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How ShareCredit works.

Four steps to a fully approved lease. Three documents that protect everyone involved. Zero friction for renters, owners, and guarantors.

I'm a Renter→I'm a PropertyI'm a Guarantor
Renters get approved.
Guarantor investors earn passive income.
Property owners secure more leases with added protection.
$79 application fee applies (no refunds)
Modern green apartment building
FROM APPLICATION TO MOVE-IN

The full ShareCredit journey.

STEP 1

01

Apply

Renters, property owners, and guarantor investors create a free ShareCredit account follow the steps.

  • ✓3-min application
  • ✓Instant review process
  • ✓No hard credit pulls
  • ✓Full transparency across the platform

STEP 2

02

AI underwriting & matching

Our proprietary AI scores every renter, qualifies every guarantor, and pairs them with the right opportunity in real time.

  • ✓Income & credit analysis
  • ✓Identity & fraud check
  • ✓ShareCredit Approval Score generated
  • ✓Live matches in your dashboard

STEP 3

03

Approval & document signing

Three documents formalize the ShareCredit protection structure. Everyone signs digitally. No paperwork. No back-and-forth.

  • ✓Lease approval automation
  • ✓Lease guarantee agreements
  • ✓All signed in-platform
  • ✓eSignature-ready

STEP 4

04

Lease secured. Everyone protected.

Renter moves in. Owner gets paid. Guarantor starts earning. ShareCredit Guarantee keeps all three protected for the full term.

  • ✓Move-in coordination
  • ✓Automated monthly payments
  • ✓Guarantor monthly earnings
  • ✓12-month default protection
  • ✓Ongoing dashboard support
  • ✓24/7 issue resolution
SIGNED IN ONE SESSION

Secure lease agreements. One signing session.

Every ShareCredit lease is formalized by three legally distinct documents — each designed to protect all parties in the transaction.

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 & owner sign digitally
  • ✓Move-in date, rent, terms
  • ✓Renewal & termination clauses
  • ✓Permanently archived
  • ✓Auditable signing record
DOC 02

GUARANTOR LEASE AGREEMENT

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
  • ✓Default & recovery process
  • ✓ShareCredit managed resolution
  • ✓Guarantor protection terms
  • ✓Term length & exit conditions
DOC 03

LEASE AGREEMENT ADDENDUM

Final Lease Guarantee Agreement

SIGNED BYRENTER + GUARANTOR + OWNER

The legally binding ShareCredit lease guarantee agreement between the renter, the property owner, and the guarantor. Providing guaranteed protection to everyone.

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

How it works, answered.

Yes. Instead of asking a friend or family member to sign your lease, ShareCredit pairs you with a qualified guarantor investor who is financially vetted — so the lease is approved with zero personal entanglement.

THREE PARTIES. ONE PLATFORM. ZERO FRICTION.

Ready to see ShareCredit work for you?

Whether you're renting, listing a property, or earning as a guarantor — get started in under 3 minutes.

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