Shophouse Bridging Loans

Shophouse Bridging Loans provide fast, flexible funding for investors or business owners acquiring or refinancing Singapore shophouses. These iconic properties often require quick action, and our bespoke bridge financing ($1M and up) helps you seize opportunities in the shophouse market. Whether you're purchasing a conservation shophouse for investment or unlocking capital from a shophouse you already own, we offer swift approvals, high leverage (up to ~70% of property value), and short-term funding with clear terms to support your goals.

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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

Will you fund a URA-gazetted conservation shophouse in Chinatown or Tanjong Pagar?

Yes. Conservation shophouses are a core part of our shophouse book. We have funded freehold and 999-year conservation shophouses in Chinatown, Tanjong Pagar, Kampong Glam, Joo Chiat and Geylang up to around 70% loan-to-value. We understand URA conservation guidelines and the longer bank timelines that make short-term private lending the natural fit.

Can I refinance my fully-paid commercial shophouse to release working capital?

Yes. Releasing equity from a commercial shophouse is one of our most common deals. We refinance up to 70% of valuation to free up capital for your business, an acquisition or another property purchase, with terms of 6 to 24 months. As an asset-based lender we do not require the cash to be put back into the same shophouse.

I have found a shophouse to buy but my existing property has not yet sold. Can you help?

Yes. This is a classic shophouse bridge case. We fund the purchase (full price or just the shortfall over your cash) using either the new shophouse, your existing property or both as security. The term matches your expected sale timeline, and the loan is repaid from the sale proceeds with no early-repayment penalties.

How much can I borrow on a freehold versus a 999-year shophouse?

Freehold and 999-year leasehold shophouses are treated about the same for borrowing purposes, usually up to 70% of valuation. Shorter remaining lease (60 years or less) gets a lower amount and a shorter term, because the remaining lease affects both the valuation and your bank-refinance options.