A Commercial Bridging Loan is a short-term financing option designed specifically for commercial properties in Singapore. It allows businesses or investors to quickly secure or refinance a property, typically over 3–24 months, while awaiting a longer-term loan or sale.

• Local Expertise: Our team understands the Singapore commercial real estate market, ensuring loans are structured around local needs.
• Fast Turnaround: Indicative offers often within 24–48 hours, with funding possible in 2–4 weeks if documentation is complete.
• Flexible Terms: Borrow S$1 million to S$100 million, up to 70% LTV, with interest roll-up options if preferred.
• Transparent Process: We focus on the property’s value and your exit strategy, making approvals quicker and more straightforward.

We consider offices, retail units, industrial facilities, warehouses, and mixed-use developments. If you’re unsure about a specific property, our team can clarify eligibility based on its value, location, and potential exit route.

Depending on the property’s valuation and your exit plan, Rikvin Capital can lend from S$1 million up to S$100 million. We typically cap the Loan-to-Value (LTV) at 70%, but additional properties or assets can be offered as collateral to increase total borrowing potential.

Once we have the required documentation—including property details, valuation, and your exit strategy—we aim to disburse funds within 2–4 weeks. This speed helps you capitalize on time-sensitive commercial opportunities or urgent refinancing needs.

Yes. You can choose an interest roll-up option, deferring interest payments until the end of the loan term. This structure helps manage cash flow if you’re focusing on stabilizing or selling the commercial property.

They do come with higher rates because they are short-term, fast-access facilities. However, the benefits—like quick approvals and flexible terms—can outweigh the costs, particularly for urgent transactions or strategic acquisitions.

We’re open to various exit strategies, including:

• Refinancing into a long-term commercial loan once conditions are favorable
• Selling the property
• Releasing funds from other business assets or investments

As long as your plan is feasible and clearly outlined, we’ll consider it.

Yes, we conduct a basic credit check, but our primary focus is on the property’s value, LTV, and exit plan. Minor credit issues may not disqualify you, though they could influence loan terms.

For larger loan amounts or higher LTV scenarios, we may request a personal guarantee or corporate guarantee—depending on the borrower profile. This can help lower risk and potentially secure more favorable terms.

Yes. If you’re a non-Singaporean entity, we’ll review relevant documents (e.g., corporate structures, regulatory approvals) during our due diligence. Our team is experienced in navigating cross-border requirements for Singapore commercial property investments.

Contact us with the property details, loan requirements, and exit strategy. We’ll guide you through valuation, legal checks, and documentation. If everything aligns, we can issue an indicative offer and move toward disbursement as swiftly as possible.