Shophouse Bridging Loans

Shophouse Bridging Loans provide fast, flexible funding for investors or business owners acquiring or refinancing Singapore shophouses. These iconic properties often require quick action, and our bespoke bridge financing ($1M and up) helps you seize opportunities in the shophouse market. Whether you're purchasing a conservation shophouse for investment or unlocking capital from a shophouse you already own, we offer swift approvals, high leverage (up to ~70% of property value), and short-term funding with clear terms to support your goals.

Contact Us
Loan Size$1M – $100M
Term Length3–24 Months
Loan-to-Value (LTV)Up to 70%
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

The Application Process

  1. Enquiry

  2. Application

  3. Valuation

  4. Legal

  5. Completion

Get Funding Approval Within 24 Hours

Get Started

Case Studies

Prime Residential Bridging Loan for Holland Road Property

Prime Residential Bridging Loan for Holland Road Property

Loan Amount
SGD 5.70 million
Asset
Semi-detached house
LTV
70 %
Good Class Bungalow GCB Bridging Loan for Binjai Park Property

Good Class Bungalow GCB Bridging Loan for Binjai Park Property

Loan Amount
SGD 20 million
Asset
Good Class Bungalow
LTV
66.9 %
Breaking the Sentosa Property Lending Freeze

Breaking the Sentosa Property Lending Freeze

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Weekend Rescue: How we Delivered $25 Million Bridge Funding for a Billionaire’s Acquisition

Weekend Rescue: How we Delivered $25 Million Bridge Funding for a Billionaire’s Acquisition

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Successful Bridge Loan Solutions for Prime Geylang Property

Successful Bridge Loan Solutions for Prime Geylang Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Sentosa Saga: Tailored Bridge Financing in Action

Sentosa Saga: Tailored Bridge Financing in Action

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Empowering Established Brands: Our Bridge Funding Success Story

Empowering Established Brands: Our Bridge Funding Success Story

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Unlocking $25 Million: Alternative Bridge Financing for Prime Property Owners

Unlocking $25 Million: Alternative Bridge Financing for Prime Property Owners

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital’s Bridge Loan Solution for Prime Commercial Property Purchase: A Client’s Success Story

Rikvin Capital’s Bridge Loan Solution for Prime Commercial Property Purchase: A Client’s Success Story

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed

FAQs

Will you fund a URA-gazetted conservation shophouse in Chinatown or Tanjong Pagar?

Yes. Conservation shophouses are a core part of our shophouse book. We have funded freehold and 999-year conservation shophouses in Chinatown, Tanjong Pagar, Kampong Glam, Joo Chiat and Geylang up to around 70% loan-to-value. We understand URA conservation guidelines and the longer bank timelines that make short-term private lending the natural fit.

Can I refinance my fully-paid commercial shophouse to release working capital?

Yes. Releasing equity from a commercial shophouse is one of our most common deals. We refinance up to 70% of valuation to free up capital for your business, an acquisition or another property purchase, with terms of 6 to 24 months. As an asset-based lender we do not require the cash to be put back into the same shophouse.

I have found a shophouse to buy but my existing property has not yet sold. Can you help?

Yes. This is a classic shophouse bridge case. We fund the purchase (full price or just the shortfall over your cash) using either the new shophouse, your existing property or both as security. The term matches your expected sale timeline, and the loan is repaid from the sale proceeds with no early-repayment penalties.

How much can I borrow on a freehold versus a 999-year shophouse?

Freehold and 999-year leasehold shophouses are treated about the same for borrowing purposes, usually up to 70% of valuation. Shorter remaining lease (60 years or less) gets a lower amount and a shorter term, because the remaining lease affects both the valuation and your bank-refinance options.