Earn passive income on your good credit.
Back pre-qualified renters with your credit and earn 4%–5.5% a year on every lease you back. You never put money down.
Requires a 700+ credit score and $50,000+ in liquid assets. Who qualifies
Sample earnings
Your potential annual earnings
Live ratesFrom a $30,000 lease
5% rate · 750–799 tier · paid at end of lease
Rate tiers by credit score
700–724725–749
750–799800+Who qualifiesYou need both to be approved.
If you don't meet both requirements yet, please don't apply. We won't be able to approve your application.
700+
Credit score
Your score also sets your earnings tier, from 4.0% a year at 700–724 up to 5.5% at 800+.
$50,000+
In liquid assets
Cash and investments: checking, savings, brokerage accounts, stocks, bonds and CDs. Your home, retirement accounts and vehicles don't count. You never put this money down.
Why Guarantors Choose ShareCreditWhat you get as a guarantor.
Your credit profile is an asset. Put it to work — without lending money, putting money down, or taking on uncapped risk.
Earn passive income
4%+ annual income on every lease.
Get paid for letting your strong credit back qualified renters. The better your score, the higher your tier — up to 5.5%.
No money down
No money down. You choose every lease.
You review each match and choose which leases to back. We deal with the renter and property manager, so you only deal with us.
700+ credit score
Earn more with a higher score.
Qualified scores start at 700, and 800+ scores get the highest payout tier. Applying is free for a limited time (normally $99), and there's no ongoing cost to stay in the guarantor network.
Who you're helping
Help pre-qualified renters get a home.
Each lease you back belongs to a pre-qualified renter who needs a guarantor to get approved.
How it worksFrom application to first payout.
Four steps. Most guarantors are earning within their first 30 days.
Step 01
Find out your tier
We run a soft credit check and verify your identity, then show you your tier. No impact to your score.
Step 02
Automatic matching
We match you with pre-qualified renters that fit your guarantee limits. You choose which ones to approve.
Step 03
Back the lease
Once you approve a renter, we handle the rest. Soft credit pulls only and no money upfront. Your exposure is capped by CreditGuard™.
Step 04
Choose how you get paid
Earn 4%–5.5% of annual rent, paid in full at the end of the lease, or take it monthly or upfront at a lower rate.
How you're protectedBack any lease. Your exposure is capped.
CreditGuard™ caps what you could owe at the cover shown on each lease, from 3 to 12 months of rent. If a renter misses rent, we pay the property manager, collect from the renter, and only come to you for what we can't recover.
Guarantor Investor StoriesWhat guarantors say about ShareCredit
Guarantors share what it's like to earn from their credit while helping renters get approved.
"
My credit was just sitting there. Now it pays me $1,800 a year and I helped a teacher get her first apartment.
David Okafor
Software engineer · Seattle, WA
Earned
$1,800
in 12 months
Credit score
782
5.0% / yr
"
I qualified in 4 minutes. Within 3 weeks I was backing my first lease. The dashboard shows everything — no guesswork.
Sarah Chen
Marketing manager · Austin, TX
Earned
$2,640
across 2 leases
Credit score
811
5.5% / yr
"
I love that there's a real person on the other side. I see who I'm helping. It's investing that actually feels good.
Priya Patel
Pediatrician · Brooklyn, NY
Earned
$1,500
first 9 months
Credit score
795
5.0% / yr
3,200+
Guarantor applicants
$1,420
Average annual earnings
4.9 / 5.0
Guarantor satisfaction
3
Ways to get paid: upfront, monthly or at term
Free to apply for a limited time (normally $99)
Turn your credit into income.
Check your tier in a few minutes. No impact to your credit score. Requires a 700+ credit score and $50,000+ in liquid assets.