← Embedded Finance Index 2026

Guesty

“Can a short-term rental property management platform become the complete financial operating system for professional STR operators — capturing payments, lending, cards, insurance, and accounting in a single vertical stack?”

Founded2013
HQTel Aviv, Israel (with US presence in New York / Covina, CA)
FoundersAmiad Soto, Koby Soto
Total raised$240M+
Latest roundSeries F, April 2024
Valuation$900M post-money (2024)
IndustryVertical SaaS / Real Estate
The story

Founded in 2013 as a concierge service for Airbnb hosts, Guesty quickly pivoted to B2B property management software as the short-term rental (STR) market professionalised. After establishing channel management and operations automation as its core, Guesty began layering embedded finance — starting with GuestyPay (payments), then Guesty Capital (lending), Guesty Card (corporate cards), and Guesty Shield (insurance) — transforming from a PMS into a vertical financial OS for STR property managers. The 2024 Series F at $900M signals a push toward profitability and further verticalization of financial services into the platform.

Last 12 months
2024-04
2025-03
2025-11
2026-01
Product timeline
2013
Founded as 'SuperHost' by twin brothers Amiad and Koby Soto to manage their own Airbnb properties.· pivot
2014
Rebranded to Guesty and pivoted from a service for homeowners to a software platform for property managers.· pivot
2021
Raised $50M Series D and acquired MyVR and Your Porter App, two property management software competitors.· acquisition
2022
Launched GuestyPay, a fully embedded proprietary payment processing solution for property managers.· banking
2023
Launched Guesty Capital (working capital lending) and Guesty Card (corporate expense cards) as embedded finance products.· lending
2024
Raised $130M Series F at $900M valuation led by KKR; launched Guesty Shield suite covering liability insurance, guest verification, and travel protection.· ipo
2025
Launched native QuickBooks integration for real-time reservation-to-accounting sync via Guesty Connect.· banking
2026
Expanded Guesty Trust Accounting with automated 1099 generation and end-of-year tax compliance workflows.· banking
The stack
6 layers disclosed in Guesty’s embedded-finance stack
Payments / PSP
GuestyPay (self-operated)StripeHypMerchant Warrior
Banking / BaaS
in the full report
Lending
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: minor
7 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.