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Commercial Real Estate Finance

CRE Finance — Built Around Your Asset

From lease rental discounting on existing income-generating assets to construction finance for builders — we structure CRE loans that match your asset, tenancy, and cash flow profile.

Talk to a CRE Specialist →

Products

What we offer

Lease Rental Discounting

Unlock the capital value of your leased commercial assets — offices, retail, warehouses. Loan against future rental receivables.

from 8.75%Enquire

Construction Finance

Project finance for residential and commercial builders. Construction-linked disbursements tied to completion milestones.

from 12%Enquire

Balance Transfer / Top-up

Move existing CRE loans to a better rate. Top up against appreciated property value without additional collateral.

from 9%Enquire

Structured CRE Finance

Bespoke structured solutions for large commercial assets — sale-leaseback, mezzanine financing, and project-specific structures.

customisedEnquire

Lease Rental Discounting

Turn your lease income into immediate capital

LRD allows you to borrow against future rental receivables from your commercial property. The bank discounts the rent for the loan tenure and provides a lump sum — while future rent payments service the EMI.

The eligible loan amount is a function of the net rent, FOIR, interest rate, and tenure. Our calculator below lets you model this instantly with your actual numbers.

Loan against future rent receivables — not just property value
Up to 85% of discounted rental income as EMI
Tenure up to 15 years or lease lock-in period
Lenders: HDFC, SBI, Axis, PNB Housing, and NBFCs
Tripartite agreement between borrower, lender, and tenant
Works best with Grade A tenants with 3+ year lock-in

Construction Finance

How banks fund real estate projects

Construction finance is disbursed in tranches linked to construction milestones — not in one shot. The bank appoints an independent engineer who certifies completion at each stage before releasing the next tranche.

The key variables are LTV on land, LTV on construction cost, pre-sales achieved, RERA compliance, and the promoter's track record. Our tool below helps you model your eligibility.

Land purchase + construction — single facility or separate
60–70% of project cost sanctioned in construction-linked tranches
Disbursements on CA certificate + site inspection
Interest During Construction (IDC) built into facility
RERA registration and approvals required before sanction
Pre-sales of 25–30% significantly improves approval chances
Repayment from project cash flows — flexible moratorium

Interactive Tools

Model your deal

Tool

LRD Loan Eligibility Calculator

Max eligible EMI = 90% of net rent after obligations. Enter your numbers below.

₹ 1,00,000

Gross monthly rental income from the leased property

₹ 0

Used first to offset existing obligations before touching rent

₹ 0

All existing EMIs and loan repayments per month

9%
10 yrs

How banks calculate LRD eligibility

Other income offsets obligations first. Any remaining obligations reduce your net rent. Max EMI = 90% of adjusted net rent. Loan amount is back-calculated from this EMI.

Maximum Eligible Loan Amount

₹71.05 L

Good Eligibility

Step-by-step calculation

Monthly Rent₹ 1,00,000
Other Income₹ 0
Obligations₹ 0
Other income offsets obligations →₹ 0 absorbed
Remaining obligations (if any)₹ 0
Adjusted Net Rent (Rent − remaining obligations)₹ 1,00,000
Max eligible EMI (90% of adjusted net rent)₹ 90,000
Loan amount @ 9% for 10 yrs₹71.05 L

Eligible Loan by Tenure

10 Year Tenure

₹71.05 L

EMI ₹90,000/mo

15 Year Tenure

₹88.73 L

EMI ₹90,000/mo

Same EMI — longer tenure unlocks a larger loan. Highlighted = your selected tenure.

Monthly EMI

₹ 90,000

Tenure

10 years

Interest Rate

9% p.a.

Total Payout

₹1.08 Cr

Want a lender match?

Our experts will identify the right lender for your property and negotiate the best LRD terms.

Talk to an Expert →

Our Role

Why work with SolveDet on CRE?

Lender Shortlisting

Not every bank does CRE the same way. We know which lender fits your asset class, location, and borrower profile.

Faster Sanction

CRE loans are documentation-heavy. Our experts help you prepare the right file — reducing back-and-forth by months.

Better Rate Negotiation

CRE rates are more negotiable than retail loans. Our lender relationships and deal volume get you better pricing.

Have a CRE deal to discuss?

Our team has structured CRE transactions across office, retail, warehousing, and residential projects. Tell us about your deal.

Talk to a CRE Specialist →
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