Fill vacancies faster with guaranteed tenants.
Eliminate rent arrears and administrative headaches. Settle* is your institutional guarantor.
Zero Risk
Settle* pays the rent on the 1st of every month, even if the tenant is late. We take the financial risk so you don't have to.
Zero Admin
One consolidated direct deposit. No chasing cheques, no late payment awkwardness. Simple, automated cash flow.
Vetted Professionals
We place high-income newcomers with verified employment and visa status. Our screening often exceeds standard domestic checks.
Risks Beyond the Credit Score
Traditional credit scores only flag "bad character." They are blind to the real-world shocks that cause rent defaults.
Life Events
- Divorce/Breakups (Income split)
- Job Loss / Layoffs
- Medical Emergencies
System Failures
- Banking glitches
- Forgot to pay
- Incorrect transfers
Legal Gridlock
- LTB Delays (8+ months)
- Professional Tenants
- Eviction administrative costs
"A credit score predicts none of these. Settle* guarantees all of them."
From Guesswork to Guarantee.
A credit score is a snapshot from last month. We analyze the cash flow from yesterday. We see the full picture, so you don't get blindsided.
Static & Backward-Looking
Traditional screening is like driving while looking in the rearview mirror. You only see the crashes after they've already happened. By the time a missed payment hits a credit report, the damage to your cash flow is done.
Predictive & High-Fidelity
We look through the windshield. By analyzing real-time cash flow, we identify hazards—income volatility or low buffers—before a payment is even due. That’s why we are confident enough to guarantee the rent.
We are the counterparty.
Settle* is not a screening tool; we are an institutional guarantor. When you partner with us, we take the resident's performance off your balance sheet and onto ours.
Read why 1950s credit scores fail in 2026Partner with Settle*
Join 50+ landlords across the GTA filling units faster.