# Loan provided for client with time-sensitive investment

Case study · Singapore · Published 2019-04-23 · Updated 2026-06-18 · By Rikvin Capital

> Location: Katong, Singapore Market Value: S$ 4,850,000 Loan Amount: S$ 1,500,000

## Deal summary

| | |
| --- | --- |
| Asset Type | Landed Property |
| Locations | Katong, Singapore |
| Loan Amount | S$ 1,500,000 |
| Loan-to-Value | 30% |
| Market Value | S$ 4,850,000 |
| Duration of Loan | 9 Months |
| Payment Schedule | 9 Months |
| Completion Time | 10 Days |

**Rikvin Capital provides a short term loan for time-sensitive investment**

An individual had a unique investment opportunity that required quick action, but they lacked the necessary liquidity. Despite having plenty of assets, their TDSR (total debt service ratio) prevented them from obtaining a loan from a traditional bank. The clock was ticking, and they needed a solution fast.

That’s when the individual reached out to Rikvin Capital. Rikvin Capital was able to provide the individual with a short-term loan to give them the liquidity they needed to make the time-sensitive investment.

Thankfully, the investment paid off, and the individual was able to repay the loan with the proceeds from the sale of a U.K. property. Rikvin Capital’s loan allowed the individual to take advantage of a valuable investment opportunity, which otherwise may have been missed due to a lack of liquidity.

## Problem

- An individual needed to make a time-sensitive investment
- The Individual had a plenty of assets but needed some liquidity
- Due to [TDSR](https://www.rikvincapital.com/insights/tdsr-guide-sg/), the individual could not get a loan from a bank

## Solution

- Client engaged Rikvin Capital to provide a short term loan
- Repaid loan with capital proceeds from sale of a U.K. property
- **Location:** Katong, Singapore
- **Market Value:** S$ 4,850,000
- **Loan Amount:** S$ 1,500,000
- **Loan-to-Value:** 30%
- **Duration of Loan:** 9 Months
- **Payment Schedule:** 9 Months
- **Asset Type:** Landed Property
- **Completion Time:** 10 Days

## Frequently asked questions

### I have a time-sensitive investment but TDSR rules block me at the bank. Can you help?

Yes. Our short-term lending sits outside the 55% Total Debt Servicing Ratio framework that banks must apply, so asset-rich borrowers who fail the income test can still borrow. The Katong case here lent $1.5 million against a $4.85 million landed home in 10 days, releasing the liquidity needed for an investment that the bank could not support.

### How much can I borrow against a Katong or East Coast landed home?

Landed homes in Katong, Joo Chiat, Marine Parade and the wider East Coast support up to around 70% loan-to-value. The Katong borrower in this case took only 30% ($1.5 million on a $4.85 million home) because they only needed liquidity for one investment, not the full borrowing capacity.

### Can I repay the loan from a UK or overseas property sale?

Yes. We accept overseas property sale proceeds, business sale proceeds, dividend or distribution events, and other clearly-identified future receipts as the exit. The Katong borrower repaid us from the sale of a UK property, with the loan term timed to match the expected sale completion.

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