Roma Finance

Roma Finance are a Manchester-based firm that was founded in 2008. A leading bridging loan lender, the company was founded by Scott Marshall, a previous underwriter who has been in the industry for over a decade. He saw the potential to offer quick funding (typically within 48 hours) and get under the skin of every case and find a lending solution. Customers can borrow between £30,000 to £650,000 against a 1st or 2nd charge basis. The maximum loan-to-value is 75%, however, there have been cases of 100% funding with additional security.

Minimum Age
Loan Value Available
£30,000 to £650,000
Loan Length
Up to 9 months (most customers use finance for 6 months)
Typical Time to Fund
48 hours
Interest Rates
Less than 1.0% per month
Credit Check
Other Information
Max 75% LTV, although 100% is available with security
FCA License Number
  • Direct Lender
  • FCA Authorised
  • Secured Loan

Get a Quote

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Octagon Capital

3-4 Holborn Circus,
Holborn, London

Opening Hours

Monday to Friday
9:00 am to 18:00 pm


Call us today 0333 414 1491


Roma Finance are an established lender in the bridging industry and have been since they were founded in 2008. They offer loans that are completely unregulated, meaning that they do not have to carry out credit cards prior to funding but instead will base their decision on your project and its potential.

The company emphasize the speed of their process and are able to transfer funds within 48 hours of approval, which is one of the fastest of all the companies we featured (usually one week is required). Roma ensures that they meet each client before agreeing to fund their purchase as a way to manage risk and this approach has allowed them to increase their conversions and funding rate by as much as 30%.

Roma Finance are a member of the NACFB and Association of Short Term Lenders and have been highly commended in the awards by Business MoneyFacts, Bridging&Commercial and Financial Reporter.

How To Apply With Roma Finance

  1. Application: It starts with making an application and you can begin by filling in our quotation form above. This will be transferred to our partner, Brightstar Financial, who will be able to talk you through the application and the requirements to maximise your chances of approval. Or you can simply email us at
  2. Agreement in Principle (AIP): If Roma Finance are happy with the initial plans for your project, they will give you a formal acceptance in writing stating that they can offer you a loan on the following terms provided that your valuation and criteria can be justified. This is known as a decision in principle or agreement in principle.
  3. Valuation and Borrowing Meeting: Roma are passionate about always meeting the borrower beforehand. It allows them to mitigate risk and also understand you and the project better. They will instruct a non-bias third party to valuation the property and this will be key to determine how much you can borrow.
  4. Confirmation of Loan Terms: Once the valuation is in, the loan terms can be reviewed, processed and provided to the customer.
  5. Solicitors Instructed: Once you or your borrower has accepted the terms of the loan agreement, Roma will instruct their solicitor to send the legal papers required for completion to your solicitor.
  6. Completion: Once all the paperwork is completed and confirmed, the funds can be transferred to the individual or business within 48 hours of approval.

The steps of 2, 3, 4 and 5 are typically run at the same time, to speed things up. Roma will also release funds to the solicitor before the due diligence process has been completed in order to minimise transaction delays. The quickest deal ever completed by Roma was within 5 and a half hours, although they mention that customers generally come to them around 7 to 8 times, so being a repeat customer will likely speed up things for future purpose.

Who Can Borrow With Roma Finance?

Roma states that their product is very flexible meaning that they can consider most lending types – this helps being an unregulated lender. This includes being able to lender to those who are self-employed, landlords, property developers, company owners and entrepreneurs, provided that they are UK residents. Assuming that they can meet the borrower before, they can also lend to those in partnerships, LLPs and limited companies.

Properties they can lend on include:

  • Bed & Breakfast Accommodation
  • Farms & Farmhouses
  • Hotels & Guest Houses
  • Land with Planning
  • Light Industrial Units
  • Lock Up Units / Garages
  • Offices
  • Residential Property
  • Restaurants
  • Retail Units
  • Semi Commercial Properties
  • Shut down Care Homes
  • Shut down Pubs

Properties that cannot lend on include:

  • Amusement Parks
  • Casinos
  • Chemical Works
  • Contaminated Properties
  • Development land without planning
  • Factories built for a specific use
  • Football Clubs
  • Golf Courses
  • Mobile Homes
  • Night Clubs
  • Properties owned by Charities & Clubs
  • Petrol Stations
  • Places of worship

During the application process, all customers will be required to pay the valuation fees of their property – and the cost will vary on the value of the property with more expensive buildings prone to higher valuation costs. However, this is pretty standard in the industry. Customers always have the option to repay early, following a minimum of one month’s payment and if  if they deducted payments from the advance, any unused overpaid interest will be credited back to the borrower.

Company Information

Address: 15 Carnarvon Street, Manchester, M3 1HJ

Countries they operate: England, Scotland and Wales.

Member of: NACFB, ASTL

Company no: 07232590

FCA authorisation number: 632375

Octagon Capital is the trading name of Tudor Lodge Digital Ltd which trades under company number: 10437769

Octagon Capital does not provide advice on regulated mortgage contracts or credit agreements, these are carried out by one of our independent FCA regulated associates. Octagon Capital acts as a Credit Broker with access to whole of market and does not act as a Lender.


Contact Us

Octagon Capital
3-4 Holborn Circus, Holborn
London EC1N 2HA
Find Us on Google Maps

Opening Hours
Monday to Friday
9:00 am to 18:00 pm

T: 0333 414 1491