“Can a rent-reporting credit-building platform become the full financial wellness and property data OS for America's 45 million credit-invisible renters?”
Founded in 2018 with a focus on rent reporting and credit building for underserved renters, Esusu has progressively expanded from a single-product credit bureau reporting tool into a broader economic mobility and property management data platform. The company leveraged its position as a rent-reporting intermediary to layer in adjacent financial products—renters insurance, identity verification, rent relief, and BNPL for rent—creating a marketplace for property managers and renters. Its Goldman Sachs partnership and $130M unicorn round in 2022 validated the thesis of building financial identity for the credit-invisible, and the 2026 Affirm BNPL pilot marks a notable move into embedded lending.
Esusu processes payments through Esusu Pay (self-operated).
Esusu's lending and capital products are provided by Affirm.
Esusu integrates with NetSuite.
The Embedded Finance Index 2026 maps 3 layers in Esusu's stack: Payments / PSP (Esusu Pay (self-operated)); Lending (Affirm, Rent BNPL (split rent in two, no interest — Affirm pilot) and Rent Relief); Accounting (NetSuite).
Esusu was founded by Wemimo Abbey and Samir Goel and is founded in 2018, headquartered in New York, New York, United States.
Esusu has raised $195.4M in total (latest round: Series B, 2022; valuation: $1B+ (unicorn, 2022)).
Get a read on where your own stack stands against Esusu and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.