GCB Bridging Loans

Good Class Bungalow (GCB) Bridging Loans are tailored for ultra-high-value property transactions, enabling swift and flexible funding to secure Singapore's most prestigious landed homes. Whether you're seizing a rare opportunity to acquire a GCB or leveraging the equity of an existing luxury property, our bespoke bridge financing (from $1 million up to $100 million) empowers you to act quickly. We offer in-principle approvals as fast as 24 hours, funding up to ~70-80% of the property value, and interest-only payment options – all with transparent terms that cater to the unique needs of high-net-worth clients.

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

Which Good Class Bungalow areas does Rikvin Capital fund?

We fund GCBs across all 39 designated GCB Areas, including Nassim, Binjai Park, Cluny Hill, Holland Rise, Caldecott, Bishopsgate and Sentosa Cove. Recent funded deals include a $20 million GCB at Binjai Park and prime Holland Road residential. See the Portfolio for live examples.

What interest rate should I expect on a GCB short-term loan?

GCB rates typically start from around 0.6% per month (about 7.2% per year) and vary with loan-to-value, term length and the strength of the exit. For ultra-prime collateral with a clear bank-refinance exit, the rate can be lower. Higher-risk situations or shorter terms cost more. Interest can be paid monthly or rolled up to maturity.

Only Singapore Citizens can own GCBs. Does that affect my eligibility?

GCB ownership is restricted to Singapore Citizens, with rare ministerial approvals for foreigners. On the lending side we can fund the Singapore-Citizen owner directly, or a SPV or family trust where the beneficial owner qualifies. We work alongside private bankers and family-office advisors to keep the structure compliant.

What is the maximum loan size on an ultra-prime landed home?

Single-deal loans go up to $100 million on prime GCB collateral, with up to 70 to 80% loan-to-value depending on tenure, location and exit. We have structured larger loans on a syndicated basis for exceptional assets. If your deal sits above this range, contact us to discuss the right structure.