Your rental income, on your timeline
Your property manager has partnered with Spot to give you direct access to your rental income.
Rental Income on Your Terms
You choose when and how you get paid. No credit checks, no debt, and no long wait.
Guaranteed Rent
Stop worrying about late or missed payments. Spot covers missed rent so your income stays predictable.
- Get paid on time, every time
- Protection for up to 3 months
- Coverage turns on automatically
Rent Advance
Get up to 6 months of future rent on demand, in as little as 48 hours.
- Fund unexpected repairs fast
- No credit check required
- Funds arrive within days
Built for Property Owners Like You
Spot puts you in charge of your rental income, without the credit checks and long underwriting that come with a traditional loan.
Cash When You Need It
Get your rental income in under 48 hours instead of weeks. Use it for a repair, a new investment, or a slow month.
No Credit Impact
Spot advances are based on your lease, not your credit score. Prequalifying takes under 2 minutes and no paperwork.
On Demand Access
Spot buys your future rent receivables, so there's no debt, no interest, and nothing added to your balance sheet. Repayment is automatic.
Built Into Your Portal
Your property manager has added Spot to your AppFolio owner portal, so there's no new app to download and no new account to set up.
From Request to Funds in Three Steps
Spot is built into your property management portal, so there's no new app or account to set up.
Submit Your Request
Start from your owner portal or fill out a quick intake form. Tell us about your property and which product(s) you're interested in.
- Takes under 2 minutes
- No credit check required
- Prequalify instantly
Review & Sign
Once you're eligible, review the terms and e-sign. There are no hidden fees or surprises.
- Clear, transparent terms
- No origination fees
- Simple e-signature
Get Funded
Funds go to your property manager's trust account and are released to you, typically within 48 hours.
- Funded in under 48 hours
- Automatic repayment from rent
- Track everything in your portal
Owners Love Spot
"I had a major HVAC repair come up out of nowhere. Spot got me 4 months of rent in under 48 hours — no credit check, no hoops. Exactly what I needed."
"The process was incredibly smooth. I submitted my info, signed the agreement, and had funds within days. Way better than tapping a credit line or going through a lender."
"I was skeptical it wasn't a loan, but the terms were completely transparent — it's a receivables purchase, plain and simple. No interest, no debt. I'll definitely use Spot again."
"Having Guaranteed Rent means I don't lose sleep when a tenant is late. Spot covers it and my income stays consistent. It's been a game changer for my peace of mind."
Frequently Asked Questions
No. Spot buys your future lease receivables. There's no credit check, no interest, and no debt added to your balance sheet. Repayment happens automatically as your tenant's rent is collected.
You can access up to 6 months of future rental income. The exact amount depends on your lease terms and property eligibility. There's no minimum. Request what you need, when you need it.
Most owners get funds within 48 hours of signing their agreement. Spot moves fast on the eligibility review and contract prep, so you aren't left waiting.
With Guaranteed Rent, Spot covers missed payments so your income stays consistent. For Rent Advance, repayment adjusts to the rent that's actually collected, and you're not on the hook if a tenant defaults.
Repayment is automatic. As your tenant pays rent each month, the advance is repaid through your property manager. There's nothing extra for you to do.
Not at all. Spot works through the AppFolio platform your property manager already uses. You get to everything from your owner portal, with no new accounts and no switching providers.
Ready to Access Your Rental Income?
Your property manager has already done the hard part. Submit a quick request and get funded in as little as 48 hours.