Falling behind on commercial rent is more common than owners admit, and it can escalate quickly. Here is how to approach the landlord and when outside funding fits.
Apply Now →When cash runs short, owners tend to pay payroll first because employees leave, suppliers second because they stop shipping, and rent third because the landlord feels farther away. A month or two of partial payments can accumulate faster than expected, and owners then face a lump sum that is larger than any single month's cash flow.
This is not legal advice. If you are facing a notice or a threat of lockout, speak to a Texas attorney. The aim of this page is to help you size the cash problem.
| Item | Often overlooked |
|---|---|
| Past-due base rent | No |
| Late fees | Yes, they can add up |
| Common-area or tax pass-throughs | Yes, in many commercial leases |
| The upcoming month's rent | Yes, it is due again before you recover |
For illustration, an invented shop owing two months at $6,000 plus fees and the next month's rent may need roughly $20,000 to be fully current, not $12,000. Those are round numbers, not our terms.
A single bad month and a structural problem call for different answers. If a slow season or a late customer payment caused the shortfall, bringing the account current with working capital can reset the situation. If rent is simply too high for your sales, catching up buys time but does not solve the underlying math, and you may need to renegotiate or move. Be honest with yourself about which one you face.
Landlords generally prefer a paying tenant over an empty unit and a legal process. They respond best to a short, honest message that names the amount owed, the reason the account fell behind and the date by which it will be brought current. Vague promises do the opposite. If you can pay part immediately and the remainder on a clear date, say so, and keep that date. Missing a second promised date does more damage than the original delay. A funded catch-up payment is one way to keep the promise you make.
The funding range is $25,000 to $5,000,000, so a smaller arrears balance may need another solution. Funding can arrive in as little as 24 hours. The application takes about five minutes with a soft credit pull, and sole proprietors can apply. When you are ready, start your application.
Yes. Contact them in writing with a specific plan before the due date.
Back rent, late fees, any pass-through charges and the next month's rent.
Funding starts at $25,000.
Yes.
No. If you have received a notice, consult a Texas attorney.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
