Singapore Bridging Finance

Bridging Loan Calculator

Set the facility, rate, fees and term structure to see the net day-one advance, the monthly interest during the serviced phase, the redemption figure at exit and a month-by-month payment schedule. If you are new to bridging finance, read our complete guide to bridging loans for structures, rates and timelines.

Calculator

Model Your Bridging Facility

Indicative terms

Facility (gross)
S$3,000,000
Security value
S$8,000,000
Loan to value
37.5%
guide maximum 70%
Interest rate
0.40%
per month
Term
12 months
6 rolled up, then 6 serviced
Facility fee
2.00% (S$60,000)
deducted at drawdown
Exit fee
None
Legal and valuation (estimates)
S$20,000
deducted from advance
Net day-one advance
S$2,920,000
Monthly payment, serviced phase
S$12,291
for 6 of 12 months
Redemption at exit
S$3,072,724
Exit route
Sale of the security property

Indicative illustration only, not an offer of finance. Figures are rounded for display.

Total interestS$146,469
Total fees and costsS$80,000
Total cost of creditS$226,469
Annualised cost7.5% p.a.
Request indicative terms

Payment schedule

Month by month: interest accrues monthly on the outstanding balance. Rolled-up interest capitalises; serviced interest is paid as it falls due.

MonthPhaseOpening balanceInterestPayment dueClosing balance
0DrawdownS$2,920,000net advance releasedS$3,000,000
1RolledS$3,000,000S$12,000S$3,012,000
2RolledS$3,012,000S$12,048S$3,024,048
3RolledS$3,024,048S$12,096S$3,036,144
4RolledS$3,036,144S$12,145S$3,048,289
5RolledS$3,048,289S$12,193S$3,060,482
6RolledS$3,060,482S$12,242S$3,072,724
7ServicedS$3,072,724S$12,291S$12,291S$3,072,724
8ServicedS$3,072,724S$12,291S$12,291S$3,072,724
9ServicedS$3,072,724S$12,291S$12,291S$3,072,724
10ServicedS$3,072,724S$12,291S$12,291S$3,072,724
11ServicedS$3,072,724S$12,291S$12,291S$3,072,724
12ExitS$3,072,724S$12,291S$3,085,015includes redemption of balanceS$0

Indicative illustration only, not an offer of finance. Terms are subject to credit approval, valuation and legal due diligence.

Questions

Bridging Loan Calculator FAQs

How is bridging loan interest calculated?

Bridging loan interest is charged monthly on the outstanding balance, with rates from 0.4% per month. During a rolled-up phase each month's interest is added to the balance, so later months accrue interest on prior interest. During a serviced phase the balance stays level and interest is paid monthly. The calculator applies exactly this logic to every month of the term.

What is the difference between rolled-up and serviced interest?

Rolled-up interest capitalises: nothing is paid during the rolled-up months and the accumulated interest is repaid with the balance at exit. Serviced interest is paid monthly, so the balance stays level but the facility needs monthly cash flow. Many facilities combine the two, rolling up interest first and servicing the remaining months. The calculator accepts any split, including fully rolled up or fully serviced.

What fees does a bridging loan have?

The main cost items are the facility (arrangement) fee, typically around 2% of the gross facility and deducted from the advance at drawdown, an exit fee on some facilities, and third-party legal and valuation costs. The calculator itemises each of these and shows the total cost of credit alongside an indicative annualised cost, so you can see every component of the total.

How much can I borrow against my property?

As a guide, Rikvin Capital lends up to 70% of the security value. The facility amount also depends on the asset type, its liquidity, the intended exit route and the results of valuation and legal due diligence. The calculator flags any scenario above the guide maximum so you can adjust the figures.

Is this calculator an offer of finance?

No. The calculator is an indicative illustration for discussion in Singapore. It is not an offer of finance, a quotation or advice, and every facility remains subject to credit approval, valuation and legal due diligence. Once we understand your scenario, we can issue an indicative term sheet within 24 hours, with funds typically available in about two weeks.

Get an Indicative Term Sheet Within 24 Hours

Share your scenario and our specialists will respond with indicative terms for your bridging requirement.

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