Monetise Your Rental Income
Unlock Liquidity from Leased Property
If you own a property and receive rental income, you don’t have to wait — our Loan Against Rent (also called Loan Against Rental Receivables, LRD / LAC) allows you to convert future rental income into immediate funds. With Nihal Finserv, you keep the property and the rental income, while gaining access to capital for business expansion, investment or personal goals.
Why Choose Nihal Finserv for Your Personal Loan?
Who Is Eligible?
You may be eligible for Loan Against Rent at Nihal Finserv if you:
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Own commercial/industrial/specialised property that is leased out under a valid rental/lease agreement.
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Have a tenant with a credible profile whose rent is reliably paid/escrow arranged.
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Show clear title of the property, registered lease documents, and bank statements evidencing rent income.
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Are within the age and credit profile norms as per our criteria (varies by case).
(Actual eligibility and approval rests with Nihal Finserv’s discretion.)
Use rental income as collateral
The loan is secured by your lease/rental streams rather than just property value.
Larger amounts, longer tenure
Depending on your lease contract and tenant profile, you can access substantial funds with extended tenures.
Retain ownership and continue to earn rent
You don’t have to sell your property; you continue to receive rent while servicing the loan.
Streamlined process with expert support
Our team will guide through lease documentation, valuation, direct rental flow structures & disbursement.
How the Process Works
A Few Things to Consider
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Though the loan is based on rent incomes, it remains a real liability — missed payments can impact your credit or lead to enforcement.
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The strength of the rental agreement, the tenant’s credibility and remaining lease term significantly affect eligibility and terms.
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Ensure the property and lease are legally clean, rent payments are regular, and documentation is complete.
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Understand all costs: processing fee, valuation, legal/mortgage registration, escrow setup, pre-payment charges if any.
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Choose a tenure and EMI that your rental income and other incomes can support while protecting your cash flows.
Key Features at a Glance
Loan Amounts
Based on discounted value of future rental receipts plus property & lease profile. For example, many lenders offer ~70-80% of discounted rental value.
Repayment Tenure
Typically aligned with the lease term; tenures can range up to 10-15 years or more depending on the case.
Competitive Interest Rates
At Nihal Finserv Competitive Interest Rates , varies with profile, property, lease and tenor.
Property & Lease Types
Commercial, industrial or specialised properties with valid lease/rental agreements are eligible.
Use of Funds
Broad: business investment, expansion, working capital, personal goals, debt restructuring.
Ownership, Income Retention
You retain your asset and rental income; the loan is backed by the rent flow rather than requiring you to vacate or sell.