Good questions. Straight answers.

Anyone in the Greenville area with a verified ID. Everyone, lenders and borrowers alike, verifies before their first listing or first request.

You're handing your stuff to a neighbor, or borrowing theirs. Knowing everyone is who they say they are is what makes that work.

Find it, pick your dates, send a request. Once the lender accepts, you'll set up pickup through messages.

The lender sets the daily rate. BorrowGVL adds an 8% service fee to your total. You'll see the full price before you book.

Yes. Rentals of 7 days or more get 10% off automatically. No codes, no math.

The lender sets the deposit amount, and it's the most BorrowGVL will ever collect from you for damage, loss or an item that isn't returned. It's a hold on your card, not a charge. If everything comes back in good shape, the hold is released. If an item is overdue, the deposit may be charged and held until the item is back and any claim is settled.

You get a 12-hour grace period. After that, each late day costs whichever is greater, 1.5× the daily rate or the daily rate plus $5, plus the 8% service fee, charged to your card on file. Need more time? Ask the lender for an extension before your return date. While an item is overdue, you can't send new requests. After 7 late days, the item is treated as not returned: your deposit goes to the lender, your account is suspended, and you're still responsible to the lender for the item's full value.

Great, the lender gets their item back sooner. The rental isn't prorated, so there's no refund for unused days. Your deposit comes back sooner, though: the lender's 48-hour condition check starts when you hand it back.

Yes, any time before pickup. Your card only has a hold until then, and cancelling releases all of it. If pickup is less than 24 hours away, the service fee is kept: it's charged to the same card after the hold is released. Still waiting on the lender to approve? You can withdraw your request, and nothing is charged. If the lender cancels, you get everything back too. Once you've picked the item up, the booking can't be cancelled.

Tools, outdoor and camping gear, party and event supplies, kitchen equipment, and anything else you own, use rarely, and wouldn't mind a neighbor borrowing. Gas-powered tools (pick the fuel type on your listing, and include the right fuel if you can), drones, bounce houses, costumes and formal wear (cleaned before each loan) are all welcome. You can't list weapons or fireworks (including crossbows, airsoft and BB guns), vehicles, trailers or anything that needs a licence to operate, hazardous materials, things that get used up (like alcohol, tobacco or propane tanks), drugs, single-user medical or personal items (like swimwear), car seats or climbing gear, things you don't own, surveillance gear, or animals, spaces and gift cards. Some items, like bows, propane grills, crutches and wheelchairs, and anything worth over $2,000, get a quick check by BorrowGVL before they go live.

Real photos you took yourself, of the actual item you're lending. Borrowers should see exactly what they'll get, including any wear or damage. Stock photos, pictures from the web or a store, and AI-generated or AI-edited images aren't allowed. Listings that use them won't be approved, and we may ask you to replace them later. Add at least 3: the whole item, any wear or damage, and everything that comes with it.

You set your own daily rate and deposit. Most lenders charge 5–10% of the new price per day. The deposit is the most BorrowGVL can collect for you if something is damaged or not returned, so pick an amount you're comfortable with.

What you earn goes into your BorrowGVL balance when the loan closes: when you mark the item returned and say it looks good, or 48 hours after it's returned if you don't. Withdraw it to your bank from the Earnings tab whenever you like (it usually arrives in 2 business days), or use it to pay for something you borrow.

BorrowGVL keeps a 25% service fee from each rental, taken out before it goes into your balance. On bookings where the rental is over $1,000, the fee is 15%. Founding lenders pay no service fees on their first 5 rentals.

No. You approve each request, and you can message the borrower before deciding.

Start a claim within 48 hours of marking the item returned, with photos. If you and the borrower agree on an amount, it comes out of the deposit. If you can't agree, BorrowGVL reviews it and makes the call. The deposit is the most BorrowGVL can collect for you. If repairs cost more, the borrower owes you the difference directly. BorrowGVL doesn't take a fee from deposit money paid to you.

After 7 late days, the item is treated as not returned. You get the full deposit (BorrowGVL takes no fee from it), and the borrower's account is suspended while we review what happened. The deposit is the most BorrowGVL can collect for you. The borrower still owes you the item's full value, and you can pursue that directly, for example with a police report or in small claims court. That's why it's worth setting a deposit you're comfortable with.

Founding lenders do. Refer a new lender with your code, and once their first item is booked, you each get 2 fee-free rentals. Up to 10 referrals count, the fee-free rentals expire after 6 months, and the new lender needs to verify their ID first. A referral program for everyone is coming after launch.