Lease Rental Discounting (LRD) – Unlock Funds from Your Rental Property

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Lease Rental Discounting (LRD) – Monetize Your Rental Income

Lease Rental Discounting (LRD) is a secured loan facility offered against commercial properties that generate stable rental income. Under this facility, lenders provide loans based on the future rental cash flows from leased properties.

At Speedy Loan Finance Services, we help property owners, developers, and businesses unlock the value of their leased assets with structured and cost-effective LRD solutions.

1. What Is Lease Rental Discounting (LRD)?

LRD is a funding solution where:

The loan is sanctioned against leased commercial property
Repayment is directly linked to monthly rental income
The lease agreement with a reputed tenant forms the base of eligibility

It is ideal for property owners seeking large-ticket funding without selling their asset.

2. Eligible Properties & Tenants

Eligible Properties:

Commercial offices
IT parks
Retail outlets
Warehouses & industrial units

Preferred Tenants:

MNCs
Corporates
Reputed companies with long-term leases

Stronger tenants improve loan eligibility and interest rates.

3. Key Eligibility Criteria

Credit Profile (CIBIL Score):

750+ → Best interest rates and higher loan amounts
700–749 → Good approval chances
Below 700 → Case-to-case basis

Lease Agreement:

Registered lease agreement
Remaining lease tenure of 3–5 years or more
Stable and predictable rental income

4. Loan Amount & Tenure

Loan Amount:

Typically 60%–75% of the property’s rental value or discounted cash flow

Tenure:

Usually aligned with the lease tenure
Ranges from 5 to 15 years

Higher rental stability results in better loan terms.

5. Rental Income & Cash Flow Assessment

Lenders analyze:

Monthly rental receipts
Lease escalation clauses
Vacancy risk
Credit profile of tenant

This ensures reliable loan servicing through rental inflows.

6. Documentation Required

KYC Documents:

PAN Card
Aadhaar Card

Property & Lease Documents:

Registered lease agreement
Rent receipts & bank statements
Property ownership documents
Approved building plans

Financial Documents:

ITR for last 2–3 years
Bank statements (6–12 months)

Complete documentation enables faster processing and sanction.

7. Banks & NBFCs Offering LRD Facilities

Speedy Loan Finance Services works with leading lenders such as:

Banks:

HDFC Bank
ICICI Bank
Axis Bank
Kotak Mahindra Bank
State Bank of India (SBI)
Punjab National Bank (PNB)

NBFCs:

Tata Capital
Bajaj Finserv
IIFL Finance
UGRO Capital

Each lender offers customized LRD structures based on tenant quality and property profile.

8. Benefits of Lease Rental Discounting

Access to large loan amounts
Lower interest rates (secured loan)
Retain ownership of property
Loan serviced through rental income
Ideal for expansion, refinancing, or new investments

Summary Checklist for LRD Applicants

Before applying, ensure:

Property is commercially leased
Tenant has strong financial credentials
Lease tenure is long-term
Rental income is consistent
Property documents are legally clear

Why Choose Speedy Loan Finance Services?

Expertise in structured property finance
Multiple bank & NBFC partnerships
Best interest rate comparison
Complete support from evaluation to disbursal

Apply for LRD Loan Today

Unlock the true potential of your rental property with Lease Rental Discounting through Speedy Loan Finance Services.

📧 Email: loanspeedy@gmail.com
📞 Contact: 7350005590

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