# Indian company leverages residential apartment for quick working capital

Case study · United Kingdom · Published 2022-06-30 · Updated 2026-06-09 · By Rikvin Capital

> Location: Mayfair, London Market Value: £9,500,000.00 Loan Amount: £1,750,000.00

## Deal summary

| | |
| --- | --- |
| Asset Type | Residential Apartment |
| Locations | Mayfair, London |
| Loan Amount | £1,750,000.00 |
| Loan-to-Value | 18.42% |
| Market Value | £9,500,000.00 |
| Duration of Loan | 6 Months |
| Payment Schedule | Monthly |
| Completion Time | 2 weeks |

A well-known Indian company found itself in need of quick working capital to support its growing business operations. After exploring various financing options, the company’s promoters decided to leverage a prime residential apartment they owned. They approached a Rikvin capital and secured a loan against the property, which provided the much-needed funds to meet their immediate needs. With the help of this loan, the company was able to invest in new projects, expand their operations, and secure its position in the market. This strategic move allowed the company to remain competitive and continue its growth trajectory.

**Related:** [Read about when Rikvin Capital supported a Singaporean investor refinance a commercial building in Glasgow](https://www.rikvincapital.com/case-study/singaporean-investor-refinances-commercial-building-in-glasgow/)

- **Location:** Mayfair, London
- **Market Value:** £9,500,000.00
- **Loan Amount:** £1,750,000.00
- **Loan-to-Value:** 18.42%
- **Duration of Loan:** 6 Months
- **Payment Schedule:** Monthly
- **Asset Type:** Residential Apartment
- **Completion Time:** 2 weeks

## Frequently asked questions

### I am an Indian company. Can I borrow against a UK residential property for quick working capital?

Yes. The Mayfair case lent £1.75 million against a £9.5 million residential apartment (18.42% loan-to-value) in 2 weeks for an Indian company using a London apartment as security. We lend to overseas corporate borrowers and are familiar with Asian corporate structures.

### How is the loan documented for an overseas corporate borrower?

We typically lend to either the property-owning vehicle (often a UK or offshore SPV) or directly to the operating company with personal guarantees from the promoters. The Mayfair structure used a UK SPV holding the apartment, with parent-company guarantees from the Indian operating company.

### How quickly can the released funds be wired overseas?

Same day as drawdown, subject to standard AML clearance on the destination account. The Indian company here received the £1.75 million inside 2 weeks of first enquiry and deployed it into Indian operations the same week, well ahead of the time a UK or Indian bank would have taken.

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