Insights on Bridging Finance
Market commentary and explainers from the Rikvin Capital team across Singapore and the United Kingdom.
Global insights
Second Charge Residential Bridging: When the Maths Favour a Second Loan Over Breaking Your Mortgage
Breaking a fixed-rate mortgage triggers an early repayment charge that can exceed the total cost of a short-term bridge. Here is how to run the comparison, and when a second charge residential bridging loan is the cheaper instrument.
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Auction Finance for Non-Standard Lots: When the Property Itself Rules Out a Mortgage
Your auction lot clears in the room but fails at any bank on the asset itself, not the timeline. Private lenders underwrite non-standard lots on current value and exit clarity, making auction finance in London and Singapore viable where mainstream lending won't go.
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Development Exit Finance: How Lenders Underwrite a Finished Scheme When the Sales Clock Is Already Running
Your construction facility is expiring and the units are not yet sold. Here is how a private lender underwrites a finished scheme: what documents they need, how fast they move, and what separates a credible exit from a speculative one.
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Commercial Bridging Finance Calculator: What Inputs Actually Decide Your Loan Cost
Five inputs separate a commercial bridging finance calculator from a residential one: LTV basis, interest structure, fee stacking, retention and exit timing. Here is what each means for your deal cost.
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Commercial Bridging Finance Rates: How Asset Class, Void Risk and Exit Clarity Set Your Quote
Your commercial bridging quote came in higher than expected. Here is the lender's reasoning: asset class, void risk, WAULT and exit route complexity all move the rate before LTV is even discussed.
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Development Exit Finance Rates: What Moves the Price on a Completed Scheme
Your scheme is complete and units are selling, but construction debt is still expensive. Development exit rates are not a fixed tariff; they move on LTV, sales coverage, exit timeline, and charge position. A developer who understands those levers can negotiate a sharper price.
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Short-Term Asset Finance: The Cost of Waiting When a Deal Has a Deadline
Your deal has a deadline the bank cannot meet. In Singapore, an OTP gives weeks; in the UK, an auction gives 28 days. Here is when private short-term finance is the cheaper option.
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Property Loan True Cost: How Rate, Fees and Retention Combine Before a Single Penny Is Deployed
A private property loan has four pricing components, not one. Here is how monthly rate, arrangement fee, exit fee and interest retention interact, and why the effective cost on deployed capital regularly diverges from the headline figure.
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Commercial Bridging Finance: Funding a Property Before the Rent Roll Exists
Your commercial property is vacant or pre-let, and no income means no conventional mortgage, regardless of how strong the asset is. A bridge fills the gap, lending against current value while you secure the tenant that unlocks the exit.
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Pre-Approved Auction Finance: What a Private Lender Confirms Before the Hammer Falls
Most bidders arrange finance after winning the lot. Those who arrange it before hold a real edge: a verified ceiling, written confirmation the asset is lendable, and a lender already in motion before the completion clock starts.
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From Bridge to Mortgage: How Lenders Assess Your Refinance Exit Before They Fund
You plan to refinance into a mortgage once the bridge closes. Your bridging lender is already stress-testing that exit before they fund. Here is what gets assessed, and how Singapore and UK borrowers can de-risk the sequence at origination.
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Bridging Finance vs Business Loan: How Corporates Choose When the Deal Has a Hard Close
Your bank cannot meet the closing date. A bridge is underwritten against the asset and the exit, not your accounts, which is why it closes in weeks when a business loan takes months. Here is the framework for making that call.
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Land Acquisition Bridging: Funding a Plot Purchase When Mainstream Lenders Won't Move
Bare land produces no income, so mainstream lenders either decline or offer sub-50% LTV after months of processing. Here is how private lenders underwrite a land acquisition bridge, which exits work in Singapore and the UK, and when it is the wrong tool.
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What Is Development Exit Finance: Avoiding a Distressed Sale When Construction Debt Matures
Construction debt matures; units have not sold; a bank term mortgage is not yet available. Development exit finance refinances the facility at completion, buying the time to transact at full value rather than at distressed pricing.
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Bridging Finance vs Commercial Loans: Why the Asset's Income State Drives the Decision
If a bank has declined your commercial deal, the reason is almost certainly the property's income state, not your credit profile. This piece explains the bridging finance vs commercial loan decision and when each instrument is the right tool.
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Bridging Finance for Land: Why Planning Status Is Your Lender's First Question
Land has no income, no tenants, and no standard mortgage market as an exit. Planning status, consented or speculative, is the single factor that determines whether a private lender can fund your site at all.
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When a Bridge Loan Beats Using Your Own Cash: The Capital Efficiency Case
You have the liquidity. The deal is ready. And borrowing short-term might still be the sharper financial move. Here is when a bridge loan is a deliberate capital-efficiency choice, not a fallback, for investors running concurrent positions in Singapore or the UK.
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Rolled-up vs serviced interest: what each structure costs a bridging borrower
Rolled-up and serviced interest produce very different cashflow demands on the same bridging loan. This guide explains what each structure costs, when each fits the deal, and how lenders assess both.
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What replaces income in private lending: how an asset-backed deal gets underwritten
When income proof fails the bank's test, private lenders shift the underwriting question entirely: from salary serviceability to asset quality and exit credibility. Here is what that process actually looks at.
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What private credit can't solve: Singapore HNWIs and the case for bridging loans
Family offices with private credit relationships still reach for Singapore bridging loans when deal structure is the barrier. Short tenors, SPV ownership, and ticket-size mismatches create gaps that no credit fund can fill.
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How interest retention reduces your bridging loan proceeds
Interest retention deducts the full term's interest from gross loan proceeds at drawdown, so the net advance is materially less than the headline loan amount. Understanding this gap, and how to size the gross loan to meet a target net figure, is essential before signing any term sheet.
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Bridging loan exit strategies: how lenders assess yours before saying yes
Private lenders underwrite against the asset and the exit, not the borrower's income. Your exit strategy determines whether a deal proceeds, at what LTV, and on what terms. This covers the three main exit types, what makes each credible, and what documentation to prepare.
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Rolled-up vs serviced interest: what each structure costs a bridging borrower
Rolled-up and serviced interest produce the same total cost over an identical term but differ sharply on cash outflow, available loan size, and the balance due at exit. A plain-numbers comparison for bridging borrowers in Singapore and the UK.
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Bridging Finance: When to Use It Instead of a Bank Loan
A bridging loan fills the gap between needing capital now and a longer-term solution arriving later. Here is how it works, when it beats a bank loan, and when to think twice.
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How long a bridging loan really takes, from enquiry to drawdown
Your bridging loan can draw down in two to three weeks, or inside seven days if preparation is right. This is what every stage of the process actually takes, and where delays really come from.
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What a bridging loan actually costs, and what drives the price
Bridging loans are quoted monthly, and the headline rate is only one of four cost components. This guide explains what drives the price, what else to budget for, and when the total is worth bearing.
View detailsSingapore insights
View all Singapore insights →Bank vs Private Bridging Loans in Singapore: Which Do You Need?
When a bank bridging loan from DBS, UOB or OCBC is the right choice, when private bridging fits, and how rates from 0.4% per month, TDSR and LTV compare.
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Rikvin Capital for TDSR-Blocked Borrowers: How the Asset-First Loan Works
The bank said no because of TDSR. Rikvin Capital lends against the asset and the exit instead. Here is exactly how that decision works, and what to bring.
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Bridge Loan for Commercial Real Estate in Singapore: Why Foreign Investors Still Can't Rely on a Bank
Foreign buyers find Singapore commercial property has no ABSD, but banks still decline most acquisitions on income, vacancy, and SPV grounds. A private bridge underwrites on the asset and the exit, making it the only route that moves at deal speed.
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Bridge Loan for UK Commercial Real Estate: Exiting Development Finance Before the First Tenant Signs
Completed commercial scheme with no signed leases yet and development finance reaching its term. A bridge loan sized against the asset's value, not its income, clears the facility and buys the time to let at price rather than under pressure.
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Fast Bridging Loans in Prime Central London: Matching Cash Buyer Speed When the Vendor Won't Wait
Prime central London vendors choose cash for certainty of completion. A fast bridging loan matches that pace: term sheet in 24 hours, drawdown in 2–3 weeks.
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24-Hour Bridging Loan for UK SPVs and Trusts: What the Timeline Actually Looks Like
For a UK SPV or trust, a 24-hour bridging loan term sheet is achievable, provided your opening pack is complete. Here is what the lender needs, and where the timeline extends.
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