Your rental income, on your timeline
Your property manager has partnered with Spot to give you direct access to your rental income.
Rental Income, Reimagined
Flexible tools that put you in control of when and how you get paid — no credit checks, no debt, no waiting.
Guaranteed Rent
Never worry about late or missed payments. Spot covers missed rent so your owners' income stays predictable.
- Get paid on time, every time
- Protection for up to 3 months
- Automatic coverage activation
Anytime Advance
Access up to 6 months of future rent on-demand in as little as 48 hours.
- Fund unexpected repairs fast
- No credit check required
- Funds in days, not weeks
Built for Property Owners Like You
Spot gives you control over your rental income — without the friction of traditional lending, credit checks, or lengthy underwriting.
Cash When You Need It
Access your rental income in under 48 hours — not weeks. Cover repairs, invest, or simply smooth out your cash flow.
No Credit Impact
Spot advances are based on your lease — not your credit score. Prequalify in under 2 minutes with zero paperwork.
On Demand Access
This is a purchase of your future rent receivables. No debt, no interest, no balance sheet impact. Repayment is automatic.
Built Into Your Portal
Your property manager has enabled Spot directly in your AppFolio owner portal. No new apps, no new accounts — just a new way to access your money.
From Request to Funds in Three Steps
Spot is built into your property management portal — no new apps, no new accounts, no waiting.
Submit Your Request
Start from your owner portal or fill out a quick intake form. Tell us about your property and which product(s) you're interested in.
- Takes under 2 minutes
- No credit check required
- Prequalify instantly
Review & Sign
Once eligible, simply review the terms and e-sign — no hidden fees, no surprises.
- Clear, transparent terms
- No origination fees
- Simple e-signature
Get Funded
Funds are pushed to your property manager's trust account and released to you — typically within 48 hours.
- Funded in under 48 hours
- Automatic repayment from rent
- Track everything in your portal
Owners Love Spot
"I had a major HVAC repair come up out of nowhere. Spot got me 4 months of rent in under 48 hours — no credit check, no hoops. Exactly what I needed."
"The process was incredibly smooth. I submitted my info, signed the agreement, and had funds within days. Way better than tapping a credit line or going through a lender."
"I was skeptical it wasn't a loan, but the terms were completely transparent — it's a receivables purchase, plain and simple. No interest, no debt. I'll definitely use Spot again."
"Having Guaranteed Rent means I don't lose sleep when a tenant is late. Spot covers it and my income stays consistent. It's been a game changer for my peace of mind."
Frequently Asked Questions
No. Spot is a purchase of your future lease receivables — not a loan. There's no credit check, no debt on your balance sheet, and no interest. Repayment happens automatically as your tenant's rent is collected.
You can access up to 6 months of future rental income. The exact amount depends on your lease terms and property eligibility. There's no minimum — request what you need, when you need it.
Most owners receive funds within 48 hours of signing their agreement. Spot handles eligibility review and contract prep quickly so you're not left waiting.
With Guaranteed Rent, Spot covers missed payments so your income stays consistent. For Anytime Advance, repayment adjusts based on rent collected — you're not on the hook if a tenant defaults.
Repayment is automatic. As your tenant pays rent each month, the advance is repaid through your property manager. There's nothing extra for you to do.
Not at all. Spot works through your property manager's existing AppFolio platform. You access everything from your owner portal — no new accounts, no switching providers.
Ready to Access Your Rental Income?
Your property manager has already done the hard part. Submit a quick request and get funded in as little as 48 hours.