Lease Rental Discounting (LRD) lets owners of leased commercial or industrial property raise a loan against future rental receivables, using the lease agreement itself — and the tenant's payment track record — as the basis for eligibility. This also extends to warehouses and logistics/storage facilities leased out on a long-term basis to corporates, e-commerce, or third-party logistics operators.
✅ Why Choose This Option
- Funds raised against future rental income
- Suited for owners of leased commercial/industrial property
- Rates and eligibility linked to tenant credentials and remaining lease tenure
- Repayment tenure structured around the lease period
Who Can Apply
- Owners of commercial, industrial, or warehouse/logistics property let out on a registered lease/rent agreement to a creditworthy tenant (corporate, bank, PSU, e-commerce, or 3PL operator)
- Eligibility and loan amount depend on lease tenure, tenant profile, and the rental escrow arrangement offered
Documentation Required
- KYC for Individuals: PAN Card, Aadhaar Card, passport-size photographs
- Firm KYC:
- Proprietorship: GST registration, Udyam
- Partnership: GST registration, Udyam, Partnership Deed, Form C (if applicable)
- Company: GST registration, Udyam, COI, MOA, AOA, List of Directors and Shareholders
- Trust: Trust Deed, Trust Registration, List of Trustees
- Lease Deed along with last 12 months Rental Credit PDF Banking
- Income proof (self-employed): last 3 years' ITR with computation, Balance Sheet & P&L, Audit Report
- GST returns for last 12 months, PDF bank statements (12 months)
- Property documents: Title deeds, approved building plan, latest property tax receipt, jamabandi or any other relevant property document
- Loan Sheet and Sanction Letter/Schedule/SOA of all running loans
This list is indicative. Additional documents may be requested based on your profile. Your relationship manager will share the final checklist.
EMI Calculator for Lease Rental Discounting
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⚠️ Important Regulatory Notice
Fynmate acts as a loan facilitator and does not itself sanction, underwrite or disburse loans. We are not a bank or an NBFC. Loan approval, sanctioned amount, interest rate and terms are entirely at the sole discretion of the lending bank/NBFC, based on their independent credit appraisal of your application.
As per RBI's Key Fact Statement (KFS) requirement, lenders are required to provide a standardised summary disclosing the Annual Percentage Rate (APR) and all applicable charges for retail and MSME loans. Please review the KFS carefully before accepting any loan offer.