Tenant concentration
A single 3PL or e-commerce tenant is common — strong while they're in, but a real risk if they exit. We frame the lock-in, exit clauses and re-leasing demand to address it head-on.
Your warehouse pays rent. Put it to work.
Lease Rental Discounting for Warehouses
Raise long-tenor capital against the rent from a leased warehouse or logistics park — without selling the asset. We assess the lease and tenant the way a credit committee will, then run banks and NBFCs against each other for the biggest facility at the keenest rate. CA-led. ₹4,250 Cr+ mobilised since 2011.
3PL & e-com tenantsLong lease lock-insBanks & NBFCs
A track record since 2011, in numbers
₹4,250 Cr+
Capital mobilised across sectors₹550 Cr
Largest single facility structuredBanks & NBFCs
Matched to your tenant profileSince 2011
CA-led, senior on every fileWarehousing and logistics leases have a profile lenders like: long tenors, lock-in periods and built-in escalations, often with strong 3PL, e-commerce or FMCG tenants. That makes a leased warehouse a strong LRD candidate — but single-tenant assets carry concentration risk, so the tenant credit, lock-in and re-leasing prospects all shape the terms.
Finnova Advisory is an advisory firm — we structure the file and negotiate terms; the lender sanctions and disburses.
The facility at a glance
What a warehouse LRD typically looks like
Indicative parameters for a loan against a leased warehouse. The lease tenor, lock-in and tenant credit drive the LTV and rate.
Indicative rate~8.75–12% p.a.Banks lower; NBFCs higher
LTV~60–75%Of value, capped by rentals
TenorMatches leaseOften long with lock-in
Repaid viaEscrowed rentSelf-liquidating
Best tenant3PL / e-com / FMCGCredit quality drives terms
SecurityProperty mortgagePlus rent escrow
Indicative only — not an offer. Terms vary by lease, tenant credit, location and lender. We confirm the drawable figure after assessing the lease.
Why it's underwritten differently
Warehouse leases aren't office leases
Generic LRD pages treat every asset the same. A warehouse file lives or dies on three things lenders read closely.
Lease tenor & escalation
Long leases with periodic escalations support a larger, longer facility. We make sure the escalation clause is read into the drawable amount, not left on the table.
Location & grade
A Grade-A asset on an established logistics corridor re-leases easily; a remote shed does not. Location quality feeds directly into the LTV a lender will offer.
Why Finnova
Asset-class expertise, lender neutrality
Four reasons warehouse owners run the mandate through us.
We run all the lenders
Not a single product — we put the banks and NBFCs with warehousing appetite in competition for your file.
Tenant-credit framing
We present the 3PL/e-com tenant and lock-in the way a credit committee reads them, to support the maximum draw.
Escrow & structure
Lease covenants, escrow mechanics and escalation built to underwrite the largest facility at the keenest rate.
CA-led, end to end
Lease assessment, valuation, sanction negotiation, escrow and disbursement run by one senior desk.
Consultation
Tell us about the warehouse & the lease
One conversation tells you the indicative facility size, the right-fit lender and how fast it can move. No pitch — a straight read from people who run LRD mandates every week.
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FAQ
Warehouse LRD, answered
Yes. A warehouse or logistics park let to a creditworthy tenant on a registered, multi-year lease is a strong LRD candidate. The lender discounts the contracted rentals — routed through an escrow — and advances a term loan against them, with the property mortgaged as security. Warehousing leases often run long with built-in escalations, which can support a sizeable facility.
The lease economics differ. Warehouse and logistics tenants — 3PL operators, e-commerce and FMCG occupiers — sign longer leases with lock-in periods, but single-tenant assets carry concentration risk if that one tenant exits. Lenders weigh tenant credit, lock-in tenure, the escalation clause and the re-leasing prospects of the location. We position all of these to support the maximum drawable amount.
Indicatively ~8.75–12% p.a., with the tenor matched to the unexpired lease and the facility capped at roughly 60–75% of property value (and by the present value of the rentals). A long lock-in with a strong 3PL or e-commerce tenant and a clear escalation clause supports the keenest terms. Actual numbers depend on the lease, tenant and lender.
Significantly — because repayment rides the rental stream. A warehouse leased to a large 3PL, e-commerce or manufacturing tenant strengthens the case and improves rate and tenor; a weaker or short-tenure tenant narrows it. We help present the tenant and lease profile to support a stronger sanction.
We are an advisory firm, not a lender. We assess the lease and tenant, run a competitive process across the banks and NBFCs with appetite for warehousing assets, and negotiate rate, tenor, LTV and escrow — the lender sanctions and disburses.