Guaranteed cashflow for your owners.
A new revenue stream for you.
Help your owners get paid on time, every time. Offer more than just property management.
Financial products for your owners
Offer one or both, depending on what each owner needs.
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
- Coverage starts automatically
Rent Advance
Get up to 6 months of future rent on demand, in as little as 48 hours.
- Fund unexpected repairs fast
- No credit check required
- Funds arrive within 48 hours
See what Spot adds to your bottom line
Enter your door count and average rent, then pick how many doors you expect to activate. You'll see the revenue share Spot pays you. Spot funds and services every enrollment, so it costs you nothing to deliver.
Share of doors on at least one Spot product: 18% on Guaranteed Rent, 18% on Rent Advance, 6% using both.
Your annual revenue share from Spot
Spot pays you this for offering Guaranteed Rent and Rent Advance to your owners. Spot funds and services every activated door, so it costs you nothing to deliver.
From 75 activated doors · $270 per activated door per year
Guaranteed Rent revenue share
45 doors · paid monthly
Rent Advance revenue share
45 doors · paid on each advance
Not included above
Management fees you keep
3.8 owners who stay instead of leaving
Annual owner rent backed by Spot
Revenue share over 5 years
Cost to you
See assumptions
- Equal shares of doors use Guaranteed Rent and Rent Advance; one-third of Rent Advance doors also use Guaranteed Rent.
- Guaranteed Rent revenue share: 1% of monthly rent on GR doors.
- Rent Advance: owners advance an average of 3 months of rent per year; you earn 2% of the amount advanced.
- Retention: 5-point lift on activated doors (90% → 95%), management fee of 10% of rent. Not included in the headline figure.
- 5-year figure repeats the annual revenue share and doesn't add portfolio growth.
Illustrative estimate only, not a guarantee of results.
Spot buys future rent
Spot buys an owner's future rent as a lease receivable and pays for it on a set schedule or when the owner asks. It isn't insurance and it isn't a loan, so there's no claim to file and nothing touches the owner's credit.
The lease
Your tenant signs a lease
That lease creates rent the owner is owed every month.
The purchase
Spot buys that future rent
It's a purchase, not a loan, so there's no debt and no credit pull.
The payout
The owner gets paid
On schedule every month with Guaranteed Rent, or on demand with Rent Advance.
Go Live in Minutes
Offer embedded financial services to your property owners through AppFolio, with no code to write and no added overhead.
Connect via AppFolio Stack
Turn on the integration from the Stack Marketplace. No technical setup required.
- No coding or IT resources
- Works with your existing AppFolio
Introduce to your owners
We provide co-branded materials. Owners access Spot through their portal.
- Co-branded owner materials
- Owner education and FAQ
Deliver value and grow
Owners get predictable rent. You keep more of them and earn on every activated door.
- Earn a revenue share
- Reduce owner churn
Spot does the work for you
| Feature | Spot | Rent-default insurance | Rent advance apps | Tenant-facing products |
|---|---|---|---|---|
| How the owner gets paid | On schedule, automatically | After a claim is filed and approved | Lump sum, then the owner manages the rest | Only if the tenant enrolls |
| Claims or paperwork | ✓ None | Required | Application per advance | Varies |
| Depends on tenant opt-in | ✓ No | No | No | Yes. Most tenants don't enroll |
| Runs inside AppFolio | ✓ Yes | Typically separate | Typically separate | Varies |
| Revenue for the PM | ✓ Yes | Sometimes | Rarely | Sometimes |
Frequently asked questions
Spot gives both sides financial flexibility. PMs get a new revenue stream and keep more of their owners. Owners get predictable rent and access to capital when they need it.
Most owners receive funds within 48 hours of signing their agreement. Spot moves quickly on eligibility review and contract prep, so you're not left waiting.
No. Spot Rent Advance is a purchase of future lease receivables. It isn't a loan, so there's no credit check and no debt on your balance sheet. Spot collects the rent it purchased as tenants pay, so there's nothing for the owner to pay back.
With Guaranteed Rent, Spot covers missed payments so the owner's income stays consistent. With Rent Advance, Spot takes on the collection risk, and property managers carry zero liability.
Spot currently integrates with AppFolio through the Stack Marketplace. We're working on more platforms. Contact us if you'd like to hear when yours is supported.
Ready for predictable cash flow?
Schedule a demo to see how Spot can help your property management company grow.