Condominium Bridging Loans

Our Condominium Bridging Loans are designed to provide quick, flexible funding for buyers and investors looking to complete their private apartment purchase or refinance a condo asset. Whether you're upgrading to a new condominium or unlocking liquidity from your current unit, we offer bespoke facilities from $1 million to $100 million, with swift approvals, competitive rates, and transparent terms.

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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

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

The Application Process

  1. 01

    Initial Consultation

    Send us a one-page summary of the property, the loan size you need and your exit plan. We respond within hours with whether the deal fits and an indicative price range. No fees, no commitment at this stage.

  2. 02

    Term Sheet

    Within 24 hours of the initial conversation, we issue an indicative term sheet covering loan amount, rate, term, security and key conditions. You have everything you need to compare against other lenders or to commit on the property.

  3. 03

    Due Diligence

    Once the term sheet is signed, we run KYC, source-of-funds checks and instruct an independent valuation. Most clean deals complete this stage in 5 to 10 working days, and steps run in parallel rather than one after the other.

  4. 04

    Legal Review

    Our specialist solicitors prepare the loan documentation and run title search, taking first charge over the property. We coordinate directly with your conveyancer and any existing lender to keep the timeline tight and avoid double-interest periods.

  5. 05

    Funding Disbursed

    On completion day, funds are wired straight to you or to the seller as instructed. For straightforward Singapore or UK property, the full process from first enquiry to drawdown typically takes 2 to 3 weeks; urgent deals have closed in under 7 days.

Get Funding Approval Within 24 Hours

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Case Studies

Prime Residential Bridging Loan for Holland Road Property

Prime Residential Bridging Loan for Holland Road Property

Loan Amount
SGD 5.70 million
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 20 million
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

I am upgrading my condo and need to pay ABSD upfront. Can a bridge loan help?

Yes. Singapore Citizens upgrading from one private property to another must pay 20% Additional Buyer's Stamp Duty upfront, and can claim remission once the old unit sells within six months. Our short-term loan covers the ABSD payment and the new condo down-payment so you do not need to sell other assets while you wait for remission.

Can Rikvin Capital fund a condo decoupling transaction?

Yes. Decoupling, where one spouse buys out the other to free up a name for a new purchase, is one of our most-funded condo use cases. We lend the buyer-spouse the value of the share, secured against the same unit. Loan terms are usually 6 to 24 months, with the exit being a long-term bank mortgage once the new property settles.

My bank rejected my condo loan because of TDSR. Can I still borrow from Rikvin Capital?

Yes. Banks must apply the 55% Total Debt Servicing Ratio rule, which often catches asset-rich, low-declared-income borrowers. As a private direct lender we look at the apartment value and your exit plan (sale, refinance or maturing investment), not your monthly income, so a TDSR rejection does not block you here.

How much can I borrow against a Singapore private apartment?

We typically lend up to 70% of valuation on private condominiums in established districts, with loan sizes from $1 million to $100 million. Higher amounts are sometimes possible for ultra-prime units; newer launches still under construction usually attract a lower amount. We size each loan to the property, the term and a clear exit.