Self-employed (micro-entrepreneur): how to rent a home in France without a guarantor?

Yes, the Garantme Guarantee is open to micro-entrepreneurs (auto-entrepreneurs) in France. Garantme replaces the personal guarantor that landlords and agencies often ask self-employed tenants for. You prove your activity with your URSSAF declarations and bank statements, and you get an answer within 3 business hours.

Why do self-employed people struggle to find a guarantor?

Landlords often see self-employed income as less predictable than that of an employee on a permanent contract, so they ask for a guarantor. With the Garantme Guarantee, a professional commits to the landlord to pay unpaid rent, within the limits set by the guarantee deed.

Which documents do micro-entrepreneurs need to provide?

• your latest quarterly URSSAF declaration, or your last 3 monthly declarations;
• your URSSAF registration certificate;
• your last 3 bank statements;
• your tax notice (avis d'imposition) issued in year N on income from year N-1.

Which documents does everyone need to provide?

• a valid, legible ID document: national ID card, passport, residence permit, driving licence or visa;
• proof of savings less than 2 months old (bank certificate, account statement or screenshot of your online banking) showing your name, your bank, the date and the balance;
• if you are married or in a civil partnership (PACS): proof of your status (marriage or PACS certificate, family record book…) and your spouse's or partner's ID.

For rents above €5,000 per month, additional documents are required: Garantme Guarantee for rents above €5,000.

Is a minimum length of activity required?

No. No minimum length of activity is required if you have sufficient savings.

I haven't filed my first quarterly declaration yet: can I apply?

Yes. In that case, you need to prove your available savings.

I am both self-employed and an employee: what should I provide?

Provide documents for both activities: your URSSAF declarations and your payslips. All your income is taken into account.

I am self-employed, but not a micro-entrepreneur

• Liberal profession: Garantme Guarantee for liberal professions.
• Manager or director of a SASU, EURL or SARL: Garantme Guarantee for company managers and directors.

How do I get the Garantme eligibility certificate?

1. Create your application online at garantme.fr and upload your documents.
2. Garantme reviews your complete application and replies within 3 business hours.
3. You receive your eligibility certificate to add to your rental application.
4. Once you have found a home, follow the steps to get the guarantee deed.

How much does the Garantme Guarantee cost?

From 4.5% of the annual rent including charges, paid by the tenant. The Garantme Guarantee is free for the landlord (pricing details).

Who backs the Garantme Guarantee?

The Garantme Guarantee is backed by licensed insurers: see the insurers behind the Garantme Guarantee.

Updated on 10 November 2026.