Rikvin Capital
A Singapore-domiciled principal lending £1m to £20m against UK property on an asset-led basis, with term sheets in a day and no requirement that the borrower be UK-resident.
What they do
Rikvin Capital lends its own proprietary capital alongside bonds issued to accredited and institutional investors, into UK property from Singapore. Products cover short-term bridging, developer exit, auction and refinance facilities, and lending to non-residents, foreign nationals and special purpose vehicles, at up to about 75 per cent loan to value. Underwriting is explicitly asset-led rather than borrower-led: term sheets come within around 24 hours and funding in roughly two weeks, with a ten-day completion on record. The book skews to prime central London with deals also in Glasgow, Edinburgh and Manchester.
Where they fit in a lower-mid-market raise
Where the borrower is an overseas company or an offshore structure, most UK lenders slow down or decline, and this lender is built precisely for that case. For an internationally-owned group financing a UK property purchase quickly, it is a genuine option that a domestic panel search would miss.
Where they are not the fit
There is no UK legal entity and no FCA regulation: this is a foreign lender operating cross-border, which is a material consideration in itself. No pricing is published anywhere, so terms must be requested. Lending is business-purpose only and secured on UK real estate rather than trading cashflow.
Published terms
- Pricing
- No headline rate published on any Rikvin page - monthly rate, margin and arrangement fees are all undisclosed and would need direct contact (a material information gap). Up to ~75% loan to value, terms 3-24 months
- Speed to terms
- Term sheet in ~24 hours; funding in ~2 weeks (10-day completion evidenced). No published published timetable
- Sponsored or sponsorless
- Core franchise is asset-backed bridging to foreign-national/non-resident HNW individuals and offshore SPVs who cannot get bank finance on residency grounds, but also lends to UK limited companies, developers, SPVs, trusts and corporates (e..
- Where they lend
- UK-wide with a heavy Prime Central London or prime-residential skew. Evidenced deals in London (Mayfair/Kensington/Belgravia/Hammersmith/Marylebone/Brentford), plus Glasgow, Edinburgh, Manchester, Birmingham, Leeds, Blackpool and Wales,.
- How they decide
- Direct principal decisions off its own/bonded balance sheet; asset-led underwrite that disregards borrower residency ('focus on the asset, not the borrower'). Term sheet within ~24 hours, funds in ~2 weeks (10 days evidenced). Authority is delegated below committee on at least part of the book
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Rikvin Capital lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Rikvin Capital lends, but which of these would own it.
Short-term bridging (commercial, residential, prime London)
- Facility
- £1m to £20m
- Security
- First-charge short-term bridging secured against UK real estate; up to circa 75% loan to value (70-75% prime residential/commercial); terms 3-24 months; asset-led underwrite, borrower residency disregarded.
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose/unregulated only; Singapore-domiciled cross-border lender (no UK legal entity)
Developer-exit, auction & refinance bridging
- Facility
- £1m to £15m
- Security
- First-charge bridging for developer exit, auction purchase and refinance secured on UK real estate; up to circa 75% loan to value; terms 3-24 months; drawdown against asset value, not cashflow
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose/unregulated only; Singapore-domiciled cross-border lender (no UK legal entity)
Non-resident / foreign-national & SPV bridging
- Facility
- £1m to £20m
- Security
- Asset-backed bridging to non-resident/foreign-national borrowers, offshore SPVs, trusts and UK limited companies on UK real-estate security; 'focus on the asset, not residency'. Up to circa 75% loan to value, 3-24 months
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose/unregulated only; Singapore-domiciled cross-border lender (no UK legal entity)
How they sit against the category
- Its published ceiling is £20m; 35 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 3 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Rikvin Capital write?
Published facilities run £1m to £20m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Rikvin Capital move?
Term sheet in ~24 hours; funding in ~2 weeks (10-day completion evidenced). No published published timetable. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Rikvin Capital lend to search funds or ETA buyers?
Not on the published evidence. Rikvin Capital publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
Sources
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.