TheGuarantors is a fintech company and the largest lease guarantee provider in the United States, using AI-powered underwriting to make housing more accessible and more secure for renters and property owners. Its machine-learning systems are trained on more than 500 million data points and return approval decisions in an average of 9.6 seconds, with one application processed every 30 seconds. The technical work spans AI underwriting, risk modeling and lease guarantee underwriting, applied to high-volume decisioning across multifamily, student and single-family rental housing.
The company's dual-platform product issues lease guarantees that help qualified renters who might otherwise be turned away from homes, while protecting property owners against defaults, damages and vacancy. TheGuarantors has processed more than 1 million renter applications, protecting $6 billion in lease value across 3.5 million enrolled units. Nine of the country's top ten real estate operators are clients.
The company operates nationwide across the United States, serving the real estate, PropTech and fintech sectors. It was founded by Julien Bonneville after he personally encountered the difficulty of renting without established credit. TheGuarantors has been named among Inc. 5000's fastest-growing companies, Forbes' Best Startup Employers and Deloitte's Technology Fast 500.
