A GCB Bridging Loan is a short-term financing option designed specifically for Good Class Bungalow purchases or refinances in Singapore. It helps you secure funds quickly—often within weeks—while awaiting a longer-term mortgage or property sale.

• Specialist Expertise: Our team is well-versed in the GCB market, which has unique regulations and valuation nuances.
• High Loan Amounts: We can fund deals from S$1 million up to S$100 million.
• Speed & Flexibility: Indicative offers within 24–48 hours, disbursement in 2–4 weeks when documentation is complete.
• Tailored Solutions: We assess each GCB application individually, providing customized terms and repayment options.

Our loans range from S$1 million to S$100 million, depending on factors such as the GCB’s market valuation, your chosen exit strategy, and overall credit profile.

We typically cap the LTV at 70% for GCBs in Singapore. If you need higher overall financing, you can pledge additional properties or collateral as security.

Generally, foreigners face restrictions when purchasing landed property in Singapore, including GCBs. However, if you have obtained the necessary approval or are purchasing under permissible circumstances, we’re open to discussing bridging finance. Our team will guide you on the required due diligence and local regulations.

Once we receive all property details, valuation reports, and exit plan information, we can often complete the process in as little as 2–4 weeks. We aim to provide an indicative offer within 24–48 hours whenever possible.

Yes, we do perform a credit assessment. However, our primary focus is on the value of the GCB, your equity, and a viable exit strategy. Minor credit issues may not necessarily disqualify you but could influence the terms offered.

For high-value or higher-LTV GCB loans, we may request a personal guarantee to mitigate risk. Offering multiple properties or showing a strong financial profile can also help in securing favorable terms.

We can still consider bridging finance if the property is undergoing light refurbishment. Let us know the scope of work and estimated completion date so we can structure the loan accordingly.

Yes. GCB Bridging Loans can be used to refinance a current facility or replace high-interest financing. This provides you breathing room while you arrange a more permanent solution or complete a sale.

Our bridging loans typically range from 3 to 24 months. However, we can discuss extensions or alternative arrangements if you have a credible exit that requires more flexibility.

Absolutely. Rikvin Capital offers an interest roll-up option, letting you pay the accrued interest at the end of the loan. This can improve cash flow, especially if you’re waiting on a sale or refinance.

Yes. Bridging loans generally have higher interest rates due to their short-term, fast-access nature. That said, they offer speed and flexibility that conventional mortgages often can’t match—crucial in a competitive GCB market.

Yes, we typically require a professional valuation from a licensed appraiser in Singapore. This confirms the GCB’s market value and helps us determine the loan amount and terms.

Common exits include:

• Property Sale: You sell the GCB or another property to repay the bridging loan.
• Refinancing: Transfer to a long-term mortgage once certain conditions are met.
• Other Asset Liquidation: Use funds from investments, business proceeds, or additional real estate sales.

While TDSR primarily governs mortgages, bridging finance in Singapore often has fewer TDSR constraints. However, we still consider your overall financial profile and ability to repay when underwriting.

Yes, if your GCB purchase or refurbishment is phased, we can discuss staged drawdowns. This approach can lower overall interest costs by releasing funds as needed rather than in a lump sum.

We understand timelines can shift, especially in the high-value property market. Extensions may be possible if there’s a valid reason and you maintain clear communication. Terms for any extension would be discussed case-by-case.

GCB transactions adhere to specific URA guidelines and often require additional checks. While bridging loans themselves can be unregulated or partially regulated depending on the borrower’s profile, we ensure compliance with Singapore property laws in every case.

Typical fees may include:

• Arrangement Fee: Often a percentage of the loan amount.
• Legal & Valuation Costs: Paid directly to law firms and appraisers.
• Exit Fees: Applicable in some cases.

All fees are transparent and discussed upfront during the application process.

Yes, if you own several properties or multiple GCBs, combining them as collateral can enhance your LTV capacity and potentially secure more favorable terms.

We recommend lining up marketing efforts for your GCB or other properties early. Having a solid marketing strategy or sales agreement in progress can strengthen your application and lower the risk of default.

While our terms range from 3 to 24 months, we don’t enforce a strict minimum if your exit (e.g., a near-certain sale) is scheduled sooner. Let us know your timeline, and we’ll tailor the loan accordingly.

Inherited GCBs can still qualify for bridging finance. We’ll need legal documents confirming ownership and any Probate/Grant of Letters of Administration if applicable. Our team will advise on the specifics.

Reach out to our team with:

• Property details (location, valuation reports, ownership documents)
• Loan amount & purpose
• Exit strategy (sale, refinance, etc.)

We’ll review your case, provide an indicative offer if it meets our criteria, and guide you through valuation, legal checks, and final documentation. If everything aligns, we aim to fund within 2–4 weeks, ensuring you don’t miss out on prime GCB opportunities.