Hamoc provides a rent guarantee service for Mexican renters without a traditional guarantor, issuing instant eligibility assessments and guarantees to landlords. The platform also manages security deposits in custodial accounts and records on‑time rent payments to build tenants' credit histories, reducing vacancy risk and payment disputes.
Funding
Funding not disclosed
Founders
Product
Problem
Many renters in Mexico cannot secure a lease because they lack a traditional guarantor, and landlords face uncertainty about payment reliability and deposit return, leading to prolonged vacancy periods and costly disputes.
Solution
Hamoc offers a rent guarantee service that replaces the need for a personal guarantor. Tenants create a rental profile on the platform, which assesses eligibility within minutes and provides a guarantee to landlords. Hamoc also holds the security deposit in custodial accounts and mediates its return according to legal standards, while on‑time rent payments are recorded to build the tenant’s credit history for future borrowing.
Target Audience
Hamoc serves renters in Mexico who lack a guarantor and landlords seeking reliable payment assurance and streamlined deposit handling.
Features
- Instant eligibility assessment and guarantee issuance within 24 hours
- Custodial management of security deposits with transparent, law‑compliant return process
- Automated rent payment tracking that feeds into a credit‑building report for tenants
- No upfront cost to create a rental profile; guarantee fees are paid only when a lease is signed
- Integration with landlord workflows to simplify contract signing and reduce reliance on third‑party guarantors