Lease rental discounting — turn future rent into capital today
Lease rental discounting (LRD) is a loan against the future rental income from a leased commercial property. Biz Corp Solutions helps owners of office buildings, retail spaces, shopping complexes, warehouses and industrial properties raise funds without selling the asset.
- Funding against
- Future rental income
- Property
- Leased commercial assets
- Ownership
- No need to sell
- Lenders
- Banks, NBFCs & FIs
What we offer
Convert your future rental income into immediate capital with our Lease Rental Discounting solutions.
This financing option is ideal for owners of leased commercial properties who wish to raise funds without selling their assets.
Suitable for
- Commercial Property Owners
- Office Buildings
- Retail Spaces
- Shopping Complexes
- Warehouses
- Industrial Properties
Benefits
- Funding against future rental income
- High loan eligibility
- No need to sell your property
- Flexible repayment structure
- Fast loan processing
From enquiry to disbursement
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01
Share your property details
Tell us about the leased property, the tenants and the rental income.
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02
Eligibility and options
We assess the lease terms and rental cash flows and compare options from suitable lenders.
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03
Application and documents
We prepare the file with lease, property and income documents and keep you updated at every stage.
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04
Sanction and disbursement
The lender sanctions the loan and repayments are typically linked to the rent received from tenants.
Documents you will typically need
LRD lenders look closely at the lease and the tenant as well as the property. These are the documents most applications need, and we help you assemble them.
- Identity and address proof of the owner(s)
- Registered lease or leave-and-licence agreements
- Proof of rent received, such as bank statements
- Tenant details
- Property title documents
- Income tax returns and financials
- Statements of any existing loans on the property
Note: the exact list, loan amount and tenure are decided by each lender and depend on the lease and tenant.
See the full document checklist: Lease rental discounting document checklist
Lease rental discounting questions
What is lease rental discounting?
Lease rental discounting is a loan given against the future rental income from a leased commercial property. The rent from tenants is typically used to repay the loan.
Who is LRD suitable for?
Owners of leased commercial property such as office buildings, retail spaces, shopping complexes, warehouses and industrial properties.
Do I need to sell the property?
No. LRD lets you raise funds against the rent the property earns while you keep the property.
How is the loan amount decided?
Lenders look at the rental income, the remaining lease period, the tenant's profile and the property's value. The final amount is decided by the lender.
What is the difference between LRD and a loan against property?
A loan against property is assessed mainly on your income and the property's value, while LRD is assessed mainly on the rental income from an existing lease.
Why apply through Biz Corp Solutions?
We compare options across multiple lenders, help structure the facility around your lease and handle the documentation.
Read before you apply
Loan against property vs lease rental discounting: which is right for you?
Loan against property and lease rental discounting both raise funds from property you own. How they differ, who each suits and what lenders look at.
Loan against property in Thane and Badlapur: which properties qualify?
Which properties in Thane and Badlapur qualify for a loan against property: title, OC, society NOC, 7/12, NA rules, MIDC/CIDCO leasehold, and costs.
Why loan applications get rejected — and how to fix the file
Why business and property loan applications get rejected — credit report errors, overdues, high EMIs, income gaps, property issues — and how to fix and reapply.
Run the numbers first
Lease rental discounting: how much can I borrow?
Net rent after TDS and owner's outgoings, escalation and residual lease, then the tests banks publish: % of rent, present value, EMI cover and LTV.
LAP vs LRD side-by-side comparison
Compare maximum loan eligibility, interest rate (1.00%–1.50% lower on LRD), monthly EMI and total interest cost on a leased commercial asset.
Maharashtra MODT, Notice of Intimation & CERSAI
0.3% mortgage stamp duty (Article 6), ₹1,000 Notice of Intimation filing fee (Section 89B), CERSAI registration and bank processing/legal charges.
Often arranged together
Own a leased commercial property?
Share your property details and our advisor will call you to check your eligibility and options.
Biz Corp Solutions arranges funding through partner banks, NBFCs and financial institutions. Sanction, interest rates and terms are decided by the lender. Last reviewed 5 October 2026.