TheGuarantors provides fintech-powered insurance and financial services tailored for real estate professionals and renters, acting as a licensed insurance agent and broker connected to a network of partner insurers. It pairs clients with those insurers to obtain tailored coverage and, as a licensed broker, facilitates policy purchases, risk management tools, and related financial services, earning commissions and fees. The company combines fintech-enabled insurance with a specialized focus on brokers, landlords, and renters across residential and commercial real estate markets through multiple insurer partners. Its goal is to help real estate professionals and renters manage risk and access financial opportunities through targeted insurance products and related financial services.
Company Size
201-500
Company Stage
Debt Financing
Total Funding
$172.8M
Headquarters
New York City, New York
Founded
2015
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Health Insurance
Dental Insurance
Vision Insurance
Health Savings Account/Flexible Spending Account
Unlimited Paid Time Off
Flexible Work Hours
401(k) Retirement Plan
Paid Parental Leave
Company sponsored short and long term disability
Flexible Spending Accounts
TheGuarantors and TransUnion SmartMove collaborate to help independent property owners approve more renters with confidence. NEW YORK, September 30, 2026 (Newswire.com) - TheGuarantors, the nation's #1 lease guarantee provider, and TransUnion SmartMove, the leading renter screening solution for independent property owners, today announced a collaboration that gives property owners a new way to approve borderline applicants without absorbing the risk themselves. TransUnion SmartMove property owners who screen an applicant and want additional reassurance before signing a lease will now have access to TheGuarantors' Lease Guarantee. With over 46 million rental households in the U.S., and renters accounting for nearly 80% of all new household growth in 2025, the demand for rental housing is stronger than ever. Yet independent property owners regularly face a difficult decision: an applicant with imperfect credit, income below preferred thresholds, or limited rental history who may not meet requirements on paper, but could be a quality resident who pays on time. Approving them without financial protection is a risk owners shouldn't have to absorb. Under the collaboration, property owners using TransUnion SmartMove to screen prospective renters will be able to offer TheGuarantors' Lease Guarantee as a pathway for applicants who fall short of their standard approval criteria. Rather than declining a renter outright, requiring a larger upfront deposit, or taking on risk themselves, owners can give applicants a route to approval that provides coverage from TheGuarantors against missed rent. TheGuarantors' Lease Guarantee gives property owners the confidence to approve renters knowing they have added protection against the financial impact of renter default. TheGuarantors has processed over one million renter applications and protects over $7 billion in lease value nationwide. TransUnion SmartMove gives owners access to robust credit, criminal, and eviction screening reports; its proprietary ResidentScore(R) helps predict eviction risk better than a standard credit score in the highest-risk applicant range. Together, the two companies are connecting the moment of the screening decision directly to a financial safety net, helping reduce friction and giving owners the peace of mind to approve more quality applicants with ease. Maitri Johnson, Senior Vice President and Head of Tenant and Employment Screening at TransUnion said: "SmartMove was built to give independent property owners access to the same caliber of screening tools as the largest property owners and operators. Adding TheGuarantors extends that mission. Landlords don't just get a clearer view of applicant risk, they get an option to approve more quality renters with confidence. That's a meaningful step forward for property owners and for the renters who deserve a fair shot at housing." Julien Bonneville, Founder and Chief Executive Officer of TheGuarantors, said: "Independent property owners are often making high-stakes decisions on their own, with little to no safety net. Our collaboration with TransUnion SmartMove puts rent protection in their hands at exactly the right moment, right after applicant screening. We want owners to be able to say yes more often, and we want renters who are close to qualifying to have a real path to getting a home. This collaboration makes both possible." About TheGuarantors TheGuarantors is a fintech leader redefining access for renters and risk mitigation for property owners and managers. Through insurance-backed lease guarantees and AI-driven renter underwriting, the company supports more inclusive housing access while helping owner-operators secure rent roll and minimize bad debt. Trusted by 10 of the top 10 U.S. multifamily operators, TheGuarantors is available in nearly four million units nationwide, protects more than $7 billion in lease value, and is backed by 15 balance sheet partners. Learn more at theguarantors.com. TransUnion SmartMove is the renter screening solution of choice for independent property owners across the U.S., and part of TransUnion, one of the three major nationwide consumer reporting agencies, serving thousands of businesses and hundreds of millions of consumers globally. SmartMove was purpose-built to bring enterprise-grade screening capabilities to independent property owners: no subscriptions, no setup fees, and a fully digital process that delivers reports to independent property owners. Learn more at mysmartmove.com.
TheGuarantors, a provider of residential lease guarantee solutions and AI-powered underwriting for rental housing, has secured a majority investment from Warburg Pincus. The funding will support platform expansion, data and AI capabilities development, and partnerships with property owners nationwide. The company supports over 3.5 million rental units across major US property management firms and has protected more than $6 billion in lease value. Its automated underwriting engine uses machine learning and alternative data to render risk decisions in under 10 seconds. The investment addresses growing challenges in multifamily housing, where over 20% of renter households fail to qualify on first attempt whilst property owners face rising costs. TheGuarantors will continue operating under existing leadership led by founder and CEO Julien Bonneville.
Kikoff and TheGuarantors partner to help renters build credit. 17 Marzo 2026 Partnership provides free rent reporting, including up to two years of past payments, to help renters build credit while securing housing SAN FRANCISCO-(BUSINESS WIRE)-#Credit-Kikoff, a financial technology company focused on helping consumers build credit and achieve financial security, today announced a partnership with TheGuarantors, a certified B Corp and the nation's leading lease guarantee provider, helping expand housing access for renters while mitigating risk for multifamily owners and operators. Through the partnership, Kikoff and TheGuarantors will offer a free credit-building package to all applicants who interact with TheGuarantors' platform - both renters approved for a Lease Guarantee and those who are not yet able to qualify. The package is free for renter applicants, while existing alternatives in the market cost a minimum of $85 retail value. It includes reporting up to 24 months of past rent payments, along with ongoing reporting of future on-time rent payments to Equifax and TransUnion to help renters build and strengthen their credit profiles. Millions of Americans rely on rental housing each year. Roughly 44 million U.S. households rent their homes, representing about one-third of all households nationwide. Many are increasingly relying on guarantor services because their credit profiles do not meet traditional underwriting standards. Rent is typically their largest recurring monthly expense, yet those payments have historically not helped them build credit. This partnership is designed to support renters as they work towards greater financial stability. Opening Doors to Financial Progress TheGuarantors helps renters qualify for homes by replacing the need for a personal guarantor. Through its insurance-backed lease guarantees, the company enables renters who may not meet traditional application criteria to secure housing while providing financial protection to property owners and operators. Kikoff provides accessible credit-building tools designed to lower barriers to long-term financial opportunity. Together, the companies are connecting housing access with credit building, helping renters translate one of their most consistent financial obligations into measurable progress toward stronger credit profiles. Through this partnership, on-time rent payments will be reported to Equifax and TransUnion, with renters able to receive up to two years of past payment history added to their credit record. "Access to housing is fundamental to financial stability," said Cynthia Chen, Founder and CEO of Kikoff. "Many renters who use guarantor services are early in their credit journey or actively rebuilding. By offering free rent reporting, including past payments, we're helping ensure that responsible renters can achieve measurable credit progress and take another step toward lasting financial stability." By combining lease access with credit reporting, Kikoff and TheGuarantors are helping renters build stronger financial foundations, while improving their ability to qualify for housing independently over time. ABOUT KIKOFF Kikoff is a personal finance platform on a mission to make financial security accessible to everyone. Through simple, radically affordable products powered by technology and AI, Kikoff helps people build credit, lower debt, and move toward lasting financial stability. To date, more than four million people have increased their credit scores by over 240 million points. Kikoff's growing suite of products also helps users reduce debt, save money, access liquidity, and unlock greater financial opportunity. Learn more at Kikoff.com or by downloading the Kikoff app. ABOUT THEGUARANTORS TheGuarantors is a fintech leader redefining access for renters and risk mitigation for multifamily owners and operators. Through insurance-backed lease guarantees and AI-driven renter underwriting, the company supports more inclusive housing access while helping operators secure rent roll and minimize bad debt. Trusted by 9 of the top 10 U.S. multifamily operators, TheGuarantors is available in more than 3.5 million units nationwide and protects more than $6 billion in lease value. Learn more at theguarantors.com.
Kikoff, a financial technology company focused on credit building, has partnered with TheGuarantors, a lease guarantee provider, to offer free credit-building tools to renters. The package includes reporting up to 24 months of past rent payments and ongoing future payments to Equifax and TransUnion. The service targets renters who use guarantor services to qualify for housing, helping them build credit through their largest monthly expense. Approximately 44 million US households rent their homes, representing one-third of all households nationwide. The partnership combines TheGuarantors' insurance-backed lease guarantees with Kikoff's credit-building platform. The package is free for renters, whilst existing market alternatives cost a minimum of $85. Kikoff has helped over four million users increase their credit scores by more than 240 million points collectively.