Roma Finance
Manchester-based principal lender covering residential bridging, refurb and a specialist BTL mortgage line, plus commercial mortgages. Its products include RomaFLOW, a streamlined bridging process for cleaner cases. FCA-regulated for the regulated bridging and BTL book.
Quick verdict
- Product: Bridging and BTL mortgages.
- Ticket band: £75k to £3m.
- Pricing: Quoted per case.
At a glance
Roma Finance, at a glance
- Legal entity
- Romaco Limited (trading as Roma Finance)
- Companies House
- 07232590
- Founded
- 2010
- Product
- Bridging and BTL mortgages
- Ticket range
- £75k to £3m
- Decision time
- 3 to 10 business days
- Ltd-only
- No, the lender also accepts other structures
Where Roma Finance is strong
- In-house BTL mortgage product alongside bridging.
- Streamlined process for prime cases.
- FCA-regulated for the regulated book.
Watch-outs, and when another lender may suit better
- Broker-distributed; direct applicants routed.
- Per-month rate quoting; total cost varies with exit.
- £3m ticket cap limits utility for larger schemes.
Best fit applicants
- £100k to £1.5m residential bridging
- BTL mortgages
- Refurb projects
Where Roma Finance is the wrong fit
- £3m+ tickets
- Ground-up development
- Self-serve consumer journey
If declined by Roma Finance
If your application to Roma Finance is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Roma Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Roma Finance?
Roma Finance offers bridging and btl mortgages. Ticket range: £75k to £3m. Typical rate: Quoted per case.
How long does Roma Finance take to decide?
3 to 10 business days
Who is Roma Finance the best fit for?
First on the list: £100k to £1.5m residential bridging. The full list is under Best fit applicants above.
When might another lender suit better than Roma Finance?
First on the list: £3m+ tickets. The other cases are under Where Roma Finance is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Roma Finance
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.