Every ShareCredit service is designed to streamline the lease approval process for renters, property owners, and guarantors.
Default protection for every lease.
Our added-value safety net. CreditGuardTM protects the lease itself — so if the renter ever defaults, the owner and the guarantor are made whole, automatically.
Renter approval score, in real-time.
Every renter gets a transparent Approval Score — calculated from credit, income, identity, and rental history signals. Updated as your profile evolves.
EXCELLENT — APPROVEDUpdated in real-time as your profile evolves
The engine behind every approval.
Our proprietary underwriting engine scores every applicant in seconds — analyzing dozens of signals to surface qualified matches and surface risk before it costs anyone.
LIVEVerified, vetted, ready to sign.
When a ShareCredit renter sends an application, you receive a fully verified file — backed by a qualified guarantor and the ShareCredit Guarantee — ready for one-click approval.
Earn passive income on good credit.
A network of pre-qualified guarantor investors with 700+ credit scores, ready to back leases for vetted renters — and earn 4%–5% annually on every backed lease.
Per backed lease · 5% annual rate
AN INTERCONNECTED PLATFORMEvery service strengthens the other. Our AI underwriting engine powers the ShareCredit Score, which qualifies renters and guarantors, and protects property owners on every lease.
Complete protection for property owners
THE FULL SHARECREDIT STACK
Whether you need lease protection, AI underwriting, or guarantor investors — we make it work together.