Crowdfunded credit for renters
Capital that favors the borrower, not the institution.
Renterscash routes crowdfunded liquidity into the industries that overcharge renters — subprime auto, security deposits, mortgage down payments, and payday. Fair, transparent yields for lenders. Sustainable APRs for borrowers.
Auto Refinance
Replace subprime traps with community-backed liquidity.
Rent Deposits
Bypass the credit-card debt cycle when signing your next lease.
Down Payments
Bridge the wealth gap with peer-funded equity acceleration.
Payday Alternative
End the predatory debt spiral with fair-market microloans.
Challenging institutional inefficiency through transparency.
The alt-credit model
Four signals.
Zero FICO.
We underwrite the things that actually predict repayment: months on the job, new skills earned, licenses held, and on-time platform history.
See the breakdownJob tenure
Months at your current employer. Three years earns full credit.
Skills & licenses
Each credential adds points. Verified ones count double.
Platform history
On-time repayments on Renterscash compound over time.
Income consistency
Self-reported monthly deposits — a small but real signal.
For lenders
Earn 6–10% funding your neighbors.
Pledge in $25 increments across requests underwritten by consistency, not legacy credit. Diversify across borrowers, use cases, and terms.