Traditional guarantor vs. guarantor-free rental insurance: how NOWO is transforming leasing in Mexico

NOWO removes the need for a traditional guarantor and enables renting with a digital guarantee backed by an insurance provider. Discover how it works in this practical guide from We Link.

NOWO rental insurance without a guarantor. For years, one of the biggest obstacles to closing rental agreements has been the traditional guarantor. A slow, complicated, and often unattainable system for tenants who are financially stable but lack a guarantor with property deeds registered with a notary.

Today, thanks to NOWO , the model is changing. Landlords can rent with greater security, and tenants can access housing without depending on a third party. It's not a trend; it's an evolution. And those who understand it first will gain a competitive advantage.

1. The problem of the guarantee: more obstacles than solutions

Although its objective is to protect the owner, in practice:

• It disqualifies reliable tenants.

• Contracts are delayed due to notary procedures.

• It depends on personal guarantees that are difficult to verify.

• It can generate legal conflicts.

The result: unsigned contracts, empty properties, and lost income.

2. What is NOWO and why is it displacing the guarantor?

NOWO is a residential surety insurance , backed by leading surety companies, that completely replaces the guarantee.

With NOWO:

Tenant	Owner
You no longer need a guarantor	It has a full guarantee.
Apply online	Receive digital certificate
Fast approval	No risk of non-payment
Greater accessibility	Stable income stream

🔹 100% digital process 🔹 Coverage for rent, damages and legal expenses 🔹 Issuance in less than 24 hours

3. How it works in practice

1️⃣ The landlord requests NOWO from the tenant.

2️⃣ The tenant fills out a digital form and uploads income documents.

3️⃣ We Link evaluates the profile and refers it to the surety company.

4️⃣ The policy is issued and the NOWO digital certificate is delivered to the owner.

If the tenant defaults, the insurance company pays. The landlord does not assume any losses or litigation.

4. Direct comparison

Concept	Traditional Guarantee	NOWO
Requirement	Freehold property as collateral	Economic solvency
Processing time	Weeks	<24 hrs
Process	Manual and notarial	100% digital
Landlord's risk	High	Low
Tenant profile	Limited	Broad
Coverage	It depends on the guarantor	Rent, damages and legal

5. The market is changing. Are you ready to change with it?

The current leasing process requires: ✔ agility ✔ legal certainty ✔ frictionless experience

NOWO addresses that need. Today, those who require a guarantor are at a disadvantage. Those who adopt NOWO earn income faster, with more applicants, and with maximum protection.

6. NOWO rental insurance without a guarantor

The guarantee is becoming a thing of the past. NOWO is not just an alternative, it's the new standard for modern leasing.

At We Link , we help you implement NOWO in your contracts and protect your properties with insurance backing and zero bureaucracy.

More information at: www.welink.mx Secure rentals. Reliable clients. Zero friction.