Esusu
Unicorn · $1.2BPlug and Play VenturesNew York, US · Founded 2017 · Delaware corporation · 169 employees on LinkedIn · 29 known investors
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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
Board


Investors · 29
How we know: Acumen America's portfolio page · open dataset · 5k.vc investor directory · Not right? Tell us
How we know: Impact America Fund's portfolio page · press coverage · research · cnbc.com · open dataset · 5k.vc investor directory · Not right? Tell us
How we know: Motley Fool Ventures's portfolio page · board seat on SEC Form D · press coverage · the VCSheet dataset · research · cnbc.com · Not right? Tell us
How we know: Next Play Ventures's portfolio page · press coverage · the VCSheet dataset · research · cnbc.com · Not right? Tell us
How we know: research · esusurent.com · Not right? Tell us
How we know: Predictive VC's portfolio page · the VCSheet dataset · research · cnbc.com · Not right? Tell us
How we know: Serena Ventures's portfolio page · press coverage · the VCSheet dataset · research · cnbc.com · open dataset · 5k.vc investor directory · Not right? Tell us
How we know: the VCSheet dataset · Not right? Tell us
How we know: Temerity Capital Partners's portfolio page · Not right? Tell us
How we know: Trail Run Capital's portfolio page · Not right? Tell us
How we know: Type One Ventures's portfolio page · the VCSheet dataset · Not right? Tell us
How we know: Westbound Equity Partners's portfolio page · press coverage · funding news · research · cnbc.com · open dataset · 5k.vc investor directory · Not right? Tell us
How we know: Wilshire Lane Capital's portfolio page · press coverage · research · esusurent.com · Not right? Tell us
How we know: press coverage · research · esusurent.com · Not right? Tell us
How we know: open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Also in the syndicate · 10
Funding
SEC filings, press & company announcements$60.7M disclosed across 5 of 7 rounds · 2018–2025
- $50MSeries CDec 2025 · 7 sources
Motley Fool Ventures (lead), SoftBank Vision Fund 2 (lead), Westbound Equity Partners (lead), Blue Meridian Partners, Geraldine R. Dodge Foundation, Serena Ventures
Source ↗ - Undisclosed amountSeries BFeb 2022 · 2 sources
SoftBank Vision Fund 2 (lead), Concrete Rose Capital, Equity Alliance, Impact America Fund, Jones Feliciano Family Office, Lauder Zinterhofer Family Office, Motley Fool Ventures, Next Play Ventures, Related Companies, Schusterman Foundation, Serena Ventures, Sinai Ventures, SoftBank Opportunity Fund, TypeOne Ventures, Wilshire Lane Capital
Source ↗
▶$10.6MraisedJul 2021 · 26 investors · Other Banking and Financial ServicesRule 506(b)
- 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
▶$25KraisedJul 2020 · 1 investors · OtherRule 506(b)
- 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
▶$35KraisedApr 2019 · 2 investors · OtherRule 506(b)
- 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
▶$5KraisedJun 2018 · 1 investors · Other
- 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
Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.
Valuation · disclosed
Disclosed eventsSource: SEC prospectus filings, and round valuations the company or its investors disclosed — follow each entry's link for the claim.
Company profile
researched Aug 2026Esusu 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 reportedCompany-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
Companies working in the same space as Esusu.
Timeline · 15
launches, deals, and filingsEsusu introduced an income calculator to streamline income verification when applicants submit multiple paystubs, bank statements or other income records.
Esusu Identity Services added a ResMan PMS integration to bring verification into existing leasing workflows.
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.
Esusu plans to launch Esusu Pay in 2026, allowing renters to split monthly rent into two installments.
Product will allow renters to split monthly rent into two installments.
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 ↗
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.
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.
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.
Funding to expand Rent Reporting as a Service, launch Esusu Pay and build Esusu Identity Services.
$50M source ↗
Esusu acquired identity verification company Celeri Labs early in 2025; the technology underpins Esusu Identity Services.
Capital to scale the team, accelerate product development and grow reach across the rental market; company plans to triple headcount.
$130M source ↗
Initiative encouraging owners of multifamily properties to report on-time rental payments.
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 structureIn the news
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.













