UK Bridging Loan Application Process

From enquiry to drawdown, here is how Rikvin Capital reviews, values and completes asset-backed facilities in the United Kingdom.

  1. Enquiry

    What happens

    Complete the loan application form and provide information about the property, outstanding loans, estimated value, and the amount you would like to borrow. Note that Rikvin Capital only lends to accredited investors or companies.

    What we need from you

    Asset address, estimated value, existing debt, desired facility size, target timeline and intended exit.

  2. Application

    What happens

    Our team will review the application and may reach out to you for additional information. A desktop valuation of your property will be conducted. If the enquiry is approved, you will receive an indicative term sheet.

    What we need from you

    Supporting ownership details, borrower information and any documents needed to assess the proposed structure.

  3. Valuation

    What happens

    Our valuers will contact you to arrange access to the property for a full valuation. The valuation report will be used to conduct a full case assessment. If the property's value does not match the initial estimate, the terms offered may be updated.

    What we need from you

    Access for the valuer, title information and context on any issues that may affect market value or completion.

  4. Legal

    What happens

    Before any legal work begins, our solicitors will need an undertaking from your solicitor. All legal documents will be drafted by our solicitors.

    What we need from you

    Your solicitor details, signed instructions and prompt responses to document or due-diligence requests.

  5. Completion

    What happens

    Once all legal formalities are complete and signed, the loan funds are disbursed.

    What we need from you

    Final signed documents, satisfied conditions precedent and confirmation of the agreed drawdown mechanics.

Ready to Discuss Your Funding Timeline?

Share the asset, amount and timing you have in mind. We will review whether the opportunity is suitable for an asset-backed facility.

Request Indicative Terms

Case Studies

£18.8 Million Loan Facility Secured Against a Landmark West London Hotel

£18.8 Million Loan Facility Secured Against a Landmark West London Hotel

Loan Amount
£18.8 million
Asset
Full-Service Hotel
LTV
64%
£9.5 Million Loan Facility Secured Against a UK Regional Hotel Portfolio

£9.5 Million Loan Facility Secured Against a UK Regional Hotel Portfolio

Loan Amount
£9.5 million
Asset
Regional Hotel Portfolio
LTV
65%
A Race Against Time: Refinancing a Prime London Property in UK

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

Loan Amount
£ 14,750,000
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
£ 3,311,105.00
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
£ 5,039,873.00
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
£ 1,500,000.00
Asset
Residential and Commercial Properties
LTV
41%

Process FAQs

What information should I prepare before making an enquiry?

Share the asset location, estimated value, existing loans, desired facility size, timeline and intended exit. For property-backed loans in the United Kingdom, this helps Rikvin Capital assess whether the opportunity can move quickly to indicative terms.

How quickly can I receive indicative terms?

Indicative terms can usually be provided within 24 hours once the collateral, requested amount and purpose of funding are clear. Final terms remain subject to valuation, legal review and due diligence.

Is a full valuation required?

A desktop valuation may be used at the early assessment stage, but a full valuation is often required before drawdown. If the formal valuation differs from the initial estimate, the facility terms may be adjusted.

What happens during the legal stage?

Rikvin Capital's solicitors review title, security documentation, undertakings and completion requirements. The loan documents are prepared and signed once the structure, valuation and due diligence are complete.

When are funds disbursed?

Funds are disbursed once all legal formalities are complete, documents are signed and any conditions precedent are satisfied. The exact drawdown timing depends on the asset, jurisdiction and transaction complexity.