/Companies

Esusu

Unicorn · $1.2BPlug and Play Ventures

New York, US · Founded 2017 · Delaware corporation · 169 employees on LinkedIn · 29 known investors

Find your way into Esusu

Sign up to see every warm intro you have to Esusu

  • Paths you didn't know you had: your email and LinkedIn already hold routes to the Esusu team. We find them for you
  • 2nd- and 3rd-degree connections: the friend-of-a-friend routes that take hours to manually find through your inbox or LinkedIn
  • Answers now, not in days: momentum is everything in a raise. Skip asking around whether someone knows someone

Days of research, done the moment you sign in, with every route ranked by how warm it is.

Esusu is an economic mobility platform that helps working families build credit and strengthen financial stability through rent payment reporting. The company targets low-income renters and aims to bridge the racial wealth gap by addressing housing barriers.

Also known as Esusu Financial · Esusu Inc. · myEsusu

Founders & leadership

RC
Robert C. HenningCFO & co-founder2018–2022Robert C. Henning is an executive officer at Esusu, an economic mobility platform that helps renters build credit through rent payment reporting. He has prior work experience across professional services, media and entertainment, nonprofits, government, and startups in renewable energy and fintech.

Board

SGSamir Goel
Samir GoelCo-Founder
WAWemimo Abbey
Wemimo AbbeyCo FounderBefore co-founding Esusu in 2015, he worked as a deals consultant on M&A at PwC and held roles in operational risk management at Goldman Sachs, consulting for the European Commission, and as a summer associate at Accenture. He also founded Clean Water for Everyone and the Open Aid Initiative, and took part in a Clinton Global Initiative program.

Investors · 29

Plug and Play VenturesreportedSilicon Valley · $50K – $400K

How we know: open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us

Also in the syndicate · 10

Blue Meridian PartnersGeraldine R. Dodge FoundationGlobal Impact FundJones Feliciano Family OfficeLauder Zinterhofer Family OfficeRelated CompaniesSchusterman FoundationSoftBank Vision Fund 2leadThe Equity AllianceTypeOne Ventures

Funding

SEC filings, press & company announcements

$60.7M disclosed across 5 of 7 rounds · 2018–2025

▶$10.6MraisedJul 2021 · 26 investors · Other Banking and Financial Services
Rule 506(b)
Officers, directors & promoters on the filing
  • Robert HenningExecutive Officer
  • Ollen DouglassDirector
  • Samir GoelExecutive Officer, Director
  • Abbey WemimoExecutive Officer, Director
Offering amount
$10.6M
Amount sold
$10.6M
First sale
Jul 2021
Incorporated
Corporation, Delaware, 2017
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$25KraisedJul 2020 · 1 investors · Other
Rule 506(b)
Officers, directors & promoters on the filing
  • Samir GoelExecutive Officer, Director
  • Wemimo AbbeyExecutive Officer, Director
  • Robert C. HenningExecutive Officer
Offering amount
$3M
Amount sold
$25K
Minimum investment
$10K
Proceeds to insiders
$300K
First sale
Jul 2020
Incorporated
Corporation, Delaware, 2016
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$35KraisedApr 2019 · 2 investors · Other
Rule 506(b)
Officers, directors & promoters on the filing
  • Wemimo AbbeyExecutive Officer, Director
  • Robert C. HenningExecutive Officer
  • Samir GoelExecutive Officer, Director
Offering amount
$3M
Amount sold
$35K
Minimum investment
$10K
Proceeds to insiders
$300K
First sale
Apr 2019
Incorporated
Corporation, Delaware, 2016
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$5KraisedJun 2018 · 1 investors · Other
Officers, directors & promoters on the filing
  • Robert C. HenningExecutive Officer
  • Samir GoelExecutive Officer, Director
  • Wemimo AbbeyExecutive Officer, Director
Offering amount
$65K
Amount sold
$5K
Minimum investment
$1K
Proceeds to insiders
$24K
First sale
May 2018
Incorporated
Corporation, Delaware, 2016
Federal exemptions
04
Full filing on SEC EDGAR ↗

Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.

Valuation · disclosed

Disclosed events
$1.2Bvaluation at Series CDec 2025
filing ↗
$1Bvaluation at Series BJan 2022
filing ↗

Source: SEC prospectus filings, and round valuations the company or its investors disclosed — follow each entry's link for the claim.

Company profile

researched Aug 2026

Esusu operates an economic mobility platform built around rent reporting: it connects to property management systems, captures on-time rent payments and reports them to the three major credit bureaus (Experian, Equifax and TransUnion), including backfill of up to 24 months of past on-time payments. The company states it does not report missed or late payments. Around this core, Esusu offers a set of product lines covering credit building (rent reporting, Credit Hub), financial health (financial toolkit, marketplace, financial coaching and a rent relief program), rent payments, identity and fraud (income verification, identity verification and an "Esusu Passport" verified rent record), and analytics dashboards for property owners and operators.

For renters, the consumer-facing myEsusu mobile app (iOS and Android) provides credit building and score monitoring. For property partners, Esusu supplies portfolio-level dashboards tracking payments, credit and portfolio health, ESG-style resident impact reporting, and integrations with property management systems such as ResMan. Its Rent Relief program, run in partnership with the 501(c)(3) public charity Stable Home Fund, offers eligible residents of enrolled properties up to three months of assistance capped at $5,000 total to catch up on past-due rent and avoid eviction.

Following its December 2025 Series C, Esusu said it is scaling three initiatives: "Rent Reporting as a Service," which lets banks, fintechs and credit unions embed rent reporting into their own products; Esusu Pay, launching in 2026, which splits monthly rent into two installments; and Esusu Identity Services, which combines proprietary rental data with the acquired Celeri Labs identity-verification technology.

Founding story

Co-founders Wemimo Abbey and Samir Goel, immigrants from Lagos, Nigeria and New Delhi, India respectively, grew up watching their families struggle financially in the United States without credit histories. Abbey has recounted that his family, turned away by a large financial institution, borrowed from a predatory lender charging over 400% interest, with his mother selling his father's wedding ring and the family borrowing from church members. The company describes itself as founded in 2018 on the belief that where a person comes from, what they look like and their financial identity should not determine where they end up; CNBC refers to the platform launching in 2016.

Business model

Esusu sells to property owners, operators and property managers, who deploy rent reporting and related services across their portfolios; some partners, such as Stoneweg US, choose to provide the service to residents at no cost to the resident rather than charging them. The company is also extending distribution through a "Rent Reporting as a Service" API that banks, fintechs and credit unions can embed in their own products, and through real estate platforms such as Zillow. A consumer app, myEsusu, serves renters directly.

Traction

The company reports powering more than 5 million rental units covering about 12 million renters and roughly $100 billion in annual gross lease volume, with $30 billion in mortgages accessed by renters using its system and total capital raised exceeding $200 million. Its rent relief program has disbursed $26 million to date, helping more than 13,000 families avoid eviction. Renters at active properties saw an average credit score increase of 53 points measured from enrollment through Q4 2025. Through a partnership with Zillow, Esusu says its technology reaches 228 million monthly active users.

Latest developments

In December 2025 Esusu announced a $50 million Series C at a $1.2 billion valuation, with Westbound Equity Partners as a lead investor, to fund Rent Reporting as a Service, the 2026 launch of Esusu Pay (splitting rent into two payments), and Esusu Identity Services following the Celeri Labs acquisition. Through 2026 the company published product updates including a new income calculator for Esusu Identity Services, property management system integrations such as ResMan, and guidance on Maryland HB 315 rent reporting requirements.

▸Full profile — market position, technology, go-to-market, geography, history, risks & controversies

Market position

Esusu describes itself as a national leader in financial technology for rent reporting and one of the largest verified rental data aggregators in the United States. It reports partnerships with 65% of the largest US commercial real estate owners and property managers, including Bell Partners, BH Management, Blackstone, Cortland, Invitation Homes, Jonathan Rose Companies, Kayne Anderson, Morgan Properties, Nuveen Real Estate, Pretium, Related Companies, TruAmerica and WinnCompanies, along with agreements with Fannie Mae and Freddie Mac.

Esusu reports only on-time rent payments and not missed or late payments, backfills up to 24 months of payment history, and operates at portfolio scale through direct property management system integrations. Its combination of verified rental data with identity and income verification positions it for the Federal Housing Finance Agency's formalized inclusion of rental data in mortgage underwriting, which requires verified rental and identity data.

Technology

The platform integrates with property management systems to pull rent payment data, reports on-time payments (including up to 24 months of backfilled history) to Experian, Equifax and TransUnion, and exposes a rent reporting API. Additional components include identity and income verification tools built on the acquired Celeri Labs technology, an income calculator for leasing workflows, the Esusu Passport verified rent record, and real-time analytics dashboards for portfolio and resident-level reporting.

Go-to-market

Enterprise sales to large real estate owners and property managers (via demo requests and property management system integrations), complemented by API distribution partnerships with banks, fintechs, credit unions and real estate platforms, and a direct-to-renter mobile app.

Large commercial real estate owners, property managers and single-family rental operators, plus banks, fintechs, credit unions, employers and governments; end users are US renters, particularly those with thin or no credit files, including lower-income households.

Geography

United States, with a nationwide property partner base; rent relief eligibility is open to renters in enrolled US properties regardless of immigration status.

History

Esusu began as a rent reporting platform and, according to the company, evolved into broader infrastructure for economic mobility serving banks, fintechs, employers, governments, renters, owners and real estate operators. In early 2025 it acquired identity verification firm Celeri (Celeri Labs), forming the basis of Esusu Identity Services. It was ranked No. 49 on CNBC's 2025 Disruptor 50 list. In December 2025 the company announced a $50 million Series C at a $1.2 billion valuation, bringing total capital raised to more than $200 million.

Risks & controversies

Esusu states that using its rent reporting service does not guarantee credit score increases or approval for any credit product, as scores depend on multiple factors, and that individual results vary. Rent relief approval depends on Stable Home Fund underwriting criteria and fund availability, and not all properties are enrolled.

Compiled by commissioned research from 14 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
Annual gross lease volumeDec 2025$100B
Annual gross lease volume processedDec 2025$100B
CNBC Disruptor 50 rankingJan 202549 rank
Families helped to avoid eviction via rent reliefJan 202613,000 families
Gross lease valueJul 2021$2.4B
Households on platformJul 20212,000,000 households
Monthly active users reached via Zillow partnershipDec 2025228,000,000 users
Mortgages accessed by renters using EsusuDec 2025$30B
Mortgages accessed by renters using the platformDec 2025$30B
Rent relief funds disbursed to dateJan 2026$26M
Rental units on platformDec 20255,000,000 units
Rental units poweredDec 20255,000,000 units
Renters reachedDec 202512,000,000 people
Share of largest NMHC landlords partnered withJan 202235%
Share of largest US commercial real estate owners and property managers partnereDec 202565%
Total capital raisedDec 2025$200M

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Founder mafia

3 people who came through Esusu went on to found or lead other companies.

Related companies · 6

ExperianExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.
ChaseA wealth management and investing service (J.P. Morgan Wealth Management via Chase) offering self-directed brokerage accounts with commission-free online trades as well as one-on-one advisor services, financial planning tools, and retirement accounts. It serves individual retail investors ranging from beginners to experienced investors in the United States.
Credit KarmaCredit Karma is an AI-powered personal finance platform that provides free credit scores, credit monitoring, cashflow insights, and financial marketplace services to help consumers understand and manage their finances. The platform serves over 140 million members with tools for credit analysis, tax filing, and financial opportunity identification.
Capital OneCapital One is a financial services company that offers credit cards, checking and savings accounts, auto financing, and business banking products to consumers and small businesses. The company provides digital banking tools, rewards programs, and credit monitoring services.
FlexFlex provides a platform that allows renters to make flexible and predictable rental payments, helping households manage financial volatility while providing property managers operational stability. The company also offers eviction prevention support programs through Flex for Good.
EquifaxEquifax is a data and analytics company providing consumer credit monitoring, identity theft prevention, and business risk and fraud solutions, as well as employment, income, tax, and payroll verification services for businesses and government entities. It serves consumers, businesses, and governments in the U.S. and internationally with credit and financial decisioning insights.

Companies working in the same space as Esusu.

Timeline · 15

launches, deals, and filings
Aug 2026
Income Calculator launched within Esusu Identity Services

Esusu introduced an income calculator to streamline income verification when applicants submit multiple paystubs, bank statements or other income records.

source ↗

Jun 2026
ResMan property management system integration

Esusu Identity Services added a ResMan PMS integration to bring verification into existing leasing workflows.

source ↗

Jan 2026
Rent Relief program with Stable Home Fund

Esusu partnered with Stable Home Fund, a 501(c)(3) public charity, to provide rent relief of up to three months and a maximum of $5,000 for renters at enrolled properties facing temporary hardship.

source ↗

Jan 2026
Esusu Pay planned launch

Esusu plans to launch Esusu Pay in 2026, allowing renters to split monthly rent into two installments.

source ↗

Jan 2026
Planned launch of Esusu Pay for split rent payments

Product will allow renters to split monthly rent into two installments.

source ↗

Dec 2025
Esusu raises $50M Series C at $1.2B valuation

Esusu announced a $50 million Series C financing at a $1.2 billion valuation, bringing total capital raised to over $200 million. Westbound Equity Partners was a lead investor. Proceeds are earmarked for Rent Reporting as a Service, Esusu Pay and Esusu Identity Services.

$50M source ↗

Dec 2025
Partnerships with Fannie Mae and Freddie Mac

Esusu has partnerships with Fannie Mae and Freddie Mac aimed at increasing the number of rental units nationally that report rent as part of credit.

source ↗

Dec 2025
Rent reporting distribution partnership with Zillow

Esusu's rent reporting technology reaches 228 million monthly active users through the real estate platform Zillow as part of its Rent Reporting as a Service initiative.

source ↗

Dec 2025
FHFA formalizes inclusion of rental data in mortgage underwriting

The Federal Housing Finance Agency formalized the inclusion of rental data in mortgage underwriting, which will require verified rental and identity data — a policy shift Esusu cites as central to its strategy.

source ↗

Dec 2025
Esusu raises $50 million Series C at a $1.2 billion valuation

Funding to expand Rent Reporting as a Service, launch Esusu Pay and build Esusu Identity Services.

$50M source ↗

Jan 2025
Esusu acquires identity verification firm Celeri (Celeri Labs)

Esusu acquired identity verification company Celeri Labs early in 2025; the technology underpins Esusu Identity Services.

source ↗

Jan 2025
Ranked No. 49 on CNBC's 2025 Disruptor 50 list

source ↗

Jan 2022
Esusu raises $130 million Series B at $1 billion valuation led by SoftBank Vision Fund 2

Capital to scale the team, accelerate product development and grow reach across the rental market; company plans to triple headcount.

$130M source ↗

Nov 2021
Joint initiative with Freddie Mac Multifamily to encourage rent reporting

Initiative encouraging owners of multifamily properties to report on-time rental payments.

source ↗

Jul 2021
Esusu raises $10 million Series A led by Motley Fool Ventures with Serena Ventures participation

Serena Williams, through Serena Ventures, invested an undisclosed amount in the round; proceeds earmarked for scaling the business and increasing cybersecurity.

$10M source ↗

Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.

Legal entities · 1

corporate structure
EsusuDelaware

In the news

▸Research sources · 14

primary sources listed

14 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Esusu do?
Esusu is a US fintech platform that reports on-time rent payments to credit bureaus so renters can build credit.
Who are Esusu's investors?
Esusu's investors include Acumen America, Impact America Fund, Motley Fool Ventures, Next Play Ventures, Open Opportunity Fund, Predictive VC, Serena Ventures, Sinai Capital Partners and 11 more.
How much funding has Esusu raised?
Esusu has disclosed $60.7M raised across 5 of its 7 known rounds.
Where is Esusu headquartered?
Esusu is headquartered in New York, US.