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Lease Rental Discounting (LRD)

(Loan Against Future Rent Receivables /Loan Against Rental Income)

Lease rental discounting offers immediate liquidity, against commercial property, to lessors / property owners who have leased out their properties.

The product is aimed at providing Term Loan to owners of commercial or residential properties who have let them out to reputed companies - Commercial, Industrial, Software, Multinational Companies, Banks, Financial Institutions, Insurance Companies etc. on lease basis thus having fixed rent receivables.

These receivables can be clubbed and discounted at attractive rates. The property owners can then utilize these funds for any purpose including meeting business and personal needs for generating further assets, which can yield higher returns for themselves. Further, the funds could also be deployed for expansion of their business activities. This will give a source to accelerate the rotation of their funds.

Information evaluated in the product offering includes: Lessee details, Lessor details, Property profile including criticality of the premises for the lessee's operations, Deal structure and Cash flow pattern envisaged in the agreement(s).

The actual discounted amount will be determined after taking into account factors like rent receivables during the unexpired period of tenancy, tax deducted at source and other.

Documents Required

Lessor/Licensor and Lessee/Licensee Profile
Address proof of Lessor/Licensor : Copy of Telephone Bill/ Electricity Bill, Driving License/ Passport.
Identity proof of Directors : Copy of Driving license, Passport and PAN card.
Latest income tax return of last 3 years with balance sheet P&L and audit report of Licensor.
Leave License / Lease Agreement Copy.
Details of existing loans along with copy of sanction letters.
Bank statement of last 6 months.
Proof of ownership of Leased property : Title Deed, Municipal Tax/Municipal Charge Bill / Receipt, Property Tax Paid Bill.