Where CapitalMeets Opportunity

Short-Term Asset-Backed Loans in the United Kingdom

24hIndicative terms
75%Maximum LTV
£1M+Facility size
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300+Deals Funded
$1BTotal Funded
8+ yearsTrack Record

Case Studies

A Race Against Time: Refinancing a Prime London Property in UK

A Race Against Time: Refinancing a Prime London Property in UK

Loan Amount
£14.8M
Asset
Luxury Residential Building
LTV
64%
Developer Uses Temporary Bridge to Acquire Prime Commercial Site in London

Developer Uses Temporary Bridge to Acquire Prime Commercial Site in London

Loan Amount
£3.3M
Asset
Commercial Property
LTV
55%
Beneficiary of a Trust Requires a Short-Term Loan in the UK

Beneficiary of a Trust Requires a Short-Term Loan in the UK

Loan Amount
£5M
Asset
Residential Property
LTV
52%
Property Investor Uses Existing Property Portfolio to Finance New Purchase

Property Investor Uses Existing Property Portfolio to Finance New Purchase

Loan Amount
£1.5M
Asset
Residential and Commercial Properties
LTV
41%
HNWI Needs Short-term Liquidity for Working Capital

HNWI Needs Short-term Liquidity for Working Capital

Loan Amount
£270K
Asset
Commercial Property
LTV
49%
Property Developer Snaps Up High Potential Development Site With a Quick Bridge Loan

Property Developer Snaps Up High Potential Development Site With a Quick Bridge Loan

Loan Amount
£11.2M
Asset
Commercial Property
LTV
41%
HNWI from UAE Purchases Large Commercial Building at Discount

HNWI from UAE Purchases Large Commercial Building at Discount

Loan Amount
£7.3M
Asset
Commercial Property
LTV
18%
Shipping tycoon purchases prime central london real estate

Shipping tycoon purchases prime central london real estate

Loan Amount
£8.4M
Asset
Residential Property
LTV
67%
Hotel developer uses a bridge loan to purchase hotel in Edinburgh

Hotel developer uses a bridge loan to purchase hotel in Edinburgh

Loan Amount
£2.6M
Asset
Commercial Property
LTV
50%

Financing forEvery Asset Class

Residential

Commercial

Prime London

Large Bridging

Developer Exit

Auction

Foreigner

Refinance

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.

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Backed by Private Capital

Rikvin Capital's lending is funded by our proprietary capital and by bonds issued.

We work exclusively with accredited investors, as defined in section 4A of the Securities and Futures Act 2001, and with institutional investors.

£576MBonds Issued
0Capital Losses
£31MCoupons Distributed

Rikvin Capital does not offer securities to the public. Nothing on this website constitutes an offer of, or invitation to subscribe for, securities. Information on past bond issuances is provided as a record of the firm's history only. Data above is as of 1 August 2026.

Insights

Bridge Loan for UK Commercial Real Estate: Exiting Development Finance Before the First Tenant Signs
United Kingdom

Bridge Loan for UK Commercial Real Estate: Exiting Development Finance Before the First Tenant Signs

Completed commercial scheme with no signed leases yet and development finance reaching its term. A bridge loan sized against the asset's value, not its income, clears the facility and buy...

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Fast Bridging Loans in Prime Central London: Matching Cash Buyer Speed When the Vendor Won't Wait

Fast Bridging Loans in Prime Central London: Matching Cash Buyer Speed When the Vendor Won't Wait

Prime central London vendors choose cash for certainty of completion. A fast bridging loan matches that pace: term sheet in 24 hours, drawdown in 2–3 weeks.

24-Hour Bridging Loan for UK SPVs and Trusts: What the Timeline Actually Looks Like

24-Hour Bridging Loan for UK SPVs and Trusts: What the Timeline Actually Looks Like

For a UK SPV or trust, a 24-hour bridging loan term sheet is achievable, provided your opening pack is complete. Here is what the lender needs, and where the timeline extends.

Bridging Loan via Offshore Company in the UK: KYC, ATED and the Due Diligence Timeline

Bridging Loan via Offshore Company in the UK: KYC, ATED and the Due Diligence Timeline

Holding UK property inside a BVI, Jersey or Cayman vehicle does not prevent a bridging loan. It does mean three specific layers of due diligence: UBO documentation, ATED confirmation, and a more complex Report on Title. Here is what to prepare before you approach a lender.

Bridge Loan London: Financing Short-Lease Auction Lots Mortgage Lenders Won't Touch

Bridge Loan London: Financing Short-Lease Auction Lots Mortgage Lenders Won't Touch

London auction rooms regularly list leasehold flats with sub-80-year leases that mainstream lenders won't touch. A bridging loan closes the purchase, buys time for the statutory lease extension, and exits into a standard mortgage.

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FAQ

New to bridging finance? Start with our complete guide to bridging loans in the United Kingdom.

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.
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."
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.
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.
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.
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."
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.
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.
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.
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.