Get StartedLog In

How ShareCredit works.

Four steps from application to a signed lease, and the three documents everyone signs along the way.

I'm a Renter→I'm a Property OwnerI'm a Guarantor
Renters get approved.
Guarantors earn 4%–5.5% of annual rent.
Property managers get missed rent paid within 30 days.
$79 renter application fee (refundable if you don't qualify)
Modern green apartment building
FROM APPLICATION TO MOVE-IN

How a ShareCredit lease works.

STEP 1

01

Apply

Renters, property managers, and guarantors each create a ShareCredit account and follow their own steps.

  • ✓Apply in a few minutes
  • ✓Review in 1–2 business days
  • ✓No hard credit pulls
  • ✓Track every step in your dashboard

STEP 2

02

AI underwriting & matching

Renters get a ShareCredit Score and guarantors a credit tier. Renters who need one get a guarantor from our network.

  • ✓Income & credit analysis
  • ✓Identity & fraud check
  • ✓ShareCredit Score generated
  • ✓Matches shown in your dashboard

STEP 3

03

Approval & document signing

Three documents set out what the renter, guarantor, and property manager each agree to. Everyone signs digitally in the platform.

  • ✓Approvals in one dashboard
  • ✓Lease guarantee agreements
  • ✓All signed in-platform
  • ✓Copies kept on file

STEP 4

04

Move in with the lease backed

Renter moves in. Property manager gets paid. Guarantor starts earning. ShareCredit Lease Guarantee covers up to 12 months of missed rent.

  • ✓Move-in coordination
  • ✓Rent reporting for renters
  • ✓Guarantor payout options
  • ✓Up to 12 months of default cover
  • ✓Ongoing dashboard support
  • ✓Support Mon–Fri, 8–5 ET
SIGNED IN THE PLATFORM

Three documents, all signed in the platform.

Here are the three documents behind a ShareCredit lease, and who signs each one.

DOC 01

LEASE APPROVAL ASSURANCE

Renter Lease Agreement

SIGNED BYRENTERS

A formal commitment from ShareCredit confirming that the renter's profile has been underwritten, the guarantor is matched, and the lease is protected.

  • ✓State-specific lease template
  • ✓Renter & property manager sign
  • ✓Move-in date, rent, terms
  • ✓Renewal & termination clauses
  • ✓Permanently archived
  • ✓Auditable signing record
DOC 02

GUARANTOR APPROVAL ASSURANCE

Guarantor Lease Agreement

SIGNED BYGUARANTOR + RENTER

A formal commitment from ShareCredit confirming that the guarantor is qualified, agrees to be added to the final lease, and is protected by CreditGuardTM.

  • ✓Defines guarantor obligations
  • ✓Payout rate & schedule
  • ✓Capped exposure, 3–12 months
  • ✓ShareCredit-managed resolution
  • ✓Guarantor protection terms
  • ✓Term length & exit conditions
DOC 03

SHARECREDIT LEASE GUARANTEE

Final Lease Guarantee Agreement

SIGNED BYRENTER + GUARANTOR + OWNER

The legally binding ShareCredit Lease Guarantee agreement between the renter, the property manager, and the guarantor, setting out the lease's cover.

  • ✓All parties sign digitally
  • ✓Guarantee terms clearly defined
  • ✓Renter obligations confirmed
  • ✓Guarantor backing documented
  • ✓Lease Guarantee activated
  • ✓Final agreement stored securely
FREQUENTLY ASKED

How it works, answered.

Yes. Instead of asking a friend or family member to co-sign, you can be matched with a vetted guarantor from our guarantor network. The property manager still makes the final approval.

FOR RENTERS, GUARANTORS, AND PROPERTY MANAGERS

Start with the path that fits you.

Pick renter, property manager, or guarantor, and apply in a few minutes.

Get Started→