Lease Rental Discounting (LRD) is a loan against the rent you receive from a leased property. The lender advances a lump sum and the rent repays it over the lease term.

Key Advantages

Why Choose Profinical for Lease Rental Discounting?

Unlock Locked-Up Value

Get capital now against rent you'd otherwise collect slowly over years.

Rent Covers the EMI

Repayment is tied to the rental inflow, so cash flow stays steady.

Competitive Rates

Backed by property and a rental contract, so pricing is favorable.

Keep the Asset

You retain ownership of the property throughout the loan.

Eligibility

Who Can Apply for Lease Rental Discounting?

We look at operations, cash flow structures and overall viability rather than standard rigid ratios.

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Owners of commercial property leased to reliable tenants

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Landlords with long-term lease agreements in place

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Businesses wanting to reinvest rental value into growth

Resolution Path

Our Process for Lease Rental Discounting

Lease & Tenant Review

Rental Cash Flow Assessment

Loan Structuring

Disbursement

What You'll Need

Documents Required

Select your loan and applicant type to see the exact document checklist.

Income profile

Property registration

Your checklistLease Rental Discounting · Salaried · With RERA

Personal Documents

PAN Card
Aadhaar Card / Passport / Voter ID / Driving License (any one as identity proof)
Proof of address (utility bill, Aadhaar, passport, rent agreement, etc.)

Business Proof

Last 6 months' salary slips
Form 16 for the last 1 year
Last 3 years' Income Tax Returns with computation
Last 3 years' audited Profit & Loss A/c and Balance Sheet
Bank statements (last 1 year)
Loan sanction letters, if any
Loan account statement of the last 12 months, if any
Income tax ID and password

Property Documents

RERA registration certificate and the sale / allotment documents
Registered lease agreement(s) with the current tenant(s)
Twelve months' rent receipts and the tenant's rent-payment record

Carry self-attested copies; originals are needed only for verification. Sanction remains subject to legal and technical clearance of the property.

Profinical

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