Foreigner Bridging Loans

Our Foreigner Bridging Loans are designed to assist non-Singaporean investors in quickly securing property or raising short-term capital in Singapore's real estate market. Foreign buyers often face extra hurdles with local banks, so we offer an alternative: fast, asset-based financing from $1 million upwards (up to $100 million or more for prime assets) to bridge your funding needs. Whether you're an expat investor needing to act on a prime condo purchase or unlocking equity from a property as a foreign owner, our bridging facilities come with swift in-principle approvals, high leverage (up to ~70% LTV), and flexible terms – helping level the playing field for overseas clients in Singapore.

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.

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.

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.
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.
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.
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.
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

Case Studies

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

Loan Amount: SGD 20 million
Asset: Good Class Bungalow
LTV: 66.9 %

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

Loan Amount: Confidential
Asset: Asset-backed collateral
LTV: Not disclosed

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

Loan Amount: Confidential
Asset: Asset-backed collateral
LTV: Not disclosed

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

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

Loan Amount: Confidential
Asset: Asset-backed collateral
LTV: Not disclosed

I am a non-resident foreigner with no Singapore income. Can I still get a property loan here?

Yes. Singapore banks heavily restrict lending to non-residents and require local income proof. We do not. As an asset-backed private lender, we look at the property value and your exit plan rather than your local payslip. Our portfolio includes clients from Malaysia, India, the UAE and Europe who used us to buy or refinance Singapore real estate.

Can the 60% Foreigner ABSD be financed inside the loan?

Yes. We can include the 60% Additional Buyer’s Stamp Duty inside the loan for foreign buyers, lending against the full purchase cost including ABSD. Most foreign clients use this to secure the property quickly, then refinance with a private bank or repay from offshore funds once the money clears into Singapore.

I own the Singapore property through a BVI or Singapore SPV. Does that work?

Yes. Corporate, trust and SPV ownership is normal for our foreign clients. We lend to BVI, Cayman, Singapore Pte Ltd and family-trust borrowers, taking first charge over the Singapore property and personal or corporate guarantees as appropriate. Our legal team works alongside your tax and trust advisors to keep the structure clean.

What documents do you need from an overseas borrower?

For an indicative term sheet, we only need a property fact sheet, basic KYC (passport, company registration, beneficial-owner ID) and a one-line note on the use of funds and exit. Full underwriting later requires a Singapore valuation, title search and supporting financial documents. We send a tailored checklist once the term sheet is signed.