Inclusion by design
Creditworthiness should open doors. We look at a renter's income and rental history as well as their credit score.
Building trust in every lease.
ShareCredit was founded so renters with steady income don't get turned down over a credit score alone.
OUR MISSION
Make every qualified renter approvable.
Renters with stable income and good financial habits get denied housing because their credit profile doesn't fit one rigid template. Meanwhile, property managers lose months of rent to empty units.
ShareCredit looks at income and rental history as well as credit, matches renters with a vetted guarantor if needed, and backs approved leases with the Lease Guarantee.
LEASES10,000+Renters approved through ShareCredit
RENT$250M+Estimated rental values
WHAT WE BELIEVEOur values
Protection for all
Renters, property managers, and guarantors each need a safety net. Missed rent is paid within 30 days, and a guarantor's exposure is capped.
Speed without shortcuts
We review applications in 1–2 business days and run the same checks on every renter.
Credit sharingCredit, put to work.
ShareCredit lets people with strong credit back a renter's lease and earn 4%–5.5% of annual rent for it. We check both sides, and CreditGuard™ caps what a guarantor could owe.
The lease guarantor platformMEET THE TEAMPeople behind ShareCredit
ShareCredit is built by a team with backgrounds in software, consumer finance, and real estate. We started it to fix how leases get approved for renters who don't fit a credit-score template.
People with strong credit back a renter's lease and earn 4%–5.5% of annual rent, renters get approved without asking family to co-sign, and property managers get the Lease Guarantee on every approved lease. We handle the underwriting, the matching, and any collections in between.
Work with ShareCredit