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 Auction Bridging Loans are tailored for borrowers looking to secure amounts from £1 million to £100 million, with quick approvals and transparent terms.

Contact Us
Loan Size£1M – £100M
Term Length3–24 Months
Loan-to-Value (LTV)Up to 75%
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

£18.8 Million Loan Facility Secured Against a Landmark West London Hotel

£18.8 Million Loan Facility Secured Against a Landmark West London Hotel

Loan Amount
£18.8 million
Asset
Full-Service Hotel
LTV
64%
£9.5 Million Loan Facility Secured Against a UK Regional Hotel Portfolio

£9.5 Million Loan Facility Secured Against a UK Regional Hotel Portfolio

Loan Amount
£9.5 million
Asset
Regional Hotel Portfolio
LTV
65%
Bridging the Gap: Rikvin Capital’s £30M Co-Funding Milestone

Bridging the Gap: Rikvin Capital’s £30M Co-Funding Milestone

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Bridging Finance for a London Investment Property

Bridging Finance for a London Investment Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital Completes GBP £2.275M Loan Facility

Rikvin Capital Completes GBP £2.275M Loan Facility

Loan Amount
£2.275 million
Asset
Asset-backed collateral
LTV
70%
Rikvin Capital Backs $7.5M Mayfair Deal with Higher LTV

Rikvin Capital Backs $7.5M Mayfair Deal with Higher LTV

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital Secures Exclusive Financing for Limited Edition Bugatti Vehicles

Rikvin Capital Secures Exclusive Financing for Limited Edition Bugatti Vehicles

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Strategic Bridge Funding for Prime Hampstead Property

Strategic Bridge Funding for Prime Hampstead Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Swift Bridging Loan Execution for a Prime Surrey Property

Swift Bridging Loan Execution for a Prime Surrey Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed

FAQs

How fast can you fund a UK auction completion within the 28-day window?

A standard UK auction contract requires completion 28 days after the hammer falls. We routinely fund inside this window: Decision in Principle within hours, valuation booked the next working day, and legal completion in 14 to 21 days. For pre-approved bidders we have completed in as little as 7 working days.

Can I get a Decision in Principle before the auction date?

Yes, and we strongly recommend it. A Decision in Principle based on your profile and the catalogue properties you are targeting (valid 30 to 60 days) lets you bid with committed financing, removes the financing risk and gives you confidence on your maximum bid. There is no fee for the DIP.

Will you finance a property bought at a deep discount at a mortgagee-sale auction?

Yes. Mortgagee-sale or LPA-receiver auction lots often clear below market value, which actually makes the loan safer on a real-valuation basis. We lend up to 75% of the lower of purchase price or valuation. Many of our auction borrowers are repeat investors who use the model on every catalogue.

What happens if the auction valuation differs from the hammer price?

We size the loan as a percentage of the lower of purchase price or valuation. If your hammer price is below the surveyor's valuation, you usually benefit (more of the price is covered). If valuation comes in below the hammer price, we may reduce the loan or ask for additional security or cash to cover the gap.