# TheGuarantors

TheGuarantors is a Financial Services based in New York, United States.

## Overview

- **Organization type:** Financial Services
- **Headquarters:** New York, United States
- **Region:** North America
- **Address:** New York, NY, United States
- **Assets under management:** Undisclosed
- **Website:** theguarantors.com
- **LinkedIn:** https://www.linkedin.com/company/the-guarantors

## Regulatory record

- **Reports private funds:** No

## About

Discover TheGuarantors: Revolutionizing rental access and affordability for American households with innovative fintech solutions and best-in-class partnerships.

## Sectors

- FinTech
- InsurTech
- PropTech

## People

- Julien Bonneville — Chief Executive Officer
- Bob Schmidt — Chief Revenue Officer
- Leo Quentzel — Chief Operating Officer
- Amanjot Khaira — Chief Product & Technology Officer
- Casey Lasda — EVP of Customer Success & Underwriting
- Elsa Liao — Head of Insurance Strategy
- Jesse Schmidt — EVP of Sales, NY Metro & Emerging Solutions
- Sofia Skarlatos — Head of Legal
- Aaron Victorson — EVP of Sales & Revenue Operations
- Karin Wilkins — SVP of People
- Krishna Daswani — SVP of Marketing

## Questions

### How does TheGuarantors actually underwrite a renter?

The firm uses an AI-driven model trained on over 10 million data points to assess a renter’s ability to pay beyond traditional credit scores. An application takes roughly 3 minutes to complete, and the platform returns a binding guarantor decision in a median 9.6 seconds. The model weighs income, employment, and rental history variables that conventional screening overlooks.

### Which property owners does the firm work with?

TheGuarantors reports that 9 of the top 10 US multifamily operators use its products, which are embedded in the operator’s screening workflow and cover more than 4 million units. Its technology is deployed across a national owner-operator base—from institutional portfolios to emerging regional landlords—creating a network effect on the underwriting data it collects.

### What coverage does the lease guarantee actually provide to an operator?

The guarantee covers four loss categories: tenant default on rent, vacancy between leases, property damage exceeding the security deposit, and legal fees tied to eviction or collections. The underwriting obligation sits with TheGuarantors, insulating the operator from balance-sheet exposure on approved guarantor-backed leases.

### Does the firm invest in real estate or simply intermediate risk?

TheGuarantors does not acquire, develop, or finance real estate. It intermediates risk by issuing a financial guarantee that shifts tenant default exposure from the property owner to its institutional platform. The firm makes money on the spread between the tenant-paid guarantee fee and the risk transfer cost, not on asset appreciation.

### What volume has the firm processed since launch?

The company publicly reports processing more than 1 million renter applications, with a stated cadence of one application every 30 seconds and an instant-decision engine clearing a file in 9.6 seconds on average. No cumulative dollar value of lease obligations guaranteed has been disclosed.

### How is TheGuarantors funded on its own balance sheet?

The firm has not publicly disclosed its capital structure or whether it has taken venture or growth-equity funding. Its risk-bearing capacity is backstopped by unnamed insurance partners, but the equity capitalization behind the operating company itself remains undisclosed.

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- [LUXUS](https://altss.com/profile/luxus)

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Last updated: 2026-06-03T20:00:00.000Z

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