As Seen In
Institutional-grade tenant credit protection built for the moments that matter: refinances, lender reviews, credit downgrades, and hold-vs-sell decisions. Owners, borrowers, and lenders use Lease Protection inside the live transaction — not as theory, but as the mitigant that unlocks the next step.
Your property is only as strong as your tenant's credit. Long-term leases don't eliminate default risk — they concentrate it. A single tenant credit event can trigger a cascade of losses that traditional insurance won't cover.
Immediate cash flow disruption from missed lease payments. Your income stream stops — but your obligations don't.
In bankruptcy, your lease can be rejected overnight — impairing asset value before you can act.
Extended periods of zero income while your tenant stays in the space, renegotiates, or vacates.
Months of vacancy plus significant tenant improvement costs to attract a replacement occupant.
Tenant credit risk becomes urgent at specific points in the life of a property — not at the conceptual level. Lease Protection is built to slot into those moments as the mitigant that unlocks the next step.
Loans are maturing into a higher-rate, tighter-credit market. A hedged lease cash flow can be the difference between a clean refinance and a capital call.
Trigger: loan maturity, DSCR stressLenders are pushing for stronger recourse, reduced proceeds, or extra structure around single-tenant credit. Lease Protection meets the bar without restructuring the loan.
Trigger: recourse carve-outs, proceeds haircutWatchlisted tenants, downgraded credits, and weakening sectors quietly drain value. Targeted protection stops the bleed before it shows up in year-end marks.
Trigger: downgrade, negative watch, sector stressIf a sale clears your number, sell. If not, hold — but hold with protection. Lease Protection reshapes the economics of holding a concentrated credit position through a cycle.
Trigger: disposition review, bid gap, cap rate wideningThe pattern is consistent: adoption happens when there is a deal on the table. Refinance, sale, portfolio review, credit committee. That's where Lease Protection does its work.
Banks, insurers, and credit funds actively hedge their credit exposure. Lease Protection brings similar tools to private commercial property investors.
Every major financial institution manages credit risk as a core discipline. When a bank holds a loan, they don't just hope the borrower pays — they hedge. When an insurer underwrites a policy, they reinsure. When a credit fund takes a position, they define their downside.
You're managing a credit position like a professional — whether you realize it or not.
As a commercial property owner with a single-tenant net lease, your entire income stream depends on one counterparty's creditworthiness. That's a concentrated credit position. Lease Protection gives you access to the same kind of hedging tools that institutions have used for decades.
Every major lender manages portfolio credit risk through hedging instruments. Your lease exposure is no different.
Even insurance companies protect themselves against concentrated exposure. It's standard risk management.
Professional credit investors never take unlimited downside risk. They structure protection into every position.
Understanding the downside helps you prepare for it. Here's what tenant credit events look like in practice.
Bankruptcy reorganization
Default while remaining in space
Credit quality deterioration
of tenant credit risk falls entirely on you as the property owner
A small annual premium protects significant asset value and income
Tenant credit doesn't just affect income — it drives property value. Stabilizing cash flow can preserve or enhance your asset's worth.
The creditworthiness of your tenant is the single largest factor in your property's capitalization rate and market value.
Even the perception of credit deterioration can widen cap rate spreads, reducing your property's appraised value and limiting financing options.
Lease Protection is not just protection against loss — it's a cap rate defense strategy that can preserve or enhance the value of your investment.
Lease Protection is designed to provide a straightforward hedge against tenant credit risk.
Submit your lease details to see if your property and tenant qualify for coverage.
We structure a protection contract tied to your specific tenant's credit profile.
If your tenant files for bankruptcy, you receive payment under the contract terms.
If your tenant files for bankruptcy, you get paid. Simple, direct protection for the risk that matters most to your investment. This isn't just protection — it's value preservation and cap rate defense.
Your payment is tied to a defined credit event — not claims adjusters, not deductibles, not exclusions.
No ambiguity. No discretion. Pre-defined credit events, contractual payout structures, and transparent terms agreed upfront.
Specific, objective triggers tied to your tenant's credit profile — no subjective judgment calls.
Payment amounts and conditions are defined upfront. When a credit event occurs, the payout is automatic.
Once your protection is in place, there's nothing to monitor, adjust, or manage. It works automatically.
Every element — coverage, cost, duration, triggers — is disclosed and agreed upon before you commit.
Lease Protection is structured with major financial institutions, bringing the credibility and reliability of institutional credit markets to private investors.
Protection contracts are structured with established financial institutions that have deep experience in credit markets and risk transfer.
Your protection is backed by counterparties with real balance sheets — not SPVs, not startups. Entities built to honor their commitments.
Modeled on the same credit derivative frameworks that global institutions use to manage billions in credit exposure every day.
Move from single-asset thinking to portfolio-level risk management. Layer protection selectively where it matters most.
Spread your risk across your portfolio rather than concentrating it in a single tenant's credit profile.
Layer protection where risk is highest. Not every property needs coverage — focus on your most concentrated exposures.
Tailor coverage to your specific needs — choose the tenants, terms, and exposure levels that make sense for your portfolio.
Illustrative example. Actual coverage depends on qualification.
Clean, intuitive economics. No hidden fees, no margin calls, no mark-to-market. Just defined cost and defined protection.
Protect millions in rent exposure for a known annual cost. No surprises, no escalators, no hidden charges.
Unlike other financial hedges, there are no margin calls and no mark-to-market. Your cost is fixed from day one.
If a qualifying credit event occurs, the payout amount is defined in your contract. No claims process, no adjusters.
Each stakeholder in a single-tenant asset sees credit risk differently — and reaches for a hedge at a different moment. Lease Protection speaks to each on their own terms.
You bought the asset for predictable cash flow and a disciplined exit. A credit event puts both at risk at the same time.
At refinance, lenders are pulling back on single-tenant credit. Protection can be the mitigant that preserves proceeds and limits sponsor recourse.
Single-tenant exposure is a credit position. Lease Protection lets credit teams lean into deals where the asset is strong but the tenant needs a mitigant — and defend existing portfolios as credits migrate.
Lease Protection is a new category for many investors. Here's what it is — and what it isn't.
No. This is not property or casualty insurance. It is a credit protection contract — entirely different in structure, trigger, and payout.
No. This protection does not depend on physical damage, fire, flood, or any casualty event. It is tied solely to tenant credit.
No. You don't need to believe your tenant will fail. This is protection, not prediction. The same way you insure a building you hope never burns down.
No. This is risk management — the same approach banks and institutional investors use. It is hedging an existing exposure, not creating a new one.
The macro environment has shifted. Credit conditions are tightening, retail is evolving, and the window for proactive protection is narrowing.
The retail landscape is changing rapidly. E-commerce pressure, shifting consumer behavior, and store closures are reshaping the sector.
Pharmacy and big-box retailers face margin compression, PBM battles, and reimbursement cuts that directly impact creditworthiness.
Higher interest rates and a more selective lending environment mean credit stress is more likely and refinancing harder.
Lenders are increasingly scrutinizing tenant credit quality. Demonstrating hedged risk can strengthen your financing position.
Meaningful adoption doesn't come from reading about credit hedging. It comes from using it inside an actual refinance, sale, or portfolio review. Lease Protection is designed to live inside the deal file — priced, modeled, and documented alongside the transaction it's meant to support.
Introduced alongside the loan application or LOI — priced, sized, and scoped before the deal is papered, so credit mitigation is on the table from day one.
Coverage is modeled into DSCR, debt yield, and proceeds analysis — so the hedge shows up in the same numbers the credit committee is already reviewing.
Applied across watchlists and expiring leases in batches — so owners, lenders, and advisors can triage concentration systematically instead of asset-by-asset.
Paired with the offering memorandum to defend cap rate and broaden the buyer pool — turning a credit concern into a quantified, transferable hedge.
If you're structuring refinances, sale processes, or credit reviews where single-tenant exposure is the sticking point, Lease Protection is designed to be introduced inside your workflow — not pushed around it. We work with intermediaries to embed coverage at the moment clients actually make the decision.
Partner With UsFind out if your property and tenant are eligible for Lease Protection. Our team will walk you through how it works.
You've already taken the credit risk. Lease Protection helps you manage it.