Case Study · Singapore

Bridging Dreams: How Rikvin Capital Enabled the Purchase of a Renowned Indian School

16 August 2023

Bridging Dreams: How Rikvin Capital Enabled the Purchase of a Renowned Indian School

In Singapore’s vibrant financial scene, private equity investment is flourishing. A known client with a successful track record in borrowing and repayment sought a pioneering opportunity: purchasing a branded reputable school in India. The required investment was 8 million.

Rikvin Capital’s Innovative Response

Facing a lack of immediate funding, the client turned to Rikvin Capital. Traditional banks were not an option, as lending criteria have been tightened. In a world of high-interest rates where raising money is becoming increasingly challenging, Rikvin Capital, aware of the client’s proven record of successful repayments, funded 3 million with a short-term loan, backed by a personal guarantee.

Calculated Risk

This decision was meticulously calculated. Rikvin Capital assessed the underlying assets, client’s net worth, and exit plan. The loan was a measured risk, taken with a full understanding of the investment and confidence in the client’s history. In an environment where every investment must be scrutinized with a fine comb, Rikvin Capital made sure that both the investment and interest rates would cover the return adequately.

The Unconventional Path to Success

The success of this venture transcends financial triumph; it symbolizes the courage to innovate. It’s about agility, foresight, and the willingness to back ambitious goals, especially when guided by a proven track record and careful analysis.

Conclusion: A Lesson in Innovation, Trust, and Prudence

Rikvin Capital’s approach demonstrates the importance of innovative thinking, trust, and financial prudence in modern finance. This client’s success story, supported by a history of successful repayments and a careful examination of investment viability, is a reminder that unconventional paths, backed by belief and strategic insight, can lead to extraordinary achievements. It’s a call to action for financial professionals to embrace change, assess opportunities with precision, and recognize that the right client relationship, along with a well-calculated investment strategy, can open gateways to success.

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FAQ

Can I use a Rikvin Capital loan to fund a business acquisition outside Singapore?

Yes. We have funded clients buying businesses in India, the wider Asia-Pacific region, the UK and beyond. The Indian school deal here is one example: we lent $3 million against a personal guarantee to support an $8 million school acquisition. We focus on the underlying assets, your net worth and a clear repayment plan.

Do you lend on a personal guarantee where there is no property collateral?

Selectively, yes. For known clients with a strong track record of borrowing and repayment, we can structure a loan against a personal guarantee, especially where the use of funds is supported by clear underlying assets. New clients are usually asked to pledge property or another tangible asset as security.

How quickly can business-acquisition funding be put in place?

Typically 1 to 3 weeks once we have the deal summary, target asset details and your KYC. For repeat clients with a proven repayment record, we can move faster. For new clients we usually need a full underwriting cycle, including independent verification of the target acquisition.