Lease Rental Discounting
Borrow against your rental income — keep the asset.
- Interest rateFrom 7.50%* p.a.
- Loan amountUp to 90% of rentals
- SecurityLeased property + rent
About this product
Why clients choose Viva Capital for LRD.
Lease Rental Discounting (LRD) lets you raise a loan against the future rental income from a leased property — typically commercial. You unlock a large lump sum today while the tenant's rent services the loan, and you keep ownership of the asset.
What we offer
Key features
- Loan against future rental cashflow — up to 90% of rentals
- Long tenure aligned to the lease term
- Lower rates than unsecured business funding
- End-use unrestricted — expansion, acquisition, or liquidity
Who can apply
Basic eligibility
- Owner of a leased residential or commercial property
- Registered lease agreement with a credible tenant
- Adequate residual lease tenure
Keep ready
Documents required
- Registered lease / rent agreement
- Property title chain + sale deed
- Last 12 months rent credit statements
- KYC + ITR of the owner
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
