DIMENSION 01
Financial capacity
How the commitment matches the ability to pay.
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FRAGATA GARANTIA
The risk exists.So does peace of mind.
A new way to guarantee a rental.
A solution created to turn the rental guarantee into a simple, private and sophisticated experience.
THE PROBLEM
A HIGH-END RENTAL CARRIES RISK TOO.
A high rent does not eliminate the risk of default.
6.17%
residential default on houses renting above R$ 13,000.
Roughly 1 in 16
in that specific segment.
- 3.05%residential default in Brazil, July 2026.
- 3.38%apartments renting above R$ 13,000.
- 800,000+tenants in the anonymized base used by the index.
Source: Rental Default Index — Superlógica, July 2026. The methodology treats as in default any rental invoice unpaid for up to 60 days, and uses anonymized data from more than 800,000 tenants.
These figures do not define the Fragata market. They show something else:
Even a high-value rental is not free of risk.
A NEW PERSPECTIVE
IT IS NOT ABOUT DISTRUSTING THE TENANT.
It is about not depending on luck.
Good tenants can face the unexpected too.
- Business changes
- Income swings
- Cash flow
- Unexpected events
The problem is not necessarily the intention to pay.
It is the possibility that something changes.
Fragata Garantia adds a layer of protection to the relationship between owner and tenant.
CALCULATOR
What does one month without rent cost?
The exposure grows over time. The guarantee exists so that it does not fall on you.
- Month 01R$ 50,000
- 3 monthsR$ 150,000
- 6 monthsR$ 300,000
- 12 monthsR$ 600,000
That is the kind of exposure a guarantee helps to protect.
DISCOVER THE SOLUTIONFRAGATA ANALYSIS
WE DO NOT ANALYZE INCOME ALONE.
A high-end rental does not fit into a single variable. That is why the assessment may consider different dimensions of the applicant profile.
DIMENSION 02
Assets
A broader view of financial capacity.
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DIMENSION 03
Liquidity
Owning assets is not enough. Understanding their nature matters.
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DIMENSION 04
Track record
Behaviour and consistency matter too.
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DIMENSION 05
Rental characteristics
Amount, term and nature of the operation.
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DIMENSION 06
Consistency
The information has to make sense together.
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THE QUESTION IS NOT
“Can they pay?”
IT IS
“Does this rental make sense for this profile?”
That is the difference between simply analyzing income and analyzing risk.
HOW IT WORKS
An experience in four steps.
CHOOSE
Find the property.
ANALYSIS
Submit your information and go through the eligibility assessment.
GUARANTEE
Once approved, the solution is structured for that rental, under its own terms.
RENTAL
Contract signed. Keys handed over. A new experience begins.
THREE SIDES.
ONE SAME GUARANTEE.
THE FRAGATA ECOSYSTEM
FRAGATA TRUST GAINS A NEW LAYER.
- FRAGATA CLUBETo belong.
- FRAGATA PASSAPORTETo prove.
- FRAGATA GARANTIATo protect.
Three products. One same philosophy:
TRUST.
The property is yours.
The rental can be calm too.
FRAGATA GARANTIA™
Your property deserves trust. So does your rental.
FAQ
Frequently asked questions.
Do I need a guarantor?
Not necessarily. Fragata Garantia was conceived as an alternative to traditional guarantees, subject to assessment and applicable terms.
Who can apply?
Rental applicants who meet the eligibility criteria of the solution.
How much does it cost?
The amount depends on the characteristics of the operation and the profile assessed.
What is the coverage?
Coverage and its limits depend on the structure and the specific terms of the guarantee contracted.
Can any property take part?
Availability depends on the characteristics of the property, the contract and the assessment of the operation.
Who pays?
The solution may be contracted by the tenant, under the terms presented during the process.
The indicators presented are market data and do not represent any projection of loss ratio, approval rate or future performance of Garantia Fragata. Availability, coverage, limits and terms depend on the contracting modality and on the respective terms.
