# Garantti

> Rental guarantee MGA replacing the traditional guarantor in Brazil's residential rental market

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | LATAM |
| Headquarters | Belo Horizonte, Minas Gerais, Brazil |
| Founded | 2012 |
| Employees | 11-50 |

## Overview

Garantti is a rental guarantee MGA distributing garantia locaticia products through real estate agencies across the Brazilian residential rental market. The company's core product replaces the traditional fiador (personal guarantor) requirement for lease agreements, reducing friction for tenants while providing landlords and property managers with financial protection against default and property damage.

The MGA underwrites rental guarantee products covering landlords against rental non-payment, property damage, and related costs. Coverage is triggered from day 10 of a rental payment default and extends up to 40 times the monthly rental value. A proprietary credit analysis engine delivers approval decisions in approximately 2 seconds, supported by facial biometric identity verification and electronic contract signing integrated into the application workflow.

Garantti has operated since 2012 and distributes through a network of appointed real estate agencies spanning more than 700 Brazilian municipalities. The company is privately held and bootstrapped, with approximately 45 employees based at its Belo Horizonte headquarters.

## Products & services

### Garantia Locaticia \(Rental Guarantee\)

Digital rental guarantee product for the Brazilian residential rental market, designed to replace the traditional personal guarantor (fiador) in residential lease agreements.

**Key features:**

- Credit decision in approximately 2 seconds
- Coverage up to 40 times the monthly rent value
- Claims processing from day 10 of non\-payment
- Protection against rental default, property damage, and cleaning costs
- Legal consultation included for collections and eviction proceedings

*Target users:* Tenants seeking rental accommodation and real estate agencies managing residential properties across Brazil\.

*Distribution:* Through appointed real estate agencies

### Digital Onboarding and Fraud Prevention

Identity verification and contract signing tools embedded in the rental guarantee application workflow.

**Key features:**

- Facial biometrics for tenant identity authentication
- Electronic signature for rental contracts
- Fraud risk reduction through biometric verification at application

*Target users:* Real estate agencies and tenants applying for rental guarantee coverage\.

*Distribution:* Embedded within the rental guarantee product flow

## Links

- Website: <https://www.garantti.com.br>
- Directory profile: <https://insurtechlist.com/companies/garantti/>
- Linkedin: <https://www.linkedin.com/company/garantti>

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*Last updated: 2026\-07\-23*