A commercial bridging loan is a short-term financing solution designed to bridge the gap for businesses or investors purchasing or refinancing commercial property. Terms typically range from 3–24 months, offering fast, flexible funds until a long-term option (like a commercial mortgage or asset sale) is secured.

Rikvin Capital offers commercial bridging facilities from £1 million up to £100 million, subject to the property’s value and your exit plan.

We cap our LTV at 70% for commercial properties. If you need additional borrowing power, you can provide multiple assets as security, as long as the combined value supports the overall loan.

We accept a range of commercial property types, including:

• Office buildings
• Retail units
• Industrial or warehouse spaces
• Mixed-use properties (with a commercial component)

If you’re unsure whether your property qualifies, simply contact our team for clarity.

• Speed: Potential to complete in as little as 2–4 weeks, ideal for urgent transactions.
• Flexibility: Short-term financing from 3 to 24 months, with interest roll-up options to help manage cash flow.
• No Monthly Repayment (if Rolled Up): You can choose to roll up interest, paying it at the end of the loan term.
• Wide Range of Uses: From property acquisitions and refinances to time-sensitive business opportunities.

Both individuals and business entities can apply, whether you’re an experienced property investor, a business owner expanding your premises, or a company seeking short-term capital secured against commercial property.

For high-value loans or higher LTV requests, we may require a personal guarantee to reduce risk. This often helps borrowers secure more favorable terms, though the necessity depends on the specific deal.

If you have all documentation (property details, valuation reports, exit strategy, etc.) ready, we can typically provide an indicative offer within 24 hours. Subject to due diligence and legal checks, funding can be disbursed in 2–4 weeks.

Yes. We often finance properties in transition, including those with partial occupancy or undergoing light refurbishment. Just ensure you present a clear plan for completing works or stabilizing occupancy, plus a solid exit strategy.

Commercial bridging loans usually have higher interest rates but offer fast approvals and short-term flexibility. A standard commercial mortgage might be cheaper overall but can take much longer to arrange and has stricter criteria.

Yes, but our focus is on property value, exit strategy, and the overall viability of the transaction. Minor credit issues won’t necessarily prevent approval, though severe credit concerns may affect the terms offered.

Absolutely. We offer an interest roll-up option, which means no monthly payments—interest accrues and is paid at redemption of the loan. This is helpful if you want to keep monthly outgoings minimal while you work on your commercial project.

Common exits include:

• Refinancing with a long-term commercial mortgage once you stabilize or improve the property.
• Selling the property, potentially after refurbishment or market improvements.
• Business cash flow or other capital events that can settle the loan.

As long as your plan is credible and backed by realistic projections, we’ll consider it.

While a proven track record in commercial property investment can lead to better terms, we also consider new borrowers if the deal fundamentals (security, LTV, exit strategy) are solid. Our underwriting focuses on viability and security rather than just experience.

Get in touch with our team to discuss:

• Property details (type, value, condition)
• Loan amount and LTV
• Proposed exit route

We’ll guide you through valuation, legal checks, and documentation. If everything aligns, we can finalize your loan swiftly, so you can leverage your commercial opportunities without delay.