A developer exit bridging loan is a short-term finance solution designed specifically for property developers who have completed or nearly completed a project. It allows you to repay your existing development finance (often at a higher rate) while you finalize property sales or arrange long-term finance.

Rikvin Capital offers loan amounts from £1 million up to £100 million, subject to the project’s value, stage of completion, and your proposed exit strategy (e.g., sales or refinance).

We cap our Loan-to-Value (LTV) at 70%. If you need additional borrowing power, you may secure multiple properties or provide additional collateral, as long as the combined security supports the overall loan requirement.

• Lower Financing Costs: Switch from higher-rate development finance to a more cost-effective bridging facility.
• Extended Sales Period: Gives you more time to market and sell units at the best possible price.
• Cash Flow Management: Interest roll-up options allow you to defer payments until the end of the term, improving cash flow.
• Fast Approval: We can often complete within 2–4 weeks, helping you avoid costly delays.

Any property developer—whether an individual, SPV, or corporate entity—can apply, provided the development is near completion or fully completed. We focus on build quality, final value, and your exit plan rather than strict income or affordability checks.

For larger loan amounts or higher LTV deals, a personal guarantee may be requested. Providing additional assets or showing a proven track record in development can help you secure more favorable terms.

If all valuation, legal, and due diligence requirements are met, we can settle your existing finance in 2–4 weeks—faster in some cases. This speed helps you reduce costs, avoid refinancing penalties, or meet crucial deadlines.

Absolutely. We offer an interest roll-up option, allowing you to pay the total interest at redemption. This approach can provide breathing space while you complete unit sales or prepare for refinancing.

Yes. We’re flexible on property types—whether it’s residential units, commercial spaces, or mixed-use developments—as long as the project is substantially complete or near completion. Our team will evaluate the overall value and marketability.

• Selling remaining units to repay the bridging facility.
• Refinancing onto a long-term buy-to-let or commercial mortgage if you plan to retain units.
• Portfolio restructuring or additional capital injections from other investments.

Yes. While we do check credit, our main focus is on the property’s security, its final value, and your feasible exit route. Minor credit issues are not always disqualifying factors, but they can influence loan terms.

• Expertise: We understand development cycles and tailor solutions that fit your timeline.
• Speed: Indicative terms often within 24 hours; completion in as little as 2–4 weeks.
• Flexibility: Multiple drawdown or roll-up interest options.
• Market Insight: We appreciate the importance of timing unit sales for maximum returns.