“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?”
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.
Guesty discloses Celtic Bank as its banking provider, according to the Embedded Finance Index 2026.
Guesty does not disclose a bank charter of its own; its banking services are provided through Celtic Bank.
Guesty processes payments through GuestyPay (self-operated), Stripe, Hyp and Merchant Warrior.
Guesty's lending and capital products are provided by YouLend.
Guesty uses HedgeWiz for FX and cross-border payouts.
Guesty integrates with QuickBooks.
The Embedded Finance Index 2026 maps 6 layers in Guesty's stack: Payments / PSP (GuestyPay (self-operated), Stripe, Hyp and Merchant Warrior); Banking / BaaS (Celtic Bank); Lending (YouLend, Guesty Capital (working capital / term loans for property managers) and YouLend financing integration); Sponsor bank (Celtic Bank); FX & payouts (HedgeWiz); Accounting (QuickBooks).
Guesty was founded by Amiad Soto and Koby Soto and is founded in 2013, headquartered in Tel Aviv, Israel (with US presence in New York / Covina, CA).
Guesty has raised $240M+ in total (latest round: Series F, April 2024; valuation: $900M post-money (2024)).
Get a read on where your own stack stands against Guesty 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.