Auction Bridging Loans

Auction Bridging Loans are specialized short-term loans intended to help property buyers complete purchases won at auction, where timelines are tight. In property auctions, the winning bidder typically must pay a 10% deposit immediately and settle the remaining balance within a few weeks. Our auction bridging finance is designed to provide the necessary funds quickly – from $1M and up – so you can meet the auction payment deadlines. With swift approvals (often pre-approved before the auction date), high leverage on the property's value, and flexible exit terms, our bridging loans ensure you don't miss out on auction opportunities due to financing constraints.

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Loan Size$1M – $100M
Term Length3–24 Months
Loan-to-Value (LTV)Up to 70%
SecurityFirst charge
Interest PaymentRoll-up or Monthly Servicing

Use Cases

Auction Purchases

Speed is crucial when buying at auction—our bridging loans help you meet strict deadlines.

Commercial & Mixed-Use Acquisitions

Secure prime commercial or mixed-use properties without losing out to competition.

Business Cash Flow

Use property equity to finance expansion or meet short-term obligations.

Short-Term Refinancing

Consolidate or refinance existing property finance until a long-term solution is arranged.

The Rikvin Difference

Why Choose Rikvin Capital?

Fast Turnaround

Our dedicated team can issue a term sheet within 24 hours, and deliver funds within just 2 weeks—minimizing delays and uncertainty.

Flexible Terms

We offer up to 70% LTV, with interest roll-up options to help manage cash flow.

Large-Scale Funding

Borrow up to 100 million to seize high-value opportunities that traditional lenders might not be able to support.

Approachable Experts

With extensive experience in bridging finance, our team works closely with you to understand your goals and structure a deal that fits.

How It Works

  1. 1

    Enquire

    Share the asset, the amount you need and your intended exit with our team, by enquiry form or WhatsApp.

  2. 2

    Term sheet within 24 hours

    Where the collateral, amount and exit are clear, you receive an indicative term sheet within 24 hours.

  3. 3

    Funds in about two weeks

    Valuation, legal review and completion typically take about two weeks on clean deals.

See the full lending process

Get Funding Approval Within 24 Hours

Get Started

Case Studies

Prime Residential Bridging Loan for Holland Road Property

Prime Residential Bridging Loan for Holland Road Property

Loan Amount
SGD 5.7M
Asset
Semi-detached house
LTV
70 %
Good Class Bungalow GCB Bridging Loan for Binjai Park Property

Good Class Bungalow GCB Bridging Loan for Binjai Park Property

Loan Amount
SGD 20M
Asset
Good Class Bungalow
LTV
66.9 %
Breaking the Sentosa Property Lending Freeze

Breaking the Sentosa Property Lending Freeze

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Weekend Rescue: How we Delivered $25 Million Bridge Funding for a Billionaire’s Acquisition

Weekend Rescue: How we Delivered $25 Million Bridge Funding for a Billionaire’s Acquisition

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Successful Bridge Loan Solutions for Prime Geylang Property

Successful Bridge Loan Solutions for Prime Geylang Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Sentosa Saga: Tailored Bridge Financing in Action

Sentosa Saga: Tailored Bridge Financing in Action

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Empowering Established Brands: Our Bridge Funding Success Story

Empowering Established Brands: Our Bridge Funding Success Story

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Unlocking $25 Million: Alternative Bridge Financing for Prime Property Owners

Unlocking $25 Million: Alternative Bridge Financing for Prime Property Owners

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital’s Bridge Loan Solution for Prime Commercial Property Purchase: A Client’s Success Story

Rikvin Capital’s Bridge Loan Solution for Prime Commercial Property Purchase: A Client’s Success Story

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed

FAQs

Compare the full product range on our bridging loans in Singapore page.

At a Singapore mortgagee or court auction, the winning bidder pays a 10% deposit on the fall of the hammer and must complete the balance 90% within 8 to 12 weeks (the exact window varies by auctioneer). Banks usually cannot move that fast. We can issue a term sheet within 24 hours and fund the balance, so you complete on time and do not lose the deposit.
Yes. Mortgagee sales (where the bank takes back and sells the property) often go below market value, which actually makes the loan safer on a real-valuation basis. We lend up to 70% of the lower of purchase price or valuation, often within 10 days. Many of our case studies are auction fire-sale purchases where private financing was the only realistic option.
Yes, and we recommend it. An indicative term sheet before auction day confirms your maximum bid with committed financing, removes the financing risk and lets you bid with confidence. We can issue a pre-approval based on your profile and the catalogue properties you are targeting. The pre-approval is valid for 30 to 60 days.
For pre-approved buyers we can release funds within 7 to 10 working days of the auction once the SPA is signed, valuation is in and legal completion is confirmed. For very tight deadlines (under 14 days from hammer to completion) we work with your conveyancer from day one to keep the timeline on track.
Yes. Rikvin Capital can review Singapore auction bridge loan scenarios for acquisitions, refinancing, equity release and time-sensitive completions, provided the asset, borrower profile and exit route are clear.
A useful first note includes the asset address, estimated value, requested loan amount, existing debt position, borrower background, intended use of funds, target timeline and proposed exit. This lets the team assess fit quickly before requesting deeper documents.
Where the asset, amount and exit are clear, indicative terms can usually be reviewed within 24 hours. Completion timing depends on a Singapore valuation, legal review, KYC and how quickly supporting information is provided.
Yes. Depending on the facility structure, interest may be serviced monthly or rolled up and paid at redemption. Rolled-up interest can be useful when cash flow is tied up until a sale, refinance or liquidity event completes.
Common exits include sale of the secured asset, refinance with a bank or private bank, incoming investment proceeds, business liquidity events or repayment from another confirmed funding source. The clearer the exit, the easier it is to structure terms.