The model

How the score works.

Renterscash issues an alternative credit score on a 0–850 scale. Every borrower starts at a baseline of 300, then earns up to 550 more points across four signals.

Job tenure

40% of your score

We weight how long you've been at your current employer more than anything else. Why? Because for short-term loans, employment stability predicts repayment far better than a credit-card history from a decade ago. Three full years of tenure earns the full 40%.

Skills & licenses

30% of your score

Every credential you add lifts your score. A driver's license, a CDL, a barber's certificate, a coding bootcamp completion. Verified credentials count double. The model rewards people investing in themselves.

Platform history

20% of your score

On-time repayments on Renterscash compound. First-time borrowers start neutral — we don't punish a thin file. As you build a track record here, this signal becomes the most predictive thing about you.

Income consistency

10% of your score

Self-reported monthly income. We don't require pay stubs in this version — it's a small but real signal that completes the picture.

The crowdfunding piece

1. A borrower posts a request: $100–$1,500, 2–8 week term, plain-English purpose.
2. Lenders browse open requests and pledge $25 or more.
3. Once the request is 100% funded, the loan disburses.
4. Repayments flow back to lenders on the published schedule.
5. On-time repayments lift the borrower's score for next time.

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