Trust, verified
before the lease is signed.
CrediSure is the identity, income and rental-credit assurance layer for the South African rental market. One screening - portable across every landlord and agent.
CrediScore Pass
Approved
Thandi M. · ID verified
02 · The problem
The SA rental market runs on guesswork.
Landlords risk their biggest asset on a stack of photocopied documents. Tenants get shut out by opaque, slow vetting. No one has a single source of truth.
68%
of landlords have suffered tenant fraud or non-payment in the last 3 years.
21 days
average time to verify a tenant manually - payslips, IDs, references.
R14B+
lost annually to rental defaults, fake documents and identity fraud.
Source: TPN Credit Bureau & PayProp Rental Index, 2024-25.
03 · The solution
One screening. Every landlord.
CrediSure verifies an applicant in minutes, not weeks - and the trust profile travels with them across every viewing.
Verified identity
Live face-match against the Home Affairs population register via VerifyNow. No more photocopied IDs.
Verified income
Open-banking feed plus payslip OCR confirms affordability against rent in under 60 seconds.
Rental credit score
Past rental behaviour, defaults and references combined into a single, plain-language CrediScore.
Shareable trust pass
Tenants own and re-use one secure profile. Landlords get instant verification - no raw financials exposed.
< 60s
to issue a CrediScore
-94%
reduction in vetting time
3 of 5
tenants re-use their pass
04 · The tenant experience
90 seconds. From phone to pass.
Tenants apply once. A guided in-app flow captures consent, scans the ID, runs a live face-match against Home Affairs, and pulls income data - then issues a portable CrediScore.
- 1Apply & consent
- 2Verify identity (live selfie)
- 3CrediScore issued
CrediSure · Apply
Let's build your trust pass.
Full name
Thandi Mokoena
SA ID number
9203•••••••87
Monthly rent budget
R 8,500
Takes about 90 seconds
05 · The landlord OS
Every applicant, verified at a glance.
A single dashboard for landlords and agencies - properties, applicants and audit-ready CrediChecks in one place.
Highveld Properties
Overview
Active properties
24
+3 vs last month
Applicants this month
146
+38 vs last month
Qualified
112
+27 vs last month
Avg CrediScore
724
+12 vs last month
Recent applicants
Open all| Applicant | Property | CrediScore | Affordability | Status |
|---|---|---|---|---|
TM Thandi Mokoena | 2-bed · Sea Point | 782 | R15-18k | Approved |
SD Sipho Dlamini | Studio · Rosebank | 714 | R8-10k | Approved |
LK Lerato Khoza | 1-bed · Sandton | 658 | R10-12k | Conditional |
PvW Pieter van Wyk | 3-bed · Claremont | 805 | R22-26k | Approved |
NN Naledi Ndlovu | 1-bed · Melville | 542 | - | Declined |
06 · The process
From sign-up to signed lease, in one flow.
Four steps, fully digital, fully consented. POPIA-compliant by design and integrated with VerifyNow and SA banking APIs.
Application Completed
Signs up via the CrediSure app or a landlord link in 90 seconds. POPIA consent captured upfront.
We verify
Live selfie matched to Home Affairs via VerifyNow. Open-banking & payslip data pulled with consent.
Score is issued
A CrediScore + risk band + affordability is generated and cryptographically signed.
Landlord decides
Verified summary in the dashboard. Accept, counter or decline - full audit trail attached.
07 · Manage the full tenancy
Beyond vetting - run the whole tenancy from one back office.
Once a tenant is approved, CrediSure becomes the operating system for the lease - comms, inspections, maintenance and renewals, all stitched to the verified record.
Two-way comms
Branded WhatsApp, SMS and email threads between landlord, agent and tenant - every message logged against the lease.
Ingoing inspections
Guided room-by-room capture with photos, condition ratings and tenant e-signature. Stored as the lease baseline.
Outgoing inspections
Side-by-side comparison to the ingoing report. Auto-generated damage list with quoted repair costs feeds the deposit return.
Maintenance tickets
Tenants log issues with photos. Route to your panel of vetted contractors, track quotes, approvals and completion.
Rent & arrears nudges
Automated reminders before due date, escalation workflows after, and a clear paper trail if it ever goes to legal.
Lease lifecycle
Digital lease generation, e-signing, renewals, escalations and early-exit handling - all from the same record.
Inspection scheduling
Periodic inspections booked in-app with tenant confirmation, calendar sync and reminders to all parties.
Document vault
POPIA-safe storage for IDs, leases, inspection reports, invoices and proofs of payment - accessible to authorised parties only.
One record, full lifecycle
Every interaction - from application to move-out - attached to the same verified tenant profile.
100%
audit trail
0
spreadsheets
1
source of truth
08 · Market & business model
A R260B market, barely digitised.
South Africa's formal rental sector is fragmented across landlords, agencies and institutional operators - each with a different appetite, and a different commercial fit.
Total addressable market
1.9M
formal rental households in SA, growing 6% YoY.
R260B
annual rental spend
R2.3B
serviceable opportunity
Individual landlords
Light-touch self-servePrivate landlords vet applicants on demand and run their lease from the dashboard. Onboarding in minutes, no contract required.
Rental agencies
Tailored SLABespoke commercials shaped to each agency - volume of applications vetted, approval ratios, managed-portfolio size and integration depth.
Enterprise & institutional
Annual partnershipBuild-to-rent operators, REITs and student housing groups - API access, bulk verification, dedicated success and custom reporting.
Agency and enterprise commercials are scoped per partner - based on estimated application volume, approval ratios and the operational scope we take on.
09 · Let's partner
Help us rebuild rental trust.
We'd love to walk you through the product and explore how we can work together.
Pilot Programs
Ready to go
POPIA
compliant by design
Built on VerifyNow + SA open-banking rails.
Let's talk.
Book a 30-minute walkthrough of the product and the roadmap.