For Guarantor InvestorsConvert your credit profile into currency. Earn 4%-5% annual income on every lease you back — no cash required, no property ownership.
Sample earnings
Your potential annual return
Live ratesFrom a $30,000 lease
Based on 5% annual rate · Credit score 750+ tier
Rate tiers by credit score
700–724725–749
750–799800+Why Guarantors Choose Share CreditYour credit profile is an asset. Put it to work — without lending money, uncapped liability, or taking on physical risk.
Earn passive income
Get paid for letting your strong credit back qualified renters. The better your score, the higher your tier — up to 5.5%.
No capital required
You never lend money or blindly sign a lease. Just qualify, get matched, and earn. Share Credit handles the rest.
700+ credit score
Qualified scores start at 700. Top earners (800+) unlock the highest payout tier. A $99 non-refundable application fee applies; no ongoing cost to stay on the network.
Humanity element
Behind every guarantee is a real renter — a teacher, a graduate, a single parent — who needs one yes to move forward.
Simple. Safe. Secure.Four steps. Most guarantors are earning within their first 30 days.
Step 01
Credit check + identity verification. We tell you instantly which tier you qualify for. No impact to your score.
Step 02
Our automation matches you to pre-qualified renters that fit your risk profile. Your choice on who you approve.
Step 03
Once you approve, Share Credit issues instant protection. No harm to credit, no money changes hands. You are protected by SimpliGuard™.
Step 04
You earn 4%–5% of annual rent, paid in monthly installments. Track everything in your dashboard.
Complete ProtectionYou're never personally exposed. SimpliGuard™ protects you with the Share Credit Guarantee, and our risk-managed underwriting backs every lease.
Guarantor Investor StoriesMembers of the Share CreditGuarantor Investor network share what it's like to earn passive income while helping renters secure homes.
"
My credit was just sitting there. Now it pays me $1,800 a year and I helped a teacher get her first apartment.
Sarah Chen
Software engineer · Seattle, WA
Earned
$1,800
in 12 months
Credit score
782
5.0% / yr
"
I qualified in 4 minutes. Within 3 weeks I was backing my first lease. The dashboard shows everything — no guesswork.
David Jones
Marketing manager · Austin, TX
Earned
$2,640
across 2 leases
Credit score
811
5.5% / yr
"
I love that there's a real person on the other side. I see who I'm helping. It's investing that actually feels good.
Jennifer White
Pediatrician · Brooklyn, NY
Earned
$1,500
first 9 months
Credit score
795
5.0% / yr
3,200+
Guarantor applicants
$1,420
Average annual earnings
4.9 / 5.0
Guarantor satisfaction
100%
On-time monthly payouts
$99 to apply · No ongoing cost
Check your eligibility in under 60 seconds. No impact to your credit score.