stable home fund

What stable home fund does

Stable Home Fund is a New York-based non-profit founded in 2020 that provides zero-interest, no-fee rent relief microloans and administers rent relief programs for renters facing financial distress and eviction. Since inception, the organization has disbursed over $16 million in relief to more than 10,000 families across 46 states and Washington D.C. The borrower base is concentrated among lower-income working families: 79% earn less than 80% of Area Median Income, 69% are women, and 79% are Black or Latinx.

The organization operates two product lines. The flagship Rent Relief Loan Program issues zero-interest loans capped at 1–3 months of rent or $5,000 (whichever is less), disbursed directly to the borrower's property manager. The secondary Rent Relief Program Administration offering provides turnkey, white-label program management to government entities and local funders. Both products are delivered exclusively through Esusu's rent reporting platform, which provides identity verification, rent debt confirmation, fraud mitigation, ACH and debit-card servicing, and SOC 2 Type 2 certified data security. The application platform is available in seven languages (English, Spanish, Portuguese, French, Ukrainian, Mandarin, and Indonesian).

Stable Home Fund is funded through philanthropic grants, government program administration contracts, and direct donations rather than equity investment, and it earns no interest on its loans. Its go-to-market is channel-mediated: renters can only access the program if their property manager participates in Esusu's rent reporting network, creating a structural dependency on a single distribution and technology partner. The Program Administration line extends the model by enabling governments and funders to deploy their own capital through Stable Home Fund's infrastructure, positioning the organization as a technology-enabled program administrator. Governance is provided by a five-member board; no executive management team or headcount is publicly disclosed.

Name

stable home fund

Legal name

Stable Home Fund

Website

https://stablehomefund.org

Company type

Private

Founded year

2020

Operating status

Operating

Short description

Stable Home Fund is a New York-based non-profit that provides zero-interest rent relief microloans and administers rent relief programs for renters facing eviction across 46 U.S. states, operating exclusively through Esusu's rent reporting platform and funded by philanthropy and government contracts.

Ownership category

akta.pro rank

Product category

Rent Relief Services

NAICS

Community Housing Services (62422)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ), Community Development & Affordable Housing Funds (FSANAJAK)

Keywords

• Rent relief microloans
• Eviction prevention
• Housing stability programs
• Rent reporting platform
• Emergency rental assistance

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Rent Relief Microloans: Stable Home Fund provides zero-interest, no-fee rent relief loans to eligible renters experiencing severe financial distress. The loans are expected to be repaid so funds can be recycled to help additional families. Servicing department works with borrowers needing loan modifications for financial circumstances.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Stable Home Fund provides zero-interest, no-fee rent relief microloans (capped at 1-3 months of rent or $5,000, whichever is less) to renters facing eviction and severe financial distress. The organization also administers turnkey rent relief programs on behalf of local funders, governments, and philanthropies by integrating rent reporting, loan application, underwriting, and servicing through Esusu's rent reporting platform.

Product overview

Stable Home Fund operates as a dual-offering platform: its core product is the Rent Relief Loan Program, which provides zero-interest, no-fee microloans directly to renters facing eviction (capped at 1-3 months rent or $5,000). The secondary offering, Rent Relief Program Administration, is a modular service that enables local funders and governments to launch and manage their own branded rent relief programs using Stable Home Fund's technology platform. Both offerings leverage Esusu's rent reporting infrastructure for identity verification and fraud mitigation.

Differentiator

Problem solved

Functional benefit

Products and services

• Rent Relief Loan Program A flagship rent relief fund providing zero-interest, no-fee microloans to eligible renters experiencing severe financial distress. Loans range from 1 to 3 months of rent or up to $5,000, whichever is less, and are recycled upon repayment to help additional families. Renters must live in properties within Esusu's rent reporting network to be eligible.
• Rent Relief Program Administration Turnkey rent relief administrative services for local funders and governments to launch and manage their own branded rent relief programs. The platform integrates rent reporting and rent relief loan application, underwriting, and servicing, making it seamless for landlords and tenants to access programs.

Quantifiable outcome

• Over $16 million in rent relief distributed since 2020
• +5 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered core, major and minor.

• EsusucoreImplementation/ SI/ Consulting Partner · 1 January 2020Esusu serves as Stable Home Fund's program administrator, providing the technology platform for rent reporting and rent relief loan application, underwriting, and servicing. Esusu works with property managers and renters to report rental payment data to credit bureaus, improving renter credit scores. Esusu is a significant rent reporting partner of Fannie Mae and Freddie Mac. The partnership enables identity verification, landlord relationships, and fraud mitigation through SOC 2 Type 2 certified infrastructure.
• Government EntitiesmajorStrategic or Co-development PartnerStable Home Fund partners with government entities to facilitate turnkey, cost-effective rent relief program solutions for tenants and landlords. The organization creates customized platforms for government-administered rent relief initiatives.
• Property ManagerscoreChannel Partner/ Reseller/ DistributorProperty managers partner with Stable Home Fund by participating in Esusu's rent reporting network. They facilitate tenant access to rent relief programs and benefit from reduced tenant debt and eviction rates. Stable Home Fund helps property managers reduce tenant debt through the program.
• Research CollaborationsminorStrategic or Co-development PartnerStable Home Fund partners with research organizations to address societal problems related to housing instability and eviction prevention through data-driven approaches.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Esusu: Esusu is Stable Home Fund's exclusive platform partner and is itself a rent reporting company serving property managers and renters. While not a direct competitor, Esusu is the most directly comparable organization in the rent technology and housing stability space, and its distribution network is the gateway through which Stable Home Fund serves borrowers.
• Modest Needs Foundation: Modest Needs provides small, no-interest grants and loans to low-income workers facing short-term financial emergencies, including rent. It is a comparable nonprofit delivering targeted financial assistance to working families at risk of eviction or housing instability.

Emerging players

• The Bail Project: The Bail Project operates a revolving bail fund model that recirculates funds to support additional individuals — directly analogous to Stable Home Fund's recycled loan model applied to rent rather than bail. Both are nonprofits using revolving fund mechanics to address crisis-level financial emergencies.
• Compass Working Capital: Compass Working Capital provides financial coaching and asset-building programs for low-income families, including those in affordable housing. It is comparable as a nonprofit delivering financial stability programming to demographics that overlap with Stable Home Fund's borrowers.

Broad incumbents

• GiveDirectly: GiveDirectly delivers unconditional cash transfers to low-income households, an adjacent alternative to microloans for crisis relief. It is comparable as a leading nonprofit in the direct cash assistance space where Stable Home Fund operates, though Stable Home Fund scopes specifically to rent relief rather than general cash.
• Habitat for Humanity International: Habitat for Humanity is a large, established nonprofit focused on affordable housing for low-income families. While its primary model is homeownership, it is comparable as a broad incumbent in the affordable housing nonprofit space addressing affordability and stability for vulnerable households.

Others

• National Low Income Housing Coalition: NLIHC is a national advocacy organization focused on affordable housing policy and rental assistance. It is relevant as a sector peer influencing the policy environment in which Stable Home Fund operates, and within which government program administration contracts are determined.
• Local Initiatives Support Corporation (LISC): LISC is a large community development financial institution (CDFI) that funds affordable housing and community resilience initiatives. It is comparable as a nonprofit intermediary that channels philanthropic and government capital into housing stability programs similar to Stable Home Fund's model.
• Enterprise Community Partners: Enterprise Community Partners is a national nonprofit that invests in affordable housing finance and community development. It is comparable as a large-scale nonprofit intermediary working at the intersection of housing finance, government program administration, and renter stability — areas adjacent to Stable Home Fund's mission.
• National Housing Trust: National Housing Trust preserves and operates affordable rental housing and advocates for renter protections. It is comparable as a nonprofit in the housing affordability and renter stability ecosystem, relevant to understanding the broader landscape in which Stable Home Fund operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/stable-home-fund

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about stable home fund