Commercial Bridging Loan

At Rikvin Capital, we understand that sometimes you need fast, flexible funding solutions—especially for large-scale property transactions or business needs. Our Commercial 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

Which commercial asset classes does Rikvin Capital lend against in the UK?

Our UK commercial book covers hotels, Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), prime retail, offices, industrial and student accommodation. We are equally comfortable with single-asset loans and multi-property portfolios, including mixed-use buildings with a residential element above retail.

Can I refinance a tenanted commercial building to release working capital?

Yes. Releasing equity is one of our most common UK deals. We refinance up to 70% of valuation against tenanted assets, using the tenant quality and remaining lease length as part of the review. Funds can be put into acquisitions, fit-out at a new site, business expansion or another property purchase.

Do you fund mixed-use buildings with residential above retail?

Yes. Mixed-use is a natural fit for short-term private lending, because high-street lenders often struggle with title structure or split-use valuations. We assess the residential and commercial parts separately and combine them into a single loan, typically up to 65 to 70% loan-to-value.

How are interest payments structured on a UK commercial loan?

You can choose monthly serviced interest (which keeps the headline loan amount at the full agreed level) or rolled-up interest (no monthly cost, paid at the end). Rolled-up interest is popular with operators whose cash flow is tight, such as hotels going through repositioning or HMOs being upgraded.