Eqaro Guarantees

Eqaro is India's first financial guarantees platform that offers surety solutions in lieu of traditional collaterals and cash deposits. The company combines credit analysis technology and reinsurance to enable individuals, entrepreneurs, and businesses to access capital and opportunities without conventional security requirements.

Core Products & Services

• Rental Guarantees (Rental Bonds) – Zero-deposit rental solution replacing traditional security deposits; covers unpaid rent, property damage, unpaid bills, and lock-in period breaches for tenants while providing landlords with verified tenants and guaranteed rental income protection

• Financial Guarantees for MSMEs – Collateral-free guarantee solutions providing access to working capital, asset financing, and inventory funding up to ₹25 lakh for micro, small, and medium enterprises without requiring traditional collateral

• Commercial & Contract Guarantees – Surety solutions for contract performance, supplier defaults, dealer obligations, and commercial transactions with MNCs, automobile companies, and leading NBFCs

• Resale Value Guarantees – Guaranteed buyback and assured resale value protection for electric vehicles and two-wheelers, mitigating depreciation risk for customers and OEMs

• Digital Claims Processing – Fully automated, hassle-free claims settlement processed within 5 working days with digital verification

Business Model & Revenue Streams

• Guarantee Fee Model – Revenue generated from fees charged to guarantee issuees (tenants, borrowers, or principals) based on the guarantee amount and tenure, typically calculated as a percentage of the security or loan amount

• Reinsurance & Counter-Guarantee Model – Backed by global reinsurance partners including Ion Insurance Company (USA), Southern Pacific Insurance Corporation (USA), and Northern Light Surety Company (SRL) who provide counter-guarantees and underwriting expertise

• Partner Ecosystem Revenue – Growth through partnerships with co-living operators, property management companies, real estate portals (Housing.com, NoBroker), NBFCs, and digital lending platforms sharing guarantee fees

• Tiered Scaling Model – Currently managing ₹3,000+ crore in guaranteed assets across 250,000+ properties; targeting ₹1,200-1,500 crore in annual revenues within 4-5 years by expanding product offerings and partner base to 150-200+ partners

• B2B & B2C Channels – Dual revenue streams through business-to-business partnerships (lenders, co-living operators, vehicle financers) and direct-to-consumer rental and loan guarantee products