A tenant estoppel certificate, filled in from your lease.

Enter the lease facts a buyer or lender needs confirmed: rent, dates, deposit, amendments, and exceptions. You get a complete tenant estoppel certificate to print, save as a PDF, or edit in Word, and the guide below explains what each statement commits the tenant to.

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Fill in from the lease file

The facts the buyer or lender needs confirmed

The certificate updates as you type. Anything you leave blank prints as a line to fill in by hand.

You're looking at a filled-in example. Replace it with your lease's facts.

Step 1: The request

The buyer, the lender, or both, by legal name. Lenders often add “and its successors and assigns.”

The transaction
Step 2: Parties and premises

Exactly as the lease names it.

The entity that signed the lease, not the trade name.

Center name and street address.

Step 3: The lease and its term

One per line, with its date. Leave blank if the lease has never been amended.

Describe each option. Leave blank if there are none.

Step 4: Rent and deposit

Today's rent, after any steps.

Current CAM/NNN estimate.

Leave blank if none. Buyers and lenders look hard at prepaid rent.

Step 5: Exceptions

Leave each one blank if the answer is “none”. The certificate then states there are none.

Anything either side claims the other owes or hasn't done.

Purchase option, right of first refusal, or right of first offer.

Step 6: Signature

Adds a guarantor confirmation block. Leave blank if the lease has no guaranty.

Tenant Estoppel Certificate

To: Crescent Peak Capital LLC and Lakeshore Community Bank

Date: November 2, 2026
Re: Suite 101, Northline Commerce Center, 4120 Northline Ave, Columbus, OH

Tenant certifies to the parties named above as follows:

  1. Lease. The undersigned (“Tenant”) is the tenant under a lease dated August 15, 2022 between Northline Commerce LLC, as landlord (“Landlord”), and Tenant, as amended by First Amendment to Lease dated June 1, 2024 (together, the “Lease”). The Lease is in full force and effect and is the entire agreement between Landlord and Tenant for the Premises. There are no other agreements, written or oral, that modify it.
  2. Premises. Tenant leases and occupies the premises known as Suite 101, Northline Commerce Center, 4120 Northline Ave, Columbus, OH containing approximately 2,400 rentable square feet (the “Premises”), and has accepted possession of them.
  3. Term. The term of the Lease commenced on October 1, 2022 and expires on September 30, 2032. Tenant's only renewal or extension rights are: two options to extend the term for five years each, at 95% of fair market rent.
  4. Rent. The current monthly base rent is $8,420.00. Tenant currently pays $1,775.00 per month as estimated additional rent for operating expenses, real estate taxes, and insurance, subject to reconciliation under the Lease. Base rent and additional rent have been paid through November 30, 2026. No rent has been paid more than one month in advance.
  5. Security deposit. Landlord holds a security deposit of $16,840.00 under the Lease, and no other deposit, letter of credit, or prepaid amount.
  6. No defaults. To Tenant's knowledge, neither Landlord nor Tenant is in default under the Lease, and no event has occurred that, with notice or the passage of time, would become a default. Tenant has no claim, defense, or right of offset against rent or other charges due under the Lease.
  7. Improvements and allowances. All work Landlord was required to perform under the Lease has been completed and accepted by Tenant, and every improvement allowance or other payment owed to Tenant has been paid in full.
  8. Purchase rights. Tenant has no option, right of first refusal, or right of first offer to purchase the Property or any part of it.
  9. Assignment and status. Tenant has not assigned the Lease or sublet any part of the Premises, and no bankruptcy, insolvency, or similar proceeding is pending against Tenant.
  10. Reliance. Tenant makes this certificate knowing that Crescent Peak Capital LLC and Lakeshore Community Bank and its successors and assigns will rely on it in connection with the proposed purchase of the Property and the loan financing that purchase. The person signing below is authorized to sign for Tenant.

Tenant has signed this certificate as of the date first written above.

TENANT: Northline Dental PLLC

By: ______________________________

Name: Dr. A. Rivera

Title: Managing Member

Date: November 2, 2026

The undersigned guarantor of the Lease confirms that its guaranty remains in full force and effect and that it has no defense to the guaranty. Guarantor: Dr. A. Rivera

By: ______________________________

A starting draft, not legal advice. Check the lease’s estoppel clause for what the tenant must certify, use the lender’s form if it requires one, and have counsel review before it’s signed.

Keep every lease fact in one place for the next estoppel

When you need an estoppel, and who signs what.

An estoppel request almost always means a sale or a loan is underway, and the clock is running.

A landlord sends estoppel certificates to tenants when a buyer or lender wants the tenants themselves to confirm the lease facts. The usual triggers:

  • Sale of the property. The purchase agreement usually makes delivery of signed estoppels from some or all tenants a condition of closing.
  • New loan or refinance. The lender sizes the loan on the rent roll and wants tenants to confirm it before funding.
  • Sale of a tenant’s business. A buyer of the tenant’s business, or the tenant’s own lender, may ask the landlord for a landlord estoppel confirming the lease is in good standing.
Who does what in a tenant estoppel
PartyRoleWhat it wants
LandlordPrepares and sends the certificateSigned certificates back fast, with no exceptions that spook the buyer or lender
TenantReviews, corrects, and signsTo certify only what is true and not give up claims it has
Buyer or lenderRelies on it, often supplies its own formConfirmation that the rent roll and lease file are accurate, and early warning of disputes

Start early. Collecting signed estoppels is one of the slowest items on a closing checklist, especially in a multi-tenant center where one unresponsive tenant can hold up the whole deal.

What each statement actually commits the tenant to.

Every line in the certificate is a fact the tenant can't walk back later. Here's what each one protects against.

The ten statements in this certificate
StatementWhat it confirmsWhat it protects the buyer or lender from
1. LeaseThe lease and every amendment, and that nothing else modifies itSide letters and oral deals that change rent or rights
2. PremisesWhich space, its size, and that the tenant has taken possessionDisputes over square footage behind the pro-rata share
3. TermCommencement, expiration, and renewal optionsA tenant leaving earlier, or holding a cheaper option, than the rent roll shows
4. RentCurrent base and additional rent, paid-through date, no prepaid rentRent paid ahead to the seller, and rent lower than represented
5. DepositThe deposit the landlord holdsInheriting a deposit obligation larger than the cash transferred at closing
6. No defaultsNo defaults, defenses, or offsetsA tenant later withholding rent over an old complaint
7. ImprovementsLandlord work done, allowances paidOwing an unpaid TI allowance after the sale
8. Purchase rightsNo option, ROFR, or ROFO on the propertyA tenant right that could block or reprice the sale
9. StatusNo assignment, sublease, or bankruptcyAn unknown occupant, or rent tied up in bankruptcy
10. RelianceThe named parties may rely on the certificateThe tenant later arguing the buyer or lender can't enforce it

Lender forms often add more: subordination language, a promise to give the lender notice and a chance to cure landlord defaults, and confirmation that the tenant won’t pay rent more than a month ahead. Those belong in an SNDA as much as an estoppel. If the lender’s form goes beyond what the lease’s estoppel clause requires, the tenant can push back on the extra items.

Before you send it: a landlord’s checklist.

A certificate the tenant has to correct costs days. These are the errors that send it back.

  1. Pull the whole lease file, including every amendment, side letter, commencement-date memo, and assignment. Missing one is the most common reason a tenant marks up a certificate.
  2. Use today’s rent, not the original. Apply every escalation that has already happened. The lease escalation calculator will show the rent in effect this lease year.
  3. Check the ledger. The paid-through date and the absence of arrears should match the tenant’s actual payment history, including partial payments and late fees.
  4. Settle open CAM questions first. An unresolved reconciliation dispute is exactly the kind of claim a tenant will write in as an exception. See what to do when a tenant disputes a CAM reconciliation.
  5. Confirm the deposit you actually hold, including any burn-down or application to past-due rent.
  6. Send it the way the lease requires (address, method, and any required copy to counsel) so the response period starts, and diary the deadline.

The faster way: every fact in an estoppel already lives in a good lease record: rent steps, dates, amendments, deposit, and payment history. TenantPoint keeps those in one record per tenant, so a sale or refinance starts from data you trust instead of a weekend in the filing cabinet. Start with the lease abstraction checklist.

Received one? How a tenant should review it.

Tenants: you are bound by what you sign, so treat the certificate as a contract, not a form.

  • Compare every figure and date with your copy of the lease, every amendment, and your payment records.
  • List any amendment, side letter, or written agreement the landlord left out.
  • Write in any claim you have: unfinished landlord work, an unpaid allowance, a disputed CAM charge, a repair the landlord owes. Leaving it out can waive it.
  • Qualify broad statements with “to Tenant’s actual knowledge” where the certificate asks you to confirm facts you can’t know.
  • Strike items the lease’s estoppel clause doesn’t require, and return it within the lease’s deadline.

Free checklists

Get the lease abstraction and renewal checklists

The fields to pull from every lease, the renewal steps to calendar, and a rent roll template to keep the results in one place.

  • Commercial Lease Abstraction ChecklistPrintable checklist
  • Commercial Lease Renewal Checklist for LandlordsPrintable checklist
  • Commercial rent roll templateSpreadsheet template

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How to use the Tenant estoppel certificate generator

  1. Fill in the lease facts

    Parties, premises, dates, rent, deposit, and amendments, from the lease file and the tenant ledger.

  2. Note any exceptions

    Defaults, unfinished work, or purchase rights. Leave each blank if there are none, and the certificate says so.

  3. Print, save, or edit

    Print or save as a PDF to send, or download a Word file to edit or merge into the lender's form.

What this template covers, and what it doesn’t.

Included

The ten core statements

Lease and amendments, premises, term and options, rent and paid-through date, deposit, defaults, improvements, purchase rights, status, and reliance, plus an optional guarantor block.

Not included

Lender-specific add-ons

SNDA terms, lender notice-and-cure rights, percentage-rent sales figures, or state-specific requirements. Merge them in from the lender's form.

Best use

A clean first draft

Send tenants an accurate, complete certificate on day one so fewer come back marked up, and closing isn't waiting on the last signature.

How this is calculated.

Steps

  1. Each field drops into the matching numbered statement; dates entered as calendar dates print as “March 1, 2024”.
  2. Amounts entered as numbers print as dollars with cents; text such as “None” prints as written.
  3. Amendments, one per line, are listed in the Lease statement; with none entered, it states the lease has not been amended.
  4. A blank exception field produces the standard “none” statement; any text entered is written in as an exception.
  5. Any other blank field prints as a line to complete by hand.

What it leaves out

  • Legal review of the lease's estoppel clause.
  • Lender form language and SNDA terms.
  • State-specific requirements.
  • Percentage rent and sales reporting.

Method checked October 4, 2026. General information for commercial property owners, not legal, tax, or accounting advice. The signed lease controls.

Estoppel certificate questions, answered.

What is an estoppel certificate?

A tenant estoppel certificate is a signed statement from a commercial tenant confirming the key facts of its lease: that the lease is in effect, which amendments exist, the current rent, what has been paid, the security deposit, the lease dates, and whether either side is in default. A buyer or lender asks for it before closing so it can rely on those facts. “Estoppel” means the tenant is later prevented (estopped) from claiming facts different from what it certified, for example that it prepaid six months of rent or that the landlord promised it a free renewal.

What is the purpose of an estoppel certificate?

It protects the buyer or lender from surprises that aren't visible in the documents they were given: a side letter that cut the rent, an unpaid allowance the tenant plans to offset against rent, a purchase option, or a default the tenant intends to raise. Because the tenant is bound by what it certifies, the certificate turns the landlord's rent roll and lease file into facts confirmed by the person paying the rent. Lenders usually make estoppels from major tenants a condition of funding, and buyers make them a condition of closing.

Who prepares and who pays for an estoppel certificate?

The landlord usually prepares it, often on a form supplied by the buyer or lender, and sends it to the tenant to review and sign. Preparing it is part of the landlord's cost of selling or financing the property. Some leases let the landlord charge the tenant a fee for repeated requests, and some let the tenant charge the landlord for its legal review. Check the estoppel clause for any fee and for how often the landlord can ask.

How long does a tenant have to return an estoppel certificate?

Whatever the lease says. Most commercial leases include an estoppel clause requiring the tenant to sign and return the certificate within a set period after request, commonly 10 to 20 days. Many also say that if the tenant doesn't respond in time, the statements are deemed true, or that the failure is a default. Send the request in the way the lease's notice clause requires so the clock actually starts.

What happens if a tenant refuses to sign an estoppel certificate?

If the lease has an estoppel clause, refusing is usually a breach, and the lease may treat the certificate as deemed accepted or let the landlord sign it as the tenant's attorney-in-fact. In practice, a refusal is more often a disagreement about a statement than a refusal to sign at all. Ask the tenant to mark up what it disagrees with: an exception written into the certificate is far better for the deal than a missing certificate. If the lease has no estoppel clause, the tenant has no obligation and you'll need to negotiate.

Should a tenant sign an estoppel certificate?

Usually yes, because the lease requires it, but only after checking every statement against its own records. A tenant is bound by what it signs, so it should correct wrong figures, list every amendment and side letter, and write in any claim it has against the landlord, such as unfinished work, an unpaid allowance, or a CAM overcharge it is disputing. A tenant should also strike statements that go beyond the lease's estoppel clause, such as waiving claims it doesn't yet know about.

What is the difference between an estoppel certificate and an SNDA?

An estoppel certificate confirms facts about the lease as of a date. An SNDA (subordination, non-disturbance, and attornment agreement) is an agreement among the tenant, the landlord, and the lender about the future: the lease is subordinate to the loan, the lender won't disturb the tenant's possession if it forecloses while the tenant is not in default, and the tenant will recognize the lender or a foreclosure buyer as its landlord. Lenders often request both at the same time.

Is there an official or state estoppel certificate form?

For commercial leases, generally no. There is no standard government form; the content comes from the lease's estoppel clause and from what the buyer or lender asks for, and many lenders insist on their own form. Homeowners' association and condominium estoppel certificates are a different document, issued by the association about a unit owner's dues, and some states regulate them by statute. This template is for commercial landlord-tenant leases.

General information for commercial landlords and tenants, not legal advice. The lease's estoppel clause, the transaction documents, and local law control; have counsel review a certificate before it is signed.

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