LEASE RENTAL DISCOUNTING (LRD)

If you own a leased commercial property that generates regular rental income, Lease Rental Discounting (LRD) allows you to raise substantial funds against future lease rentals without selling your property. It is an ideal financing solution for commercial property owners, investors, developers, and businesses seeking capital for expansion or other financial requirements.

At Infinity Credit Consultants LLP, we help you compare multiple lenders to secure competitive LRD financing with attractive terms and faster approvals.

What is Lease Rental Discounting (LRD)?

Lease Rental Discounting is a secured loan where banks or financial institutions evaluate the future rental income generated from your leased commercial property and provide funding against those expected lease receivables.

The rental income generally serves as the primary source for loan repayment, subject to lender assessment and eligibility criteria.

Why Choose Our LRD Services?

Commercial properties with stable rental income can become powerful financial assets. We help you maximize their value through structured financing solutions.

• Compare multiple lenders with one application
• High-value funding opportunities
• Competitive interest rates
• Flexible repayment options
• Quick eligibility assessment
• Transparent documentation
• Dedicated relationship manager
• End-to-end assistance

Who Can Apply?

Our Lease Rental Discounting solutions are suitable for:

Individual Property Owners

Owners of leased commercial properties generating regular rental income.

Business Owners

Businesses owning leased commercial assets.

Builders & Developers

Developers with leased commercial projects.

Companies

Private Limited Companies, LLPs, and Partnership Firms owning leased commercial properties.

Commercial Property Investors

Investors earning rental income from commercial real estate.

Eligible Property Types

LRD financing may be available for:

• Office Buildings
• IT Parks
• Commercial Complexes
• Shopping Centres
• Retail Shops
• Showrooms
• Business Parks
• Warehouses
• Industrial Buildings
• Commercial Floors
• Mixed-use Commercial Properties (subject to lender policy)

Common Uses of LRD

Funds obtained through Lease Rental Discounting may be used for:

• Business expansion
• Purchase of commercial assets
• Working capital
• Debt refinancing
• Acquisition of new property
• Business diversification
• Infrastructure development
• Other legitimate financial requirements

Key Features

• Loan against future lease rentals
• High loan eligibility
• Competitive interest rates
• Flexible repayment tenure
• Structured repayment options
• Balance Transfer facility (where applicable)
• Professional loan management
• Fast processing

Factors Considered by Lenders

Banks generally evaluate several factors before approving an LRD facility, including:

• Rental income stability
• Lease agreement terms
• Tenant profile and credibility
• Remaining lease tenure
• Property location
• Property valuation
• Applicant’s financial profile
• Credit history
• Existing obligations

Documents Generally Required

Identity & Address Proof

• Aadhaar Card
• PAN Card
• Passport / Driving Licence / Voter ID

Business & Financial Documents

• Income Tax Returns
• Financial Statements
• GST Documents (if applicable)
• Bank Statements
• Business Constitution Documents

Property Documents

• Registered Lease Agreement
• Sale Deed
• Title Documents
• Property Tax Receipts
• Approved Building Plan
• Occupancy Certificate (where applicable)
• Rental Income Proof
• Tenant Details
• Other documents required by the lender