We understand that starting a new business comes with
challenges, especially if you don’t have an established credit
history. To support entrepreneurs while protecting the
interests of all parties, River Oaks Shepherd Commons requires
the following financial documentation and guarantees for new
businesses without credit history:
Personal Guarantee
A personal guarantee is required from the business owner(s).
This ensures that you, as the business owner, personally back
the lease agreement in case of default by the business.
Security Deposit New businesses without credit history must
provide a security deposit equal to 6- 12 months of base rent
and NNN fees. The exact amount will depend on the size and
duration of the lease.
Financial Statements
You will need to submit the following:
-
Personal financial statement: This includes a summary of
your personal assets, liabilities, and net worth.
-
Bank statements: At least 6 months of recent personal or
business bank statements demonstrating financial stability
and sufficient liquidity.
Business Plan
A detailed business plan is required to evaluate your business
model, revenue projections, and growth potential. Include:
- Executive summary.
-
Financial forecasts (cash flow, profit/loss projections).
- Market analysis.
-
Strategy for rent payments and operational sustainability.
Co-Signer Option
If applicable, a co-signer with an established credit history
may also be required to strengthen your application.
Proof of Funding or Investment
Submit documentation that verifies your startup capital or any
secured funding, such as:
- Loan approval letters.
-
Investor agreements.
- Savings accounts allocated to the business.