True all-in maths
We net every switching cost against the saving and the extra draw — no headline-rate illusions.
Already have an LRD? It may be leaving money on the table.
LRD Top-Up & Balance Transfer
If your rent has escalated or your lease has renewed, your LRD can probably release more. If your rate is above today’s market, a balance transfer can cut it. We re-assess your facility and run the market — for a bigger draw, a lower rate, or both. CA-led. ₹4,250 Cr+ mobilised since 2011.
Top-upBalance transferAll-in cost modelled
A track record since 2011, in numbers
₹4,250 Cr+
Capital mobilised across sectors₹550 Cr
Largest single facility structuredBanks & NBFCs
Run in competition for your fileSince 2011
CA-led, senior on every fileAn LRD set up years ago is often under-drawn and over-priced: rents have escalated, the lease may have renewed, and rates have moved — yet the facility hasn’t. A top-up releases the new headroom in your rentals; a balance transfer resets the rate. The two are often done together, on transfer.
Finnova Advisory is an advisory firm — we structure the file and negotiate terms; the lender sanctions and disburses.
When to act
Four triggers to review your LRD
If any of these is true, your existing facility is probably worth re-running — we’ll tell you straight whether it’s worth the switching cost.
TriggerMoveWhy
Rent escalated / lease renewed MoveTop-up WhyHigher rentals support a larger present value — release the headroom
Your rate is above marketMost common MoveBalance transfer WhyMove to a cheaper lender; save over the remaining tenor
Need fresh capital MoveTop-up or transfer + top-up WhyThe leased asset is often your cheapest source of funds
Stronger tenant / longer lock-in MoveTransfer + re-size WhyA better lease profile can re-underwrite to better terms
We net foreclosure, processing, legal, valuation and escrow re-set costs against the rate saving and extra draw — so you decide on the true all-in number, not the headline rate.
Why Finnova
A straight read on whether to move
Four reasons existing LRD borrowers run the review through us.
We run all lenders
Banks and NBFCs in competition for your transferred file — the way to actually move the rate.
Re-size on the new lease
A renewed lease, escalation or stronger tenant can re-underwrite to a bigger, longer facility.
We manage the switch
Foreclosure, fresh sanction, documentation and escrow re-set handled end to end by one desk.
Consultation
Get a free review of your existing LRD
Send us your current rate, outstanding and lease position — we’ll tell you whether a top-up or transfer is worth it, and by how much. No pitch, no obligation.
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FAQ
LRD top-up & balance transfer, answered
An LRD top-up is additional capital raised on an existing lease-rental-discounting facility, typically when the rent has escalated, the lease has been renewed or extended, or the property has appreciated. Because the contracted rentals now support a larger present value, the drawable amount rises — and you can release that headroom without a fresh facility.
A balance transfer moves your existing LRD from one lender to another — usually to cut the interest rate, extend the tenor, or release additional capital at the same time (a top-up on transfer). With LRD rates spanning a wide band across banks and NBFCs, a transfer can save materially over the remaining tenor.
Common triggers: your lease has been renewed or escalated and the rentals now support more; your current rate is above what the market offers today; you need fresh capital and the leased asset is your cheapest source; or your lease/tenant profile has strengthened (e.g., a stronger tenant signed). We model whether the saving or the extra draw justifies the switching cost before you move.
Expect foreclosure/prepayment charges on the existing facility (often nil or low on floating-rate loans), fresh processing and legal/valuation fees, and new escrow set-up. We net these against the rate saving and any top-up benefit so the decision is made on the true all-in number — not the headline rate alone.
We are an advisory firm, not a lender. We re-assess your lease and current facility, run the market for a better rate or a larger draw, and manage the transfer and escrow re-set — the lender sanctions and disburses.