Where CapitalMeets Opportunity
Short-Term Asset-Backed Loans in the United Kingdom
24hIndicative terms
75%Maximum LTV
£1M+Facility size
Case Studies
A Race Against Time: Refinancing a Prime London Property in UK
- Loan Amount
- £ 14,750,000
- Asset
- Luxury Residential Building
- LTV
- 64%
Developer Uses Temporary Bridge to Acquire Prime Commercial Site in London
- Loan Amount
- £ 3,311,105.00
- Asset
- Commercial Property
- LTV
- 55%
Beneficiary of a Trust Requires a Short-Term Loan in the UK
- Loan Amount
- £ 5,039,873.00
- Asset
- Residential Property
- LTV
- 52%
Property Investor Uses Existing Property Portfolio to Finance New Purchase
- Loan Amount
- £ 1,500,000.00
- Asset
- Residential and Commercial Properties
- LTV
- 41%
HNWI Needs Short-term Liquidity for Working Capital
- Loan Amount
- £ 270,000.00
- Asset
- Commercial Property
- LTV
- 49%
Property Developer Snaps Up High Potential Development Site With a Quick Bridge Loan
- Loan Amount
- £ 11,162,000.00
- Asset
- Commercial Property
- LTV
- 41%
HNWI from UAE Purchases Large Commercial Building at Discount
- Loan Amount
- £7,336,343.00
- Asset
- Commercial Property
- LTV
- 18%
Shipping tycoon purchases prime central london real estate
- Loan Amount
- £8,400,000.00
- Asset
- Residential Property
- LTV
- 67%
Hotel developer uses a bridge loan to purchase hotel in Edinburgh
- Loan Amount
- £2,598,750.00
- Asset
- Commercial Property
- LTV
- 50%
Financing forEvery Asset Class
Intermediaries
For professional partners with time-sensitive clients
We work with brokers, lawyers, accountants and real estate professionals who need a direct private lender for asset-backed facilities in the United Kingdom.
Partner With Us24hIndicative terms
DirectLender access
Insights
United Kingdom
Bridge Lending for UK Property in Offshore SPVs: What Private Lenders Need
An offshore SPV holding UK property can access bridging finance; the structure adds documentation, not a veto. This covers what a private lender needs to see, why banks stall on complex s...
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Unlocking Opportunities with Commercial Bridging Loans in the UK
Vacant or between-tenants: why London commercial buyers use bridging
Your bank won't mortgage a vacant commercial unit in London, regardless of its value: the interest coverage test fails with no passing rent. A commercial bridging loan underwrites on the asset and your exit, with a decision in 24 hours and drawdown typically inside three weeks.
How SPVs, trusts and offshore companies should choose a UK bridging lender
Most UK bridging lenders say they handle BVI companies, Jersey trusts and Cayman SPVs. The questions that reveal whether a lender can actually close (not just quote) concern offshore KYC depth, legal infrastructure for offshore security, and how source-of-funds evidence from non-UK jurisdictions is accepted.
Why UK banks turn down foreign nationals seeking short-term property finance
UK banks score short-term borrowers against domestic credit files, UK income and residency status. For foreign nationals holding UK property, that combination is almost impossible to produce. A private lender focuses on the asset and the exit instead.
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FAQ
What are the primary uses for Rikvin Capital’s UK bridging finance?
Our UK bridging loans are strategically designed for high-stakes scenarios: securing luxury property at auction (where 28-day completion is mandatory), rescuing broken property chains, or acquiring "unmortgageable" assets that require immediate liquidity before traditional refinancing can be arranged.
As a direct lender, how does Rikvin Capital differ from high-street banks?
We operate as a direct private lender using proprietary capital. Unlike banks that are bound by rigid credit scoring, we focus on the intrinsic value of the asset. This allows us to fund complex, high-value deals such as boutique hotels or luxury estates that traditional lenders often deem too "non-standard."
How do you facilitate UK property acquisitions for non-residents and offshore entities?
We specialize in non-resident bridging loans for HNWIs and foreign corporations. We are experts at navigating complex offshore structures and SPVs, providing seamless entry into the London and wider UK markets for international investors who need to move at the speed of a local buyer.
What is the maximum LTV for high-end UK assets?
We typically provide a Loan-to-Value (LTV) of up to 70–75% on prime residential and commercial assets. For asset-rich clients, this leverage allows for the preservation of liquidity, enabling you to diversify capital across multiple high-yield projects simultaneously.
Why choose a bridge loan over a traditional mortgage for EPC-restricted properties?
With tightening UK regulations, properties with low EPC (Energy Performance Certificate) ratings are often unmortgageable. We provide the "bridge to let" or "bridge to sell," offering the capital needed to upgrade assets to meet legal standards before transitioning to long-term financing.
Which asset classes do you lend against in the UK?
Our portfolio is focused on high-value sectors, including luxury residential homes, hotels, HMOs (Houses in Multiple Occupation), Multi-Unit Freehold Blocks (MUFBs), and prime retail units. We excel in funding assets where the value is clear, even if the current cash flow is temporarily "trapped."
Can I roll up interest to preserve my monthly cash flow?
Yes. To assist our asset-rich, cash-strapped clients, we offer rolled-up interest structures. This means zero monthly servicing obligations; the interest is capitalized and settled at the end of the term, ensuring your working capital remains available for development or operations.
How does a Development Exit loan benefit hotel and commercial developers?
If your luxury development or hotel refurb is complete but you need more time to market the units or stabilize occupancy, our Development Exit finance replaces expensive construction debt with a lower-cost bridge, protecting your profit margins during the sales period.
How fast can you fund a UK property auction purchase?
Speed is our hallmark. We can issue a Decision in Principle (DIP) within hours of your inquiry. For auction purchases, we work on an accelerated timeline to ensure funds are deployed well within the strict 28-day completion window.
How do you handle the legal complexities of high-value UK lending?
We partner with Tier-1 specialized UK property solicitors experienced in high-net-worth transactions. By streamlining the "Report on Title" process, we eliminate legal bottlenecks, ensuring a rapid drawdown of funds even for complex commercial or mixed-use titles.