Commercial Building at Night


The Commercial real estate sector faces many challenges in 2020. These include managing tenants with diverse occupancy profiles, containing service costs, managing market fluctuations, being able to deploy capital in the most strategic way, and developing growth initiatives that will maintain revenue streams while satisfying investors' and lenders' expectations.
With these demands, we believe commercial rent guarantees and risk management advice are critical components. To ensure that your business is protected from the NEW NORM and can remain competitive, it is imperative that you have Pensio Commercial assess your rental income risks.

Pensio is a growing leader in developing new rent guarantee products designed specifically for residential and commercial landlords. Our expertise and secure rent guarantee programs can support REITs, asset managers, property managers, owners, developers, and lenders.


Rent guarantees and risk management issues in the commercial leasing context are highly technical, interrelated and for the most part misunderstood. Risk Management in Commercial Leasing is an area that requires considerable analytical insight on an individual transaction basis. 


There are many risk factors depending on the commercial property that will affect and limit the type of commercial rent guarantee that can be provided to clients by Pensio; for example:

  • Factors that limit recovery of rent from a defaulting tenant guaranteed by Pensio

  • Rights  to lease subrogation and waivers of subrogation

  • Express and implied common law releases and indemnities from the parties

  • Management liability

  • The damage and destruction provisions of a lease and how they interrelate with the rent guarantee

  • Adverse selection - exclusion of certain listed tenants from rent guarantee exposure

  • Financial Stability - post COVID-19

  • Business Viability - post COVID-19


Stacks of Coins
Rent Guarantee
Performance Bond
Judge and Gavel
Eviction Services
Office Building
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