Lender Profile
Roma Finance Bridging Loans
Manchester-based specialist with a 'borrower first' approach — bridging + development.
Starting rate
0.9% /mo
Max term
Up to 24 months
Max LTV
75%
Loan range
£75,000–£3,000,000
About Roma Finance
Roma Finance is a Manchester-based specialist lender covering bridging, refurbishment, and development finance. Their RomaFLOW product is a fast-track minimal-paperwork bridge that completes 80% of cases within 28 days — useful when speed matters more than absolute lowest rate.
Standard bridging rates start at 0.90% per month, with refurbishment products covering medium (0.98%) and heavy (0.99%) works. Roma also offer development finance up to 65% LTGDV for residential schemes and a developer exit bridge for wind-and-watertight properties at 0.93%.
Roma accept all experience levels (including first-time developers, with a premium), and their inhouse monitoring team often replaces the need for a third-party Quantity Surveyor on simpler refurbishment cases — saving fees and time.
Product range: RomaFLOW (fast-track), refurbishment (light, medium, heavy), commercial, semi-commercial, developer exit, BMV, and ground-up development.
Best for
- Time-critical cases — RomaFLOW completes 80% in 28 days
- First-time developers (premium applies)
- Refurbishment up to 25% of CMV — no QS required on FLOW
- Developer exit on completed wind-and-watertight stock
Key facts
- Established
- Roma Finance brand established 2010s
- Min Loan
- £75,000
- Max Loan
- £3,000,000
- Max Term
- 24 months
- Max Ltv
- 75% (FLOW Bridge / Developer Exit) / 70% (refurbishment / semi-commercial) / 65% (heavy refurb / commercial)
- Fee
- 2% arrangement fee
- Regulated
- Unregulated only
- Interest Structures
- Rolled-up, part-and-part, or serviced
- Completion
- RomaFLOW: 80% complete within 28 days. Standard: 2-6 weeks.
Pros
- +RomaFLOW product is genuinely fast — 80% complete inside 28 days
- +Inhouse monitoring — no Quantity Surveyor required on simpler refurbs
- +Direct access to underwriters
- +All experience levels considered (first-time developers welcome)
Cons
- −Unregulated only — no owner-occupier bridging
- −£3m max facility — not suitable for very large deals
- −Higher headline rate than Precise / LendInvest
Roma Finance FAQs
What is RomaFLOW?
RomaFLOW is Roma's fast-track bridging product. It cuts paperwork to a minimum, with 80% of applications completing within 28 days. The trade-off is slightly higher rates than the standard product, in exchange for speed.
Does Roma do regulated bridging?
No — Roma's bridging is unregulated only, suited to investment, commercial, and non-residential property. For owner-occupier cases you'd want Precise, Masthaven, or another regulated lender on our panel.
Will Roma lend to a first-time developer?
Yes — Roma explicitly accept inexperienced borrowers on development finance, with a premium added to reflect the additional risk. A clear exit and credible build budget are still required.
Apply for a Roma Finance bridge
We'll match your case against Roma Finance's criteria first — and the rest of our panel — to find the cheapest fit.