Afianzar Garantías SA

What Afianzar Garantías SA does

Afianzar Garantías SA is an Argentine rental guarantee provider founded in 2013 by Dra. Jessica E. Bruno and headquartered in Buenos Aires (CABA). The company replaces traditional property-backed rental guarantees with a contractual fianza product that covers landlords from contract inception until property restitution. Its portfolio comprises two tiers: the standard Garantía Tradicional, covering rent, ordinary expenses, ABL, AYSA, and legal costs in the event of tenant default; and Fianza VIP, launched in 2024, which additionally covers Luz (electricity) and Gas and is positioned as the only product of its kind in the Argentine market. Distribution is split between direct-to-consumer acquisition via a web platform (with an online calculator, digital application, property listings portal, and default reporting) and a channel partnership program with real estate agencies (inmobiliarias) that pays tiered commissions described as the highest in the market.

The underlying technology stack is a web-based platform with supporting self-serve tools (Cotizador Online, Solicitar Garantía, Buscar Inmuebles, Gestión de Incumplimiento) and an in-house legal department (Estudio Jurídico propio) that handles default proceedings and contract execution. Afianzar claims a 24-hour response time on applications and a rigorous creditworthiness review process that yields the lowest default rate in the market.

The business model is a transactional, one-time-fee structure: requests and approvals are free, with the guarantee fee only charged when the service is used. Pricing scales with rental contract value and duration, with discounts for upfront payment (35% contado, 15% for 2 installments, 10% for 3 installments) and additional installment financing options. Customer segments are three-sided — tenants (inquilinos), property owners (propietarios), and real estate agencies (inmobiliarias) — with horizontal segmentation across individuals and SMBs. The company is founder-owned and operated, privately held, with 1-10 employees and no disclosed external funding.

Name

Afianzar Garantías SA

Legal name

Afianzar Garantías S.A.

Website

https://afianzargarantias.com.ar

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Afianzar Garantías SA is a Buenos Aires-based rental guarantee provider founded in 2013 that replaces property-backed fianza with contractual guarantees covering rent, expenses, utilities, and legal costs for tenants, landlords, and real estate agencies across Argentina.

Ownership category

akta.pro rank

Product category

Rental Guarantee Services

NAICS

Insurance Carriers and Related Activities (524)

SIC

Surety Insurance (6351)

akta.pro primary industry

Estate & Probate Administration Services (FSAEAKAD)

Keywords

• Rental guarantees
• Lease guarantees
• Tenant guarantees
• Real estate guarantees
• Rental insurance

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Rental Guarantee Fees: One-time fees charged for rental guarantee services. The fee is only paid when the guarantee is utilized. Pricing varies based on rental contract value and duration, with discounts for upfront payment (35% for cash/contado) or installment plans (15% for 2 payments, 10% for 3 payments). Request and approval process is free.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Afianzar Garantías SA provides rental guarantee services that replace traditional property-backed guarantees for residential leases in Argentina. The company issues surety contracts (contratos de fianza) covering rent, expenses, ABL, AYSA, and legal costs from contract inception through property restitution, with an optional premium tier (Fianza VIP) that also includes electricity and gas coverage. The service is sold directly to tenants, property owners, and through partnerships with real estate agencies.

Product overview

Afianzar Garantías SA offers a dual-product rental guarantee portfolio consisting of the Garantía Tradicional (standard guarantee) and Fianza VIP (premium tier). Both products replace traditional property-backed guarantees by providing landlords comprehensive coverage from contract inception to property restitution. The Garantía Tradicional covers Rent, Expenses, ABL, Aysa, and Legal Expenses, while Fianza VIP extends this to additionally include Luz and Gas utilities. Supporting services include an online property search portal (Buscar Inmuebles), an instant cost calculator (Cotizador Online), a digital warranty request system, and a non-compliance reporting portal. The company also operates a partner program for real estate agencies (Inmobiliarias) offering tiered commissions and in-house legal support.

Differentiator

Problem solved

Functional benefit

Products and services

• Garantía Tradicional Standard rental guarantee product that covers landlords from contract start until property restitution. In case of tenant default, Afianzar pays Rent, Ordinary Expenses, ABL, Aysa (water), and Legal Expenses. Targeted at tenants seeking to rent residential properties without property collateral.
• Fianza VIP Premium rental guarantee tier that extends traditional coverage to include Luz (electricity) and Gas utilities, making it the most comprehensive guarantee offering in the Argentine market. Includes a new referral program allowing existing customers to earn benefits by referring new clients. Targeted at property owners seeking the most extensive coverage available.
• Programa para Inmobiliarias Real estate agency partnership program offering exclusive benefits, tiered commissions (20% or more), rigorous tenant credit analysis, and in-house legal services for rapid legal action. Targeted at real estate agencies (inmobiliarias) that manage rental properties.

Quantifiable outcome

• Lowest default rate in the Argentine rental guarantee market
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• Lemonade: Digital-first insurer offering renters insurance and increasingly serving as a credit/guarantee layer in the US rental ecosystem. Not a direct surety underwriter but operates in the adjacent renter-landlord insurance value chain with a technology-led, mobile-first UX that mirrors Afianzar's self-serve funnel.
• Travelers: Large US P&C insurer with a dedicated surety bond business underwriting commercial, contract, and miscellaneous surety bonds. Although Travelers does not specialize in Argentine residential rental guarantees, it is a benchmark for underwriting discipline, scale, and capital reserves for the broader surety category in which Afianzar operates.
• Zurich Insurance: Global insurer with surety offerings across Europe, the Americas, and Asia, including Latin America. Provides reference scale and underwriting standards for the surety industry; competes with Afianzar at the high end of the rental/contract guarantee market.
• Liberty Mutual Insurance: Global P&C insurer operating a sizable US Surety division and international surety franchises across Latin America. Most likely source of competitive pressure on Afianzar in scale, capital, and cross-border capability; relevant comp for any future regional expansion by Afianzar.

Direct peers

• Rhino: US fintech that offers security-deposit replacement and related renter credit/insurance products. Comparable operating model to Afianzar's "no property collateral required" guarantee, monetized per contract with landlords/operators as the revenue counterparty. Distribution via property managers and operators mirrors Afianzar's inmobiliaria channel strategy.
• TheGuarantors: US-based rental insurance company that underwrites lease guarantee bonds paid out to landlords when tenants default. Closest functional analog to Afianzar: B2B/B2C surety product targeting landlords and renters, with rapid online approval and tiered coverage. Different geography and pricing structure but same insurance/surety model.
• Jetty: US provider of deposit-replacement surety bonds and embedded insurance products marketed to property operators. Shares Afianzar's core thesis (replace traditional collateral with a paid surety/guarantee product) and operates in a similar property-management-channel-led GTM. Less mature geographic footprint but directly comparable product.

Regional players

• La Caja Seguros: Argentine insurance group historically active in rental guarantee and surety products. Direct domestic competitor/peer to Afianzar within Argentina, with broader product portfolio but overlapping target customers (landlords and renters in CABA and key provinces).
• Sancor Seguros: Argentine cooperative insurer with broad P&C and specialty lines including surety and contract bonds. Operates in the same Argentine regulatory market as Afianzar with materially larger balance sheet; represents the most credible incumbent threat and a potential partner/acquirer.

Others

• RentSpree: US rental application and screening platform used by property managers and landlords. Closely adjacent: complements the same rental transaction workflow in which Afianzar sells guarantees, and is a potential integration partner as Afianzar scales its digital self-serve funnel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AfianzarGarantias
• Instagraminstagram.com/afianzargarantias

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Afianzar Garantías SA