Auction Bridging Loans

At Rikvin Capital, we understand that sometimes you need fast, flexible funding solutions—especially for large-scale property transactions or business needs. Our Auction Bridging Loans are tailored for borrowers looking to secure amounts from £1 million to £100 million, with quick approvals and transparent terms.

Loan Size£1M – £100M
Term Length3–24 Months
Loan-to-Value (LTV)Up to 75%
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

FAQs

How fast can you fund a UK auction completion within the 28-day window?

A standard UK auction contract requires completion 28 days after the hammer falls. We routinely fund inside this window: Decision in Principle within hours, valuation booked the next working day, and legal completion in 14 to 21 days. For pre-approved bidders we have completed in as little as 7 working days.

Can I get a Decision in Principle before the auction date?

Yes, and we strongly recommend it. A Decision in Principle based on your profile and the catalogue properties you are targeting (valid 30 to 60 days) lets you bid with committed financing, removes the financing risk and gives you confidence on your maximum bid. There is no fee for the DIP.

Will you finance a property bought at a deep discount at a mortgagee-sale auction?

Yes. Mortgagee-sale or LPA-receiver auction lots often clear below market value, which actually makes the loan safer on a real-valuation basis. We lend up to 75% of the lower of purchase price or valuation. Many of our auction borrowers are repeat investors who use the model on every catalogue.

What happens if the auction valuation differs from the hammer price?

We size the loan as a percentage of the lower of purchase price or valuation. If your hammer price is below the surveyor's valuation, you usually benefit (more of the price is covered). If valuation comes in below the hammer price, we may reduce the loan or ask for additional security or cash to cover the gap.