status) and obtain a guarantee that covers rent, utilities, municipal taxes, ordinary expenses, damage, pet liability, and legal costs until full property restitution. The company serves three primary customer segments: individual tenants, property owners, and real estate agencies, with affiliated agencies able to refer tenants into the Finaer network at no cost.
Finaer's underlying technology is a web-based platform that includes an online application portal, an automated cost calculator, a request tracking system, and a searchable directory of affiliated real estate agencies. The underwriting workflow is human-mediated (document collection and income verification), with a 24-hour resolution target once documentation is complete. The company holds SSN registration as Agente Institorio (number 0317-0618-0117-0436) and AAIP registration under Ley 25.326 for personal data handling. It operates 18 physical and virtual offices across Argentina, concentrated in Buenos Aires but extending to Patagonia, Mendoza, Neuquén, Salta, and La Plata.
Finaer's revenue model is primarily transactional: a one-time service fee equal to 6% of the total rental contract value (monthly rent × contract term), charged at contract signing. Payment options include an upfront 20% discount, 3-installment plans without interest via Mercado Pago, and 6- or 12-installment plans. A secondary revenue stream comes from commissions on complementary insurance products (fire, multi-coverage for residential and commercial properties) distributed through a strategic partnership with La Segunda Seguros. Distribution is hybrid: direct via the website and WhatsApp, through the 10,000+ affiliated real estate agency network, and via in-person branch offices serving individual consumers and SMBs across Argentina.
Finaer firmographics
Firmographics- Name
- Finaer
- Legal name
- Sistema Finaer S.A.
- Website
- https://finaersa.com.ar
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Finaer is an Argentine financial services company that provides rental guarantee surety bonds, enabling tenants without traditional property guarantees to secure rental contracts. It serves tenants, property owners, and real estate agencies across Argentina via a web platform, 18 offices, and 10,000+ affiliated agencies.
- Ownership category
- akta.pro rank
Finaer industry classification
Industry- Product category
- Rental Guarantee Services
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Surety Insurance (6351)
- akta.pro primary industry
- Commercial Surety Bonds (FSAJAIAB)
- akta.pro secondary industry
- Contract Surety Bonds (FSAJAIAA)
Keywords
Where Finaer is headquartered
LocationHeadquarters
- HQ city
- Rivadavia
- HQ country
- Argentina
- HQ region
- Latin America
Offices18 records
Markets served
Finaer business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Others
Revenue model
- Fianza Service Fee (Garantía de Fianza): One-time service fee charged at the signing of the surety contract, calculated as 6% of total rental value over the contract period (rental amount multiplied by contract term). This is the primary revenue stream and covers the guarantee provided to property owners.
- Complementary Insurance Products: Revenue from additional insurance products including fire insurance, multi-coverage for homes and businesses, offered through partnership with La Segunda Seguros.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Base Service Fee - 6% of total rental contract value |
| One time/ perpetual license | Pay-as-you-go | Upfront Payment - 20% discount |
| Subscription | Monthly | 3 Installments without interest |
| Subscription | Multi-year contract | 6 Installments with down payment |
| Subscription | Multi-year contract | 12 Installments without interest |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Finaer product offering
Product offeringCore offering
Finaer provides a rental guarantee system (Sistema de Garantías Finaer) for the Argentine rental market, allowing tenants to secure residential and commercial lease contracts without presenting traditional property guarantees. The subsidiary surety bond (fianza) covers rent, utilities (ABL municipal tax, water, gas, electricity), ordinary expenses, damage protection, pet coverage, and legal costs until full property restitution. Resolution is provided within 24 hours of completed documentation, and the service is delivered through a web-based application portal and a network of physical offices and affiliated real estate agencies across Argentina.
Product overview
Finaer operates as a guarantee and surety bond system for rental contracts in Argentina. The core product is the Sistema de Garantías Finaer, a subsidiary surety bond that replaces traditional property guarantees for tenants. This is supplemented by complementary insurance products offered in partnership with La Segunda Seguros, including fire insurance and multi-coverage policies for both residential and commercial properties. The platform includes supporting tools such as a cost calculator, real estate agency directory, and online application tracking system. The service is available through both physical offices across Argentina and a web-based application portal.
Differentiator
Problem solved
Functional benefit
Products and services
- Sistema de Garantías Finaer (Finaer Guarantee System) A surety bond/guarantee system that allows tenants to secure rental contracts without traditional property guarantees (garantía propietaria). Provides coverage for rent, utilities, municipal taxes, expenses, and legal costs until property restitution. Available to tenants, property owners, and real estate agencies in Argentina.
- Fianza de Sistema Finaer (Finaer Surety Bond) Subsidiary surety bond guaranteeing landlords payment of rent, ABL municipal tax, water, ordinary expenses, electricity, gas, damage protection, pet coverage, and legal costs until full property restitution. Coverage remains valid until the property is fully returned, regardless of original contract expiration.
- Seguro Contra Incendios (Fire Insurance) Fire insurance product offered in partnership with La Segunda Seguros, providing mandatory coverage required by rental contracts at competitive rates. Available to both tenants and property owners using Finaer's network.
- Multicobertura Viviendas (Residential Multi-Coverage) Multi-coverage insurance for residential properties offered through the La Segunda Seguros partnership, providing extended protection beyond basic fire insurance for homeowners and tenants.
- Multicobertura Comercios (Commercial Multi-Coverage) Multi-coverage insurance for commercial properties offered through the La Segunda Seguros partnership, providing comprehensive business property protection for commercial rental contracts.
Quantifiable outcome
- Guarantee resolution within 24 hours of completed documentation
- +2 more outcomes
Companies that use Finaer
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles3 records
Finaer technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Finaer partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- La Segunda SeguroscoreFinaer has a strategic partnership with La Segunda Seguros to offer complementary insurance products to both tenants and property owners. Through this alliance, Finaer provides access to fire insurance (required by rental contracts), multi-coverage for homes and businesses, and other insurance products at competitive prices with significant discounts. The partnership enables Finaer to offer a comprehensive protection package beyond the basic guarantee service.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Finaer competitors and assessment
Company assessmentDirect peers
- Garantizar SGR: Argentina's leading Sociedad de Garantía Recíproca issuing surety bonds and guarantees to SMEs and individuals. Most directly comparable to Finaer in product category (suretyship) and Argentine market, though it is balance-sheet funded and B2B-skewed.
- CPN Garantías: Argentine surety and financial guarantee company providing caución and contract guarantee products. Directly comparable to Finaer in product (surety/guarantee) and customer overlap (individuals and SMEs needing rental or commercial guarantees).
Regional players
- FOGABA: Fondo de Garantías de Buenos Aires, a public provincial guarantee fund. Comparable as a guarantee provider in Argentina, though state-backed and focused on SME credit access rather than rental-specific guarantees like Finaer.
Broad incumbents
- La Segunda Seguros: Established Argentine insurance carrier and Finaer's core insurance partner for fire and multi-coverage products. Comparable as an incumbent insurance provider underwriting the policies Finaer distributes, and a model for what scaled insurance product attach could look like.
- Sancor Seguros: Major Argentine cooperative insurance carrier offering surety, property, and personal lines. Comparable as a large incumbent that could expand its surety/rental guarantee offering and compete with Finaer's distribution model.
- Mercado Libre: Dominant Argentine/LatAm e-commerce and fintech platform operating Mercado Pago (Finaer's payment processor). Comparable as a large ecosystem player with both the payments infrastructure and the potential to enter or disintermediate rental guarantee distribution.
- Banco Hipotecario: Argentine mortgage and housing-focused bank. Comparable as a regulated, capital-strong housing finance incumbent that could enter the rental guarantee category and compete with Finaer on cost of capital and distribution.
Emerging players
- Zonaprop: Leading Argentine digital real estate marketplace. Comparable as a channel where rental demand concentrates and which could, in the future, embed or partner on rental guarantee products that compete with Finaer's referral flow from agencies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finaer compliance and trust
Trust signalCompliance2 records
Finaer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finaer leadership team
Management profileNumber of profiles
Profiles2 records
Finaer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finaer 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 Finaer
What does Finaer do?
Finaer provides a rental guarantee system (Sistema de Garantías Finaer) for the Argentine rental market, allowing tenants to secure residential and commercial lease contracts without presenting traditional property guarantees. The subsidiary surety bond (fianza) covers rent, utilities (ABL municipal tax, water, gas, electricity), ordinary expenses, damage protection, pet coverage, and legal costs until full property restitution. Resolution is provided within 24 hours of completed documentation, and the service is delivered through a web-based application portal and a network of physical offices and affiliated real estate agencies across Argentina.
Is Finaer a public or private company?
Finaer is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finaer founded?
Finaer was founded in 2011. It employs 101 to 250 people.
Where is Finaer based?
Finaer is headquartered in Rivadavia, Argentina, in the Latin America region.
How does Finaer make money?
Two revenue lines are on record. Fianza Service Fee (Garantía de Fianza) is the primary driver. The others are complementary Insurance Products.
Who are Finaer's main competitors?
Direct peers on record are Garantizar SGR and CPN Garantías. FOGABA is listed as a regional player. Broad incumbents are La Segunda Seguros, Sancor Seguros, Mercado Libre and Banco Hipotecario. Zonaprop is listed as an emerging player.
Does Finaer have an API?
No public API is recorded for Finaer.
What industry is Finaer in?
Finaer's product category is Rental Guarantee Services. Its primary akta.pro industry code is FSAJAIAB, Commercial Surety Bonds, with a secondary code of FSAJAIAA, Contract Surety Bonds. Its NAICS code is 524 and its SIC code is 6351.