Spot the tenant who's going to default before you sign
Upload a bank statement. Get income analysis, red flags, affordability checks and an APPROVE / DECLINE verdict in under 60 seconds.
Free demo, no sign-up needed.
PropCheck: Tenant Report
Statements never leave your browser
POPIA Compliant
FICA ID Verification
Private to Your Company
Everything you need to screen with confidence
SA's only AI screening tool built specifically for property managers managing 50-500+ units.
60s
Average AI decisioning time
94% faster than manual
Upload → Extract → Analyse → Report. No waiting. No back-and-forth.
Live Application Feed
Real-time pipeline with AI risk scores and income ratios
TM
Thabo Moeketsi
R38 200 net · 2.8x cover
APPROVE
LS
Lerato Sithole
R21 000 net · 1.9x cover
REVIEW
NK
Nomsa Khumalo
R12 400 net · 0.8x cover
DECLINE
18.3%
SA tenants currently in arrears (2024)
One in five SA tenants defaults. PropCheck screens them before they move in.
R179M
SA PropTech market 2024
Growing to R526M by 2034
AI Risk Signals
Bounced payments & debt collector flags
SA ID checksum validity
Declining balance trend detection
What PropCheck analyses in every report
Monthly income vs expenses breakdown
Rent affordability ratio (30/35/40% rule)
Prevent bad approvals with an AI risk score (0-100, LOW/MED/HIGH)
Gambling / payday loan red flags
Debit order bounce history
Salary stability trend over 3 months
Built for SA compliance
Every screening follows POPIA Act, NCA affordability rules, and FICA verification requirements, backed by a live POPIA Compliance Score computed from your real ID-checksum pass rate and lease-tracking rate, not a decorative badge.
POPIA
FICA
Unlimited Plan
Properties: Portfolio Manager
Save your units once. PropCheck remembers them.
Auto-fill unit, address and rent on every new screening
Occupancy tracking: occupied / vacant at a glance
Screening count & last verdict shown per property
Lease-end tracking: renewals due surface on your Dashboard 60 days out
Notes per property: gate codes, parking, maintenance history
Up to 3
Applicants compared side-by-side
Choosing between candidates for the same unit? Select up to three and compare income, risk score and affordability ratio in one view.
Portfolio Reports
One click aggregates verdict counts and risk distribution across every screening in your account, generated on demand, ready to print.
Share Reports via WhatsApp
Send a screening verdict straight to a landlord or colleague from the report itself, no exporting, no re-typing.
Command Palette
Press Ctrl / Cmd + K anywhere in the dashboard to jump straight to any screening or property.
Pay per screening or go monthly
No contracts. Cancel anytime. Bulk discounts available for 50+ units.
Pay Per Use
R400/ screening
Perfect for landlords or smaller portfolios who screen tenants occasionally.
Full AI risk report
Income & expense breakdown
APPROVE / REVIEW / DECLINE verdict
PDF export
Growth (Most Popular)
R4,167/ month, billed annually
R50,000 billed once a year
15 screenings included. For agencies screening regularly but not daily: the gap between occasional and high-volume.
Everything in Pay Per Use, plus:
15 screenings / month included
R350 per screening after 15
Unlimited
R6,667/ month, billed annually
R80,000 billed once a year
For property management companies handling 50-200+ units. Unlimited screenings.
Everything in Growth, plus:
Unlimited screenings
Portfolio manager: save units once, auto-fill every screening
Priority WhatsApp support: same-day response
Questions before you sign up
Plain answers. No fine print to hunt for.
Is there a free trial?
There's a free live demo you can try right now with sample data, no signup required. Real accounts activate once your first payment is made; there's no automatic recurring billing since payments are manual EFT, not card-based.
How does billing work?
Every plan is billed by manual EFT: no card is stored and nothing charges automatically. You pay via EFT, send proof of payment on WhatsApp, and we activate (or top up) your account the same day. Growth and Unlimited can also be paid annually for two months free (R50,000/year and R80,000/year) — same manual EFT process, just one payment instead of twelve.
Is my data private and POPIA compliant?
Yes. Bank statement PDFs are read locally in your browser, and the file itself is never uploaded to or stored on our servers. Only the extracted text is sent to the AI for analysis, and only the resulting risk summary is stored, in your company's own private database, isolated from every other company using PropCheck.
Can I cancel anytime?
Yes. There's no lock-in contract, and you can cancel your account at any time. Because billing runs on manual EFT rather than an auto-charging subscription, there's no recurring card payment to cancel in the first place, you simply stop paying for the next period.
Does this replace TPN or a credit bureau?
No. PropCheck is not a credit bureau, and TPN, Experian, and Home Affairs integrations aren't connected yet (that's clearly marked inside the app). PropCheck answers current affordability from a real bank statement; TPN answers payment history across other landlords. The two are complementary, not replacements for each other.
I already pay for a CMA/all-in-one agent platform — why add this?
Those platforms are genuinely useful for what they do — valuation, area stats, prospecting, lead lists — and PropCheck isn't trying to replace any of that. But that whole toolkit helps you find and price a property; none of it tells you whether the person applying can actually pay. That's the one decision R400 is for, and it's the one decision that costs you real money if you get it wrong — a defaulting tenant costs a lot more than a year of screening fees. Tenant screening is usually one small, generic feature bolted onto a much bigger tool, not the thing it was built around. PropCheck does one job: read the actual bank statement and tell you, with the evidence — the exact bounced debit, the exact payday loan, the exact figure — whether this specific applicant can afford this specific rent. If your current platform's screening already does that with receipts attached, you probably don't need PropCheck. If it's closer to a checkbox or a credit-bureau lookup, that's the gap this fills.
About PropCheck
SA's AI-powered tenant screening tool
PropCheck helps South African property managers screen prospective tenants in under 60 seconds, using AI analysis of a bank statement instead of days of manual reference-checking and admin work. We built PropCheck because 18.3% of SA tenants fall into arrears, and no screening tool was built specifically for the South African market.
How it works
1
Upload
Upload the applicant's bank statement PDF. It's read locally in your browser, and the file itself is never uploaded anywhere.
2
Analyse
Only the extracted text is sent to Claude (Anthropic's AI) to assess income, expenses, red flags, and affordability.
3
Decide
Get an APPROVE / REVIEW / DECLINE recommendation with a full report. You make the final call, PropCheck gives you the data.
What PropCheck is not
PropCheck is not a credit bureau and does not currently pull live data from TPN, Experian, or Home Affairs. Those integrations are on our roadmap and clearly marked as "not connected" inside the app until they're real. Every recommendation is AI-generated guidance based on bank statement analysis, not a guarantee, and the final tenancy decision is always yours.
What's new
23 Aug 2026 — Send tenants a link to upload their own bank statement — no account needed on their end, the finished screening lands straight in your dashboard. Growth and Unlimited can now also be paid annually for two months free.
22 Aug 2026 — Every risk flag on a report now shows the exact evidence behind it, straight from the statement — not just a severity badge. REVIEW and DECLINE reports also get a "Top reasons" summary up front.
16 Aug 2026 — Reports now show a month-by-month income and expense timeline, not just a single snapshot — so you can see whether income is steady or sliding.
16 Aug 2026 — Dashboard rebuilt around what actually needs your attention today, instead of a wall of equal-weight stats.
15 Aug 2026 — The homepage now shows a real screenshot of an actual report, not a mockup.
14 Aug 2026 — Added outcome tracking: log whether an approved tenant actually paid on time, so the AI's verdict is something you can check against what really happened.
These Terms govern your use of PropCheck ("the Service"), operated for South African property managers and property management companies ("you", "your company"). By creating an account or using PropCheck, you agree to these Terms.
1. The Service
PropCheck analyses tenant bank statements using AI to generate a risk assessment and a recommendation (APPROVE / REVIEW / DECLINE). This recommendation is advisory only. PropCheck does not make tenancy decisions on your behalf, and you remain solely responsible for all decisions about who to approve, decline, or place in your properties.
2. Your responsibilities
You must have the tenant's consent before screening their bank statement, in line with POPIA.
You are responsible for the accuracy of information you enter (tenant name, rent amount, ID number).
You must keep your login credentials confidential and not share account access outside your company.
You may not use PropCheck for any unlawful, discriminatory, or fraudulent purpose.
3. Payment
PropCheck is billed either per screening or via monthly subscription, at the pricing shown at the time of purchase. Fees are non-refundable except where required by law.
4. Disclaimers
The Service is provided "as is". PropCheck does not guarantee the accuracy of AI-generated risk assessments and is not liable for losses arising from tenancy decisions made using the Service. AI analysis is a tool to support your judgement, not a replacement for it.
5. Termination
We may suspend or terminate accounts for non-payment, abuse, or breach of these Terms. You may cancel your account at any time.
6. Changes
We may update these Terms from time to time. Continued use of PropCheck after changes means you accept the updated Terms.
7. Governing law
These Terms are governed by the laws of the Republic of South Africa.
Privacy Policy
Last updated: 1 July 2026
This Policy explains how PropCheck handles personal information, in line with the Protection of Personal Information Act (POPIA). Your company is the "responsible party" for the tenant data you submit; PropCheck acts as an "operator" processing that data on your behalf.
What we collect
Tenant name, SA ID number (optional), unit reference, and requested rent (entered by you)
Text extracted from the bank statement PDF you upload (the PDF file itself is never uploaded; it's read locally in your browser)
Your account details: email address, company name
How we use it
The extracted bank statement text is sent to Anthropic's Claude API to generate a risk assessment. The resulting report (risk rating, flags, recommendation) is stored in your company's private database record, isolated from every other company using PropCheck via database-level access controls (Row Level Security). No other PropCheck customer can see your data, and we don't pool or share it across accounts.
Third parties we use
Anthropic: processes the extracted bank statement text to generate the AI analysis
Supabase: hosts our database and handles account authentication
Netlify: hosts the PropCheck application
Cookies & local storage
PropCheck does not use tracking, advertising, or third-party analytics cookies. We use your browser's local storage only to remember your theme preference, your notification settings, and to keep you signed in between visits so you don't have to log in every time. This data stays in your browser and is never sold or shared with advertisers.
Data retention
Screening data is retained while your account is active. You can request deletion of your company's data at any time by contacting us.
Your rights
Under POPIA, you have the right to access, correct, or request deletion of personal information PropCheck holds. Contact propcheck.za@gmail.com for any of these requests.
Security & Trust
What's actually protecting your data, not a marketing checklist
We know property managers are being asked to upload something sensitive: a tenant's bank statement. Here's exactly what happens to it, and what's protecting your account, in plain language.
Your data, isolated per company
Every company's screenings and properties are protected by database-level Row Level Security (RLS): not just an app-layer check, but a rule enforced by the database itself on every single query. One company's account cannot read another company's data, even if it tried to query the database directly.
Bank statements never leave your browser as files
The PDF itself is parsed locally in your browser. It is never uploaded to or stored on any PropCheck server. Only the extracted text is sent to Anthropic's Claude API to generate the risk analysis, and only the resulting report is stored, not the source document.
AI analysis requires a real, active account
Every AI-powered action (screening analysis, lease drafting) checks a signed-in session and an active account status before running. It isn't a public endpoint anyone can call. Only the pre-sales chat assistant on this site is intentionally open to visitors, and it has no access to any tenant's data, your account, or the database.
Standard platform protections
All traffic is served over HTTPS
Passwords are never handled or stored by PropCheck directly: authentication runs through Supabase Auth, which hashes and manages credentials
Data is hosted on Supabase's managed Postgres infrastructure, which encrypts data at rest
A Content Security Policy and standard security headers (X-Frame-Options, nosniff, referrer policy) are enforced on every page
What we're honest about
PropCheck is a small, actively-developed product, not a large enterprise vendor. There's no formal third-party security audit or certification (like SOC 2) yet. What's on this page is real and currently deployed, not aspirational. If that changes, this page will say so.
Found something that looks wrong, or have a security question? Email propcheck.za@gmail.com.
Calculators
The same rent-affordability rule PropCheck's AI applies to every screening, and the real cost of each pricing plan: live math, not a demo.
Rent Affordability Calculator
PropCheck's AI screening scores every tenant against the 30% / 35% / 40% rent-to-income rule: rent under 30% of income is ideal, up to 40% is borderline, and above 40% is high risk. Try it with your own numbers.
R
R
Rent-to-income ratio—
▼ 30% Ideal35% Borderline40%+ High Risk ▲
Enter income and rent
Plan Cost Calculator
See exactly what each PropCheck plan costs you at your real screening volume, side by side. Updates as you type.
Pricing
Pay per screening or go monthly
No contracts. Cancel anytime. Bulk discounts available for 50+ units.
Pay Per Use
R400/ screening
Perfect for landlords or smaller portfolios who screen tenants occasionally.
Full AI risk report
Income & expense breakdown
APPROVE / REVIEW / DECLINE verdict
PDF export
Growth (Most Popular)
R4,167/ month, billed annually
R50,000 billed once a year
15 screenings included. For agencies screening regularly but not daily: the gap between occasional and high-volume.
Everything in Pay Per Use, plus:
15 screenings / month included
R350 per screening after 15
Unlimited
R6,667/ month, billed annually
R80,000 billed once a year
For property management companies handling 50-200+ units. Unlimited screenings.
Everything in Growth, plus:
Unlimited screenings
Portfolio manager: save units once, auto-fill every screening
Priority WhatsApp support: same-day response
Pay Per Use
R400/screening
Growth
R5,000/mo
Unlimited
R8,000/mo
Monthly fee
None
R5,000
R8,000
Paid annually (2 months free)
—
R50,000/yr
R80,000/yr
Screenings included
Pay per screening
15 / month
Unlimited
Cost per screening
R400
Included (first 15)
Included
Cost after included screenings
R400 each
R350 each
None (unlimited)
AI risk report, verdict & PDF export
AI fraud detection panel
Share reports via WhatsApp
Portfolio manager (saved units)
Priority WhatsApp support (same-day)
SA ID checksum (Luhn validation)
POPIA-compliant data handling
Everything PropCheck actually does
One tool, real features. No fake integrations, no "coming soon" badges dressed up as done. Everything below is live in the product today.
Screening
AI Tenant Screening
Upload → Analyse → Decide, in under a minute
Upload an applicant's bank statement PDF. It's parsed entirely in your browser, and the file itself is never uploaded anywhere. Only the extracted text is sent to Claude (Anthropic's AI) for analysis, which returns a full income and expense breakdown plus an APPROVE / REVIEW / DECLINE verdict, typically in under 60 seconds.
Rent affordability check (30/35/40% rule)
Requested rent is measured against net monthly income using the same rent-to-income thresholds shown on every report: 30% ideal, 35% borderline, 40%+ high risk.
AI risk score & red flags
Risk score 0-100, rated LOW / MEDIUM / HIGH
Gambling & payday-loan transaction flags
Bounced debit order history
Declining balance trend detection
Salary stability over the statement period
Positives listed too, not just red flags
SA ID checksum validation (FICA)
Every applicant ID number is checked against the real Luhn checksum algorithm used for FICA identity verification, instantly flagging malformed or invalid ID numbers.
Portfolio
Portfolio & Property Management
UNLIMITED PLAN
Properties: portfolio manager
Save each unit once: rent & unit reference auto-fill on every future screening
Occupancy, screening count & last verdict per property
Lease-end date tracking feeds renewals & compliance score
Free-text notes field per property
Included on the Unlimited plan (R8,000/month). Not available on Pay Per Use or Growth.
Applicant comparison
Select up to 3 applicants for the same unit and compare them side by side: income, expenses, risk score and affordability, laid out in columns from the same data as their individual reports.
Lease renewals panel
Your Dashboard surfaces every lease ending in the next 60 days, with a one-click "Screen for Renewal" action that pre-fills the screening form from the saved property.
Action Center
A live, always-current list of what needs your attention: applicants flagged REVIEW in the last 30 days, leases renewing within 30 days, and recent declines, computed fresh every time you load the Dashboard, not a separate notification system to fall out of date.
Reports
Reports & Compliance
Screening reports
Every screening gets a full report, ready to print or save as a PDF, plus a one-tap Share via WhatsApp button to send it straight to a colleague or landlord.
Portfolio report
One aggregate, printable report across your whole portfolio: verdict counts, average risk score, and risk distribution across every screening you've run.
Lease agreement generation
Draft a lease agreement straight from a screening's details: tenant, property, rent, deposit and term. Print it, save it as a PDF, or share a note via WhatsApp.
POPIA audit log & compliance score
A real, computed Compliance Score (never a fabricated number), averaging your FICA ID-checksum pass rate with how many occupied units have a lease end date on file, alongside a full audit trail of how every tenant's data was processed.
POPIA
FICA
Workflow
Analytics & Workflow
Analytics dashboard
Screening volume over time: up to 6 months of real history
Verdict trend (Approve / Review / Decline) by month
Average risk score: this month vs last month
Portfolio-wide risk mix breakdown
Outcome tracking & prediction accuracy
An AI verdict is only useful if it's actually right. Once a tenant's been in place a while, log what really happened (paid on time, some issues, or defaulted) right from the report or a nudge in the Action Center once a screening passes 90 days with no outcome on file yet.
One-tap outcome logging from any report
Action Center nudge after 90 days, unlogged
Real Prediction Accuracy stat on Analytics
Shows "not enough data yet" until it's real
⌘ / Ctrl K
Command palette
Press Cmd/Ctrl+K anywhere in the app to jump straight to any screening or property by name, no digging through menus.
What PropCheck doesn't do (yet)
PropCheck is not a credit bureau and does not currently pull live data from TPN, Experian, or Home Affairs. Those integrations are on our roadmap and clearly marked as "not connected" inside the app until they're real. Every recommendation is AI-generated guidance from real bank statement data, not a guarantee, and the final tenancy decision is always yours.
HONEST BY DESIGN
Ready to see it on a real applicant?
R400 per screening, no monthly fee, or from R5,000/month for agencies screening regularly.
PropCheck
Welcome back
Taking you to your dashboard...
Welcome back
Log in to your PropCheck dashboard
Affordability, read from the source.
PropCheck reads an applicant's own bank statement and tells you whether they can carry this rent — not whether they paid someone else last year.
Statements never leave the browserThe PDF is read on your device. Only the extracted text is analysed, and the file itself is never uploaded or stored.
Every account is isolated at the databaseRow-level security in Postgres, not an application-layer check.
Decision support, not an automated verdictPropCheck shows its reasoning and its evidence. The final call stays yours.
Good afternoon, Property Manager
Here's your screening activity
Screenings this month
0
Verdict split · this month— approved
Action Center
What needs your attention today
Loading…
Renewals Coming Up
Leases ending in the next 60 days
Loading…
Application Feed
Click any row to open the full tenant profile
No screenings yet
Screen your first tenant to see results here
Risk Distribution
Risk rating across all screenings
Low Risk
0
0%
Medium
0
0%
High Risk
0
0%
Compliance
How this account handles applicant data
POPIA
FICA
New Tenant Screening
Upload the applicant's 3-month bank statement PDF. The AI will analyse income, expenses, and risk in under 60 seconds.
R
Drop bank statement here
or browse files · PDF only · 3 months recommended
OR
PDF read locally in your browser — no document data leaves your device
PropCheck
Loading…
PropCheck
Activate Your Account
Ready to pay? Message us on WhatsApp and we'll send you the payment details directly — we'll activate your account the same day.
Not ready to pay yet?
Send us one of your actual applicants' bank statements on WhatsApp and we'll screen it for you free, so you can see a real report on a real tenant before you commit to anything.
SA banks usually protect statements with the account holder's SA ID number or account number.
Wrong password — try again.
Generate Lease Agreement
Log Outcome —
Link ready to send
The tenant opens this, uploads their own statement — no login needed — and it lands in your dashboard as a finished screening. Valid for 7 days, one use only.
Side by side, from the same screening data as their individual reports
Demo Mode · sample data, nothing is saved
Local storage & privacy
PropCheck uses your browser's local storage to remember your theme preference, your notification settings, and to keep you signed in — that's it. No third-party analytics or advertising trackers.
