Auction Bridging Loans

At Rikvin Capital, we understand that sometimes you need fast, flexible funding solutions—especially for large-scale property transactions or business needs. Our Action Bridging Loans are tailored for borrowers looking to secure amounts from £1 million to £100 million, with quick approvals and transparent terms.

Loan Size

£1m – £100m

Term Length

3-24 Months

Loan-to-Value (LTV)

Up to 70%

Security

First charge

Interest Payment

Roll-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.

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.

Case Studies

The Application Process

Initial Consultation

Term Sheet

Due Diligence

Legal Review

Funding Disbursed

FAQs

What are Auction Bridging Loans?

An auction bridging loan is a short-term finance solution designed to help you secure properties bought at auction, where completion deadlines are typically tight—often within 28 days. Rikvin Capital provides fast, flexible funding to ensure you don’t miss out on great auction opportunities.

How much can I borrow for an auction purchase?

Rikvin Capital offers auction bridging facilities from £1 million up to £100 million, depending on the property’s value and your chosen exit strategy.

What is the maximum Loan-to-Value (LTV)?

We cap our LTV at 70%, ensuring the loan is well-secured. If you need additional borrowing power, you can offer multiple properties or additional collateral.

Why choose Rikvin Capital’s Auction Bridging Loans?
  • Speed: We understand the short completion windows in auctions and can often complete in 2–4 weeks.
  • Flexibility: Loan terms of 3 to 24 months, with rolled-up interest if desired.
  • Straightforward Process: Clear underwriting criteria focusing on the property’s value and your exit plan.
  • Supportive Team: Our specialists guide you through every step—from initial assessment to quick funding.
How quickly can I get an offer?

We aim to provide an indicative offer within 24 hours once we have the necessary property and exit strategy details. Following valuation and legal checks, funds can often be disbursed within 2–4 weeks, ensuring you meet auction deadlines.

Can I roll up the interest so I don’t have monthly payments?

Yes. We offer interest roll-up options, meaning you pay the accumulated interest at the end of the term. This helps preserve your cash flow while you arrange a longer-term mortgage or sell the property.

What types of properties qualify for auction bridging loans?

We finance a wide range of residential, commercial, and mixed-use properties purchased at auction. If you’re unsure whether a specific property fits our criteria, contact us for a quick assessment.

Do you check my credit history?

Yes. While we do review credit, our primary focus is on the property’s value, your equity, and your exit strategy. Minor credit issues may not prevent approval, but they could influence the terms offered.

What exit strategies do you accept?

Common exits include:

  • Refinancing onto a longer-term mortgage once the auction purchase is complete.
  • Selling the property at a profit.
  • Raising capital through other transactions or investments.

As long as your strategy is clear and feasible, we’ll consider it.

How do I apply for a Rikvin Capital Auction Bridging Loan?

Simply contact our team with details about the auction property, the amount you need, and your exit plan. We’ll guide you through the valuation, legal checks, and any other required documentation. With everything in order, we’ll issue funds swiftly so you can close your auction deal on time.

Schedule a Call