Commercial Bridging Loan

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

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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

Which commercial asset classes does Rikvin Capital lend against in the UK?

Our UK commercial book covers hotels, Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), prime retail, offices, industrial and student accommodation. We are equally comfortable with single-asset loans and multi-property portfolios, including mixed-use buildings with a residential element above retail.

Can I refinance a tenanted commercial building to release working capital?

Yes. Releasing equity is one of our most common UK deals. We refinance up to 70% of valuation against tenanted assets, using the tenant quality and remaining lease length as part of the review. Funds can be put into acquisitions, fit-out at a new site, business expansion or another property purchase.

Do you fund mixed-use buildings with residential above retail?

Yes. Mixed-use is a natural fit for short-term private lending, because high-street lenders often struggle with title structure or split-use valuations. We assess the residential and commercial parts separately and combine them into a single loan, typically up to 65 to 70% loan-to-value.

How are interest payments structured on a UK commercial loan?

You can choose monthly serviced interest (which keeps the headline loan amount at the full agreed level) or rolled-up interest (no monthly cost, paid at the end). Rolled-up interest is popular with operators whose cash flow is tight, such as hotels going through repositioning or HMOs being upgraded.