Residential 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 Residential Bridging Loans are tailored for borrowers looking to secure amounts from £1 million to £100 million, with quick approvals and transparent terms.

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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

Auction Purchases

Speed is crucial when buying at auction—our bridging loans help you meet strict deadlines.

Commercial & Mixed-Use Acquisitions

Secure prime commercial or mixed-use properties without losing out to competition.

Business Cash Flow

Use property equity to finance expansion or meet short-term obligations.

Short-Term Refinancing

Consolidate or refinance existing property finance until a long-term solution is arranged.

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

  1. 1

    Enquire

    Share the asset, the amount you need and your intended exit with our team, by enquiry form or WhatsApp.

  2. 2

    Term sheet within 24 hours

    Where the collateral, amount and exit are clear, you receive an indicative term sheet within 24 hours.

  3. 3

    Funds in about two weeks

    Valuation, legal review and completion typically take about two weeks on clean deals.

See the full lending process

Get Funding Approval Within 24 Hours

Get Started

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
£18.8M
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
£9.5M
Asset
Regional Hotel Portfolio
LTV
65%
Bridging the Gap: Rikvin Capital’s £30M Co-Funding Milestone

Bridging the Gap: Rikvin Capital’s £30M Co-Funding Milestone

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Bridging Finance for a London Investment Property

Bridging Finance for a London Investment Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital Completes GBP £2.275M Loan Facility

Rikvin Capital Completes GBP £2.275M Loan Facility

Loan Amount
£2.3M
Asset
Asset-backed collateral
LTV
70%
Rikvin Capital Backs $7.5M Mayfair Deal with Higher LTV

Rikvin Capital Backs $7.5M Mayfair Deal with Higher LTV

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital Secures Exclusive Financing for Limited Edition Bugatti Vehicles

Rikvin Capital Secures Exclusive Financing for Limited Edition Bugatti Vehicles

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Strategic Bridge Funding for Prime Hampstead Property

Strategic Bridge Funding for Prime Hampstead Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Swift Bridging Loan Execution for a Prime Surrey Property

Swift Bridging Loan Execution for a Prime Surrey Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed

FAQs

Compare the full product range on our bridging loans in the UK page.

Yes. Chain breaks are a classic use case. We fund the new purchase against your existing home (or both properties together) so you complete on time even if your buyer pulls out. The term matches your expected sale, and the loan is repaid from the sale proceeds, so you stay in control of pricing rather than being forced into a discount sale.
Yes. With tightening UK rules, properties with low Energy Performance Certificate ratings are often turned down by high-street lenders. We provide a bridge-to-refurbish loan so you can buy the property, carry out the EPC works, then refinance into a long-term mortgage once the property meets the standard.
We typically lend up to 70 to 75% of valuation on UK residential assets. Higher amounts are sometimes possible on prime London or for very strong borrowers. Loan size ranges from £1 million to £100 million, with terms of 3 to 24 months and either rolled-up or monthly-serviced interest.
Yes. Non-resident borrowers, expats and offshore SPVs are normal for our UK book. We focus on the property value, your overall wealth profile and a clear exit, rather than UK-PAYE income, so international buyers can move at the same speed as a UK cash buyer.
Yes. Rikvin Capital can review UK residential bridging loan scenarios for acquisitions, refinancing, equity release and time-sensitive completions, provided the asset, borrower profile and exit route are clear.
A useful first note includes the asset address, estimated value, requested loan amount, charge position, borrower background, intended use of funds, target timeline and proposed exit. This lets the team assess fit quickly before requesting deeper documents.
Where the asset, amount and exit are clear, indicative terms can usually be reviewed within 24 hours. Completion timing depends on a RICS valuation, legal review, KYC and how quickly supporting information is provided.
Yes. Depending on the facility structure, interest may be serviced monthly or rolled up and paid at redemption. Rolled-up interest can be useful when cash flow is tied up until a sale, refinance or liquidity event completes.
Common exits include sale of the secured asset, refinance with a bank or private bank, incoming investment proceeds, business liquidity events or repayment from another confirmed funding source. The clearer the exit, the easier it is to structure terms.