A Loan Against Rental Receipts (LARR) is a type of secured loan that allows property owners to raise funds by pledging their future rental income from a commercial or residential property. Instead of selling or mortgaging the property entirely, the rental cash flow itself acts as security, enabling landlords to access quick liquidity without disrupting ownership.
This financing option is ideal for individuals or companies who earn consistent rent from reputed tenants. The loan can be used for business expansion, working-capital needs, property renovation, or debt consolidation. With flexible repayment structures and attractive interest rates, a Loan Against Rental Receipts is one of the most efficient ways to unlock your property’s earning potential.
Property owners who have a registered rental agreement and receive regular rent from commercial or residential tenants can apply.
Typically, lenders offer 60%-80% of the present value of future rental income, depending on tenant profile and lease term.
Yes, lenders may require tenant acknowledgment or rent assignment for security purposes, but ownership rights remain entirely with you.
