Roma Finance is a UK property lender serving investors, landlords, business owners and developers. Its range is grouped into three families: RomaFLOW for bridging and revolving credit, RomaGROW for heavy refurbishment and ground-up development, and RomaPRO for commercial, semi-commercial and buy-to-let mortgages. Bridge & Build Finance is an independent broker and is not part of Roma Finance, so we can compare its terms with other bridging and development lenders. You can read more on Roma Finance's own website.
About Roma Finance
Roma Finance is the trading name of Romaco Limited and a group of related companies registered in England, with its registered office in Manchester. It says it has been lending for more than 15 years, and it describes its offer as "one lender, one relationship" covering every stage of a property project, from purchase and refurbishment or development to a longer-term mortgage. It is not a bank.
Roma groups its range into RomaFLOW (bridging and revolving credit), RomaGROW (medium and heavy refurbishment and ground-up development) and RomaPRO (commercial, semi-commercial and buy-to-let term lending). It says it focuses on the borrower and their exit, and that each case is manually underwritten. Its website does not give ownership or funding details, so we have not stated them.
Roma Finance is one of the lenders we compare for bridging loans, heavy refurbishment and smaller development finance cases.
What Roma Finance funds
At the time of writing (October 2026), Roma's 2026 product guide sets out the following. All of its bridging and development lending is non-regulated, so it is for investment and business purposes rather than a home you live in.
| Product | What it is for | Key limits |
|---|---|---|
| RomaFLOW bridging | Purchases, refinances, auction completions, chain breaks, capital raising and business purposes on residential, semi-commercial, commercial property and land with planning | £75,000 to £3m, terms up to 24 months; up to 75% LTV on residential (70% on refinances), 70% on semi-commercial, 65% on commercial; second charges up to 55% LTV |
| FLOW Refurb and Light Development | Light works up to 25% of current value, or works of 25% to 50% of value | Up to 70% LTV (and 70% of GDV where works are larger) |
| Developer exit | Wind and watertight schemes awaiting sale or refinance | Up to 75% LTV |
| Below market value bridge | Discounted purchases by experienced landlords in England and Wales | Up to £500,000 and 70% LTV |
| RomaGROW | Medium refurbishment (works 50% to 100% of value), heavy refurbishment (works above current value) and residential or commercial ground-up development, up to 12 units | Up to 65% day-one LTV on refurbishment and 55% on ground-up; up to 70% of GDV (65% for commercial schemes); up to 80% loan to cost |
| RomaFLOW revolving credit facility | Repeat purchases, secured on an existing portfolio, agreed for three years | £250,000 to £2.5m (£750,000 in Scotland), up to 65% LTV on residential, lower on mixed-use and commercial |
Development and heavy works are released in arrears once Roma's monitoring surveyor has signed them off. For commercial ground-up schemes, Roma says borrowers must own other property, rural sites are not accepted and only first charges are taken. The exit is usually a sale or refinance, and because Roma also offers buy-to-let and commercial mortgages, a borrower may be able to move onto term finance with the same lender. See our guides to auction finance, development exit finance and bridge-to-term finance.
Who Roma Finance suits (and who it may not)
Roma Finance tends to suit:
- Investors buying at auction or below market value.
- Landlords and investors carrying out light, medium or heavy refurbishment.
- Smaller developers building schemes of up to 12 units, with loans up to £3m.
- Less experienced borrowers, as Roma says any experience level is considered.
- UK expats with a UK credit footprint and a UK bank account.
- Property traders who want a revolving facility across several deals.
It is less likely to suit larger development schemes, projects in Northern Ireland, or anyone needing a regulated bridge on their own home, as Roma's bridging is non-regulated. Ground-up development starts at 55% day-one LTV, and commercial schemes are only for borrowers who already own other property.
What Roma Finance looks at
Roma says it looks closely at the borrower and the exit. It lends to individuals, limited companies and LLPs aged 18 or over, with no upper age limit. Like most bridging and development lenders, it will typically assess:
- The borrower's experience on similar projects, although any level is considered.
- The value and type of the security, including non-standard construction.
- A realistic exit by sale or refinance.
- For refurbishment and development, the size of the works against current value, costs, planning and the monitoring surveyor's reports.
- Personal guarantees where the borrower is a company, with independent legal advice for each guarantor.
Pros and cons
Pros
- Bridging, refurbishment, development and term mortgages from one lender.
- Bridging up to 75% LTV on terms up to 24 months, with second charges considered.
- Commercial, semi-commercial and land with planning accepted.
- Any experience level considered, and expats with a UK footprint accepted.
- Revolving credit facility for repeat transactions.
Cons
- Ground-up development capped at 55% day-one LTV and 70% of GDV.
- Loan sizes top out at £3m, and schemes at 12 units.
- No regulated bridging.
- Not available in Northern Ireland.
Going through a broker vs going direct
Roma deals with brokers, introducers and direct borrowers. Bridging and refurbishment terms vary between lenders on leverage, fees and how works are funded, so it is worth comparing before you commit. We search the market, approach suitable lenders and present your case so you can compare a Roma offer with others.
It is free to enquire, and any broker fee is agreed with you before you proceed. Our refurbishment finance page explains how lenders treat light and heavy works.
Alternatives to Roma Finance
- Mint Property Finance: bridging and development lending for investors and developers.
- Lowry Capital: bridging and development finance at the smaller end of the market.
- Funding 365: bridging and development loans across a similar range.
- Signature Property Finance: smaller development, refurbishment and bridging loans.
Common questions
How much can I borrow from Roma Finance?
At the time of writing, Roma's bridging and development loans run from £75,000 to £3m, on terms of up to 24 months.
What LTV does Roma Finance offer on bridging?
Its residential bridging goes up to 75% LTV (70% on refinances), with semi-commercial up to 70%, commercial up to 65% and second charges up to 55%.
Does Roma Finance fund ground-up development?
Yes. RomaGROW covers residential and commercial ground-up schemes of up to 12 units, up to 70% of GDV for residential (65% for commercial) and 80% of costs.
Does Roma Finance offer regulated bridging?
No. Its bridging and development lending is non-regulated, so it is not for a home the borrower or their family lives in.
Where does Roma Finance lend?
Roma lends in England, Wales and Scotland. Some products, such as its below market value bridge, are limited to England and Wales.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
