Retail Bridging Loans

Retail Bridging Loans provide short-term financing for commercial retail properties, enabling quick access to capital for shop units, storefronts, or even entire shopping spaces. Whether you're acquiring a new shop unit in a mall, investing in a retail space, or freeing up cash from a property your business owns, our bespoke bridging facilities (starting at $1M) can finance up to around 70% of the property's value. We deliver speedy approvals, flexible funding terms, and competitive rates, so you can capitalize on retail opportunities or manage transitions without missing a beat in your business.

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

Do you fund strata retail units in Singapore malls and shopping centres?

Yes. Strata retail units in suburban malls, mixed-use developments and stand-alone shop units are all eligible. We look at each unit on location, footfall, tenant quality (if leased) and recent transactions in the same scheme. Loan-to-value is usually 60 to 65% for strata retail, with terms of 6 to 24 months.

Can an F&B operator pledge the shop premises to raise expansion capital?

Yes. If you own the premises (whether F&B, salon, retail or services), you can pledge them as security for a property loan. Funds can be used for fit-out at a second location, equipment, working capital or a franchise acquisition. We look at the property value rather than the F&B P&L, which often unlocks more capital than a bank trade-finance line.

My private bank has called margin on my portfolio. Can a property loan help?

Yes. See our case study "Property financing helps retail investor cover margin call" for a real example. We can refinance or originate a loan against your retail or residential property within days, generating the cash to meet the margin call without forcing you to sell equities at a low.

How much can I borrow against a stand-alone shop versus a mall strata unit?

Stand-alone freehold shop units in established commercial areas usually borrow more (up to 65 to 70% loan-to-value) because they have more sales evidence. Mall strata units are typically 60 to 65%, since resale liquidity depends on the mall management, footfall and tenant mix. Tenure and remaining lease also affect the final terms.