What is a Lease Rental Discounting and how is it used?

A Lease Rental Discounting is a specialized financial facility designed to provide capital for business expansion, working capital, or asset purchase. For example, a Kolkata-based diagnostic center recently used a ₹50 Lakh unsecured facility to purchase new medical equipment, securing the funds in just 4 days at 11.5% interest.

What are the eligibility criteria and documents required for a Lease Rental Discounting?

Eligibility requires a minimum CIBIL of 650, 2+ years of business vintage, and a minimum turnover of ₹40 Lakhs. Documents include 12 months bank statements, 2 years ITR, KYC, and business registration.

What are the interest rates and tenure for a Lease Rental Discounting?

Interest rates for a Lease Rental Discounting range from 10.5% to 18% annually depending on your CIBIL profile and whether collateral is provided. Tenure ranges from 12 to 180 months.

How does the application process work for a Lease Rental Discounting?

The process is fully assisted. Your dedicated CreditCares advisor evaluates your profile, prepares a bank-ready file, and routes it to the specific lender most likely to approve it. Disbursal typically happens in 3 to 7 days.

Are there upfront fees for a Lease Rental Discounting through CreditCares?

No. CreditCares operates on a success-fee model or is remunerated directly by the partner banks. You pay absolutely zero upfront advisory fees to have your profile evaluated and processed.

Home / Secured Loans / Lease Rental Discounting

Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026

Convert future rentals into capital today.

LRD raises a lump sum against the contracted lease rentals of your tenanted commercial property — repaid directly from the rent through an escrow account.

Up to 85%

Of discounted rentals

≤ Lease term

Loan tenure

Escrow

Rent routed to repayment

Overview

Your tenant's covenant is your credit

🎥 Official CreditCares Video: Lease Rental Discounting (LRD) High-Ticket Guide Watch on YouTube ➔

Lenders discount the future rent receivable from quality tenants and advance it upfront. The stronger the tenant and the longer the registered lease, the better the amount and pricing.

Rentals flow into an escrow that services the EMI; any surplus comes to you. LRD pricing is typically sharper than plain LAP because repayment is contractually visible.

At a glance

BasisRegistered lease with credible tenants

AmountUp to 85% of NPV of rentals

TenureCo-terminus with lease (max ~15 yrs)

MechanismEscrow of rent receivables

Who is eligible?

Owner of leased commercial property with registered lease deed
Reputed tenants — corporates, banks, retail chains
Reasonable residual lease tenure with lock-in
Clear, marketable property title
Rentals banked through traceable channels

Documents you'll need

Registered lease deed(s) and rent schedule
Property title chain & sanctioned plan
12 months' rent credit bank statements
Owner KYC & entity financials
Property tax receipts

Own tenanted commercial property? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.

Check your eligibility

Lease Rental Discounting FAQs

Frequently Asked Questions

Everything you need to know about securing a Lease Rental Discounting with CreditCares.

A Lease Rental Discounting is a specialized financial facility designed to provide immediate capital for business expansion, working capital, or asset purchase.

Real Case Study: A Kolkata-based clinic recently used a ₹50 Lakh Lease Rental Discounting through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.

Check your Lease Rental Discounting eligibility now →

To qualify for a Lease Rental Discounting, lenders look for absolute stability. You need:

CIBIL Score: 650 or higher (Strict requirement for unsecured).
Vintage: Minimum 2–3 years in the current business.
Turnover: Minimum ₹40 Lakhs annual turnover.

Documents needed: 12 months bank statements, 2 years ITR with computation, GST returns, KYC, and Business Registration.

Upload your documents securely here →

Interest rates are strictly tied to your CIBIL score and financial health. We negotiate directly with 80+ lenders to secure the lowest bracket.

Facility Type	Interest Rate (p.a.)	Tenure
Unsecured Lease Rental Discounting	14.5% – 18.0%	12 – 48 Months
Secured (with Property)	9.5% – 12.0%	Up to 15 Years

Get a personalized rate quote →

We do the heavy lifting so you can focus on your business.

Evaluation: A named advisory desk expert analyzes your bank statements.
File Preparation: We structure your application to highlight your strengths.
Sanction: We submit to the right lender. Approval takes 24–48 hours.
Disbursal: Funds are credited to your account within 3–7 days.

Start your application today →

Zero upfront fees. We are compensated directly by our 80+ partner banks and NBFCs upon successful disbursal, or we charge a transparent success fee only after the loan is sanctioned.

We are legally bound to act in your best interest to secure the maximum amount at the lowest possible rate.

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Tell us what you need. We'll do the running around.

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