# Bridging loan against commercial property to bolster company’s working capital

Case study · Singapore · Published 2021-07-30 · Updated 2026-06-09 · By Rikvin Capital

> Location: Singapore Market Value: USD 5,600,000 Loan Amount: USD 4,000,000

## Deal summary

| | |
| --- | --- |
| Asset Type | Commercial property |
| Locations | Singapore |
| Loan Amount | USD 4,000,000 |
| Loan-to-Value | 71% |
| Market Value | USD 5,600,000 |
| Duration of Loan | 12 months |
| Payment Schedule | Monthly |
| Completion Time | 5 days |

Rikvin Capital, a leading provider of bridging finance, recently extended a bridging loan against a commercial property to a company based in the United Kingdom. The loan was aimed at providing the company with the necessary working capital to support its business operations. The loan was secured against a prime commercial property located in a high-demand area, which was used as collateral. The quick turnaround time of the loan and its attractive terms enabled the company to obtain the funding it required to address its immediate financial needs. With Rikvin Capital’s expertise and experience in bridging finance, the company was able to receive the financing it needed without any hassle.

- **Location:** Singapore
- **Market Value:** USD 5,600,000
- **Loan Amount:** USD 4,000,000
- **Loan-to-Value:** 71%
- **Duration of Loan:** 12 months
- **Payment Schedule:** Monthly
- **Asset Type:** Commercial property
- **Completion Time:** 5 days

## Frequently asked questions

### Can I borrow working capital against my commercial property in Singapore?

Yes. Refinancing a commercial property to release working capital is one of our most common deals. We lend up to around 70% of valuation. The case here closed at 71% loan-to-value (USD 4 million against a USD 5.6 million property) inside 5 days, with funds going straight into the company's operating account.

### How fast can a working-capital loan be released?

For a clean Singapore commercial property with a known borrower, 5 to 10 working days is realistic, as in the case here. The timeline covers KYC, valuation, title search and legal work. For new clients we usually need an extra few days for AML verification.

### Can I use the funds for any business purpose?

Yes. Once the loan is drawn, the cash sits in your operating account and you deploy it as you see fit (working capital, supplier payments, payroll, expansion). We do not restrict the end-use beyond standard Anti-Money-Laundering requirements.

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