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If you own commercial property leased to reputable corporate tenants, you are sitting on a goldmine of liquidity. Lease Rental Discounting (LRD) allows you to pledge your future rental receivables to get a lump sum loan today.
Vardhman Finance works with property owners and developers to structure LRD deals that maximize the loan amount based on the tenant's creditworthiness and lease terms. The loan is repaid directly from the rent deposited by the tenant into an escrow account.
The self-liquidating loan product.
The EMI is paid directly from the rent received. You don't need to dip into your other cash flows.
Loan amount is calculated based on net rental income, often allowing for much higher limits than traditional LAP.
Secure repayment structure via a tripartite agreement between Landlord, Tenant, and Lender.
Considered a safe asset class, LRD loans command some of the lowest interest rates in the market.
Must be a Reputed Corporate, MNC, Bank, or Govt entity.
Valid registered lease agreement with lock-in period preferred.
Minimum Net Monthly Rent should be ₹1 Lakh.
Clear freehold or leasehold title (if leasehold, NOC required).
Premium terms for premium assets.
Setting up the cash flow structure.
Submit lease deed and property documents.
Loan sanctioned based on discounted cash flow of rentals.
Open Escrow account and notify tenant to change rent deposit account.
Funds disbursed after mortgage creation.
Our expertise in real estate finance helps us value not just the property, but the quality of the lease. We offer top-up loans during the tenure as rental rates escalate.
Loan eligibility increases as your rent increases periodically.
Assistance in vetting lease agreements for bankability.
