Withco

Withco

Lease-to-own commercial property for small businesses

Overview

Withco provides a lease-to-own platform that helps small business owners transition from renting to owning their commercial properties. The company purchases the building where a business operates and enters into a lease agreement that gives the tenant a clear path to eventual ownership without requiring a large immediate down payment. Unlike traditional real estate deals that require difficult bank financing upfront, Withco acts as a financial partner to bridge the gap between renting and buying. Their goal is to make property ownership accessible to local entrepreneurs to help them build long-term wealth and stay rooted in their communities.

About Withco

Simplify's Rating
Why Withco is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Real Estate

Company Size

11-50

Company Stage

Early VC

Total Funding

$62.1M

Headquarters

New York City, New York

Founded

2019

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Simplify's Take

What believers are saying

  • NAR said Withco drew 17,000 applications and operates across 48 contiguous states.
  • Withco completed a $32 million round in February 2022 from top-tier investors.
  • Its 2025 content promises five-year ownership paths, reinforcing a simple, compelling employer narrative.

What critics are saying

  • Big Peach Car Wash sued Withco in July 2025 over rent and seizure requests.
  • The model depends on tenants qualifying for SBA loans after five years.
  • If exits stall, Withco becomes a landlord holding niche, single-tenant properties.

What makes Withco unique

  • Withco turns commercial leases into ownership paths, unlike standard landlords or brokers.
  • Its underwriting targets SBA-eligible tenants, filtering for businesses already financeable at exit.
  • Withco combines property acquisition, negotiation, and down-payment credits into one workflow.

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Funding

Total Funding

$62.1M

Above

Industry Average

Funded Over

4 Rounds

Notable Investors:
Early VC funding comparison data is currently unavailable. We're working to provide this information soon!
Early VC Funding Comparison
Coming Soon

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Unlimited Paid Time Off

Remote Work Options

Parental Leave

401(k) Retirement Plan

Health Savings Account/Flexible Spending Account

Commuter Benefits

Growth & Insights and Company News

Headcount

6 month growth

↑ 0%

1 year growth

↑ 0%

2 year growth

↓ -7%
FinSMEs
Feb 3rd, 2022
withco Raises $30M+ in Equity Funding

withco, a NYC-based commercial property ownership platform for small businesses, raised over $30 million in equity funding

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