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Commercial Lease Risk Score

Answer 8 questions about your lease and get an instant risk score from 0 to 100. Each risky clause adds points. The higher the score, the more you should negotiate before signing.

01
Your lease has annual rent increases with no cap on how much they can go up.

CPI-linked escalations with no ceiling, or "market rate" adjustments, count as uncapped.

02
You pay CAM charges (operating expenses, taxes, insurance) and they have no annual increase cap.

Applies to NNN and modified gross leases. If you pay a fixed gross rent with no passthrough, select No.

03
Your personal guarantee covers your full personal assets for the entire remaining lease term.

A full-term, unlimited PG with no burn-off or dollar cap is the highest-risk guarantee structure.

04
Your lease has no early termination option — you cannot exit before the end date without breaching.

Even a termination right with a fee is better than none. Select No if you have any defined exit path.

05
Your holdover rate is 150% or more of your last month's base rent.

Holdover is what you pay if you stay even one day past lease end. 200% is common but very risky.

06
Your landlord has the right to relocate you to a different space within the property.

Common in multi-tenant properties. If this clause exists and has no protection terms, it is a significant risk.

07
You cannot sublet or assign your lease without landlord approval, and there is no standard set for when they can refuse.

"Sole discretion" consent is the highest-risk version. "Not unreasonably withheld" (NWCD) is the safe version.

08
Your renewal option sets rent at "fair market value" determined by the landlord at the time of renewal, with no cap.

FMV renewals can result in a 30–50% rent jump at renewal. A fixed-rate renewal or capped FMV is significantly safer.

0 of 8 answered — answer at least 4 to score

This calculator is a starting point. It identifies which risk categories to focus on — but the actual risk depends on the exact language in your lease. The $75 full analysis reads your PDF directly.

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