A handshake deal, with the paperwork done.
Summit Shred Swap is Summit County’s peer-to-peer gear exchange. People here list what they own; members rent it by the hour, the day, the night or the week. Money moves through Stripe: the renter pays up front, the owner is paid at the hand-off, and only the deposit is held until the gear is back.
The whole thing in 43 seconds
Your gear is a paycheck: list it, price it, rent what you don’t own, protected every time.
Everyone is who they say they are
Before paying for a first rental, every renter verifies a driver’s license with a live selfie, checked by Stripe — once, ever, and we never see the license. Browsing, listing and asking need none of that. Anyone with gear to hand off here can list it — no local address or license, no approval — and anyone can rent, from anywhere. Every member adds a mobile number, so requests and replies reach people by text.
Money first, then keys
Renters pay when the owner accepts. The moment both sides confirm the hand-off, the rental money is sent to the owner’s account. The only money that waits is the renter’s deposit, held on their card from the moment they pay and released when the gear comes back in good shape.
Break it, fix it
Damage beyond normal wear is on the renter — parts and labor, up to the replacement value the owner listed. The listing photos are the baseline, a photo or short video at hand-off and return is suggested, and the deposit is the first thing a repair comes out of.
Not returned means reported
Gear not back 48 hours after the return time, with the renter unresponsive, is charged at replacement value and reported to law enforcement with the renter’s verified identity. The account is closed for good.
The exchange, step by step
- Owner lists. Live the moment it’s saved. Photos, price per day (and per hour block, overnight or week if they like), minimum length, latest return time, notice needed, replacement value, deposit, and the hand-off options: a public spot, the trailhead or lot where it’s used, “swing by”, delivery, or a lockbox for trusted renters.
- Renter requests. Picks the dates, a hand-off option and window, and agrees to the Rental Agreement. Nothing is charged yet.
- Owner accepts. Within 48 hours. The booking gets its own thread for the details; the renter pays within the hour to lock the dates (the one-time ID check comes right before a first payment), and the deposit hold goes on the card at the same time.
- Hand-off. Both people confirm in the app — a photo or short video of the gear is a good idea, not a requirement. The owner is paid right then; the rental clock starts.
- Return. Same photos, both confirm. The deposit goes back to the renter and both earn Shred Points. If the owner files a claim instead, the deposit stays held until it’s decided; claims can also be filed within 48 hours after.
What it costs
The platform fee is 10% of the rental price, and that’s it: 5% from the renter, 5% from the lender. Listing is free. If a lender prices skis at $40 a day, the renter pays $42 plus Stripe’s card fee and the lender gets $38. Founding lenders pay no lender fee for their first 12 months (below); everyone else pays the same fee. That 5% on each side is what builds and maintains the platform — the ID checks, the payments, the deposits, the claims desk — so lenders keep earning from gear that would otherwise sit and renters keep getting good gear for less than a shop.
Card processing. Stripe, our payment processor, charges a fee to take a card (2.9% + $0.30 per charge). It shows as its own line at checkout so you can see it; we don’t set it and we don’t keep any of it.
Sales tax is collected where it applies. You see every line — rental, our fee, deposit, tax, card processing — before anything is charged.
Free cancellation until 48 hours before pickup. Inside that, the owner keeps one rental period. If a renter doesn’t show up for the hand-off, 50% of the rental price goes to the owner for the day they set aside and the rest is refunded. Late returns get a 2-hour grace period, then a full extra period is charged.
Pick your dates on the calendar. Every listing shows which days are open; days the owner has booked or set aside for themselves are greyed out. Owners see who has their gear and when, and what they’ll be paid at each hand-off, so they can plan.
Shred Score
Any member can ask to rent anything in the garage — the Shred Score is your track record, not a gate. You start at 25; every completed rental earns points on both sides, roughly one point for every five dollars of rental: a $50 day is about 10 points, a sled day about 100. After every rental both people review each other — stars, plus communication, the hand-off, the gear’s condition and the money — and the review moves the other person’s score: a 5-star review is +5, a 1-star is −10, and a damage or money problem costs more. Leaving a review earns 2. No-shows and claims cost points. Ranks: Rookie, Local, Regular, Ripper, Legend. Separately, owners can set the rider level their gear needs (Intermediate and up for a freeride board, say) against the ability you rate yourself at on your profile.
Founding lenders: $50 and a year without the lender fee
The first 100 members to have 5 listings live — at least one of them a complete winter setup: skis or a snowboard with bindings, a splitboard or AT setup, Nordic skis or snowshoes, a snowmobile, a fat bike or an ice-fishing kit — become founding lenders, automatically; there’s nothing to apply for. Founding lenders get a one-time $50 bonus once their 5 listings have been up for 14 days, pay no lender fee for 12 months from the day they qualify (renters still pay their 5% and the card fee), and carry a Founding Lender badge for good. Skis and boards are what visitors rent most, and for days at a time — that’s why the winter setup. The full offer · Offer terms.
Not allowed
No firearms, ammunition or explosives of any kind (archery is fine). No stolen or unsafe gear. Powersports — snowmobiles, side-by-sides, ATVs, dirt bikes — are off-road only, in-person hand-off, licensed and of-age operators. Full list in the Community Standards.
The fine print: Terms · Rental Agreement · Privacy · Biometric policy.