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Roma Finance Review

Figures last checked . Independent review by Lendus — we are an introducer, not a lender, and are not paid by Roma Finance.

What does Roma Finance offer UK businesses?

Roma Finance does not offer a direct lending product. Roma Finance does not publish specific interest rates on its website. Figures checked 23 August 2026 and indicative only.

Roma Finance is a UK property lender headquartered in Manchester, offering bridging finance (RomaFLOW), development finance (RomaGROW) and longer-term retention options including buy-to-let and commercial mortgages (RomaPRO). The lender describes itself as a family business, founded by Scott Marshall, that has been providing property finance for over 15 years. Roma Finance underwrites manually on a case-by-case basis, focusing on the strength of the borrower and their exit strategy rather than automated credit scoring, and lends across England, Scotland and Wales. It is a member of industry bodies including the NACFB, BDLA, SMP, BBI and FIBA. The company does not publish interest rates or an FCA firm reference number on its website.

Written by the Lendus editorial team. Last updated: April 2026.

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Amount

£75k – £3M

Rates

N/A – N/A

Roma Finance does not publish specific interest rates on its website; RomaFLOW bridging, RomaGROW development and RomaPRO buy-to-let/commercial mortgage pages all refer only to 'competitive rates' provided on application.

Speed

Service level target of a response within 24 hours; Roma Finance states 80% of RomaFLOW bridging cases complete within 28 days, and cites a record bridging completion of 5.5 hours and a record buy-to-let completion of 6 days

What is Roma Finance?

Roma Finance (Romaco Limited (trading as Roma Finance)) is a UK-based business finance provider founded in 2011 and headquartered in Manchester. Roma Finance is a UK property lender headquartered in Manchester, offering bridging finance (RomaFLOW), development finance (RomaGROW) and longer-term retention options including buy-to-let and commercial mortgages (RomaPRO). The lender describes itself as a family business, founded by Scott Marshall, that has been providing property finance for over 15 years. Roma Finance underwrites manually on a case-by-case basis, focusing on the strength of the borrower and their exit strategy rather than automated credit scoring, and lends across England, Scotland and Wales. It is a member of industry bodies including the NACFB, BDLA, SMP, BBI and FIBA. The company does not publish interest rates or an FCA firm reference number on its website. .

Founded 2011 Manchester Regulatory details being re-verified. Check the FCA Register before relying on them.

Where these details come from

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Products offered

Bridging LoansDevelopment FinanceCommercial Mortgages

Rates and costs

Rate range
N/A – N/A (Roma Finance does not publish specific interest rates on its website; RomaFLOW bridging, RomaGROW development and RomaPRO buy-to-let/commercial mortgage pages all refer only to 'competitive rates' provided on application.)
Amount range
£75,000 – £3,000,000
Approval speed
Service level target of a response within 24 hours; Roma Finance states 80% of RomaFLOW bridging cases complete within 28 days, and cites a record bridging completion of 5.5 hours and a record buy-to-let completion of 6 days

Eligibility requirements

Minimum trading history
Not published as a fixed minimum. Roma Finance underwrites manually and case-by-case, focusing on the borrower's strength, experience and exit strategy rather than a set minimum trading history
Minimum turnover
Not published, underwriting is property-secured and assessed case-by-case rather than against a minimum turnover threshold
Credit requirements
Not explicitly published. Roma Finance describes its approach as 'intelligent touch' manual underwriting, judging each case on the borrower's capability and exit strategy rather than automated credit scoring; the website does not state a specific credit score policy or whether adverse credit is accepted

How to apply

1

Check eligibility through Lendus, answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options, see rates, terms, and eligibility from multiple providers including Roma Finance

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Long-standing property lender, in operation for over 15 years according to its own website
  • Fast decision-making, with a 24-hour response target and case studies quoting bridging completions in as little as 5.5 hours
  • Manual, relationship-led underwriting that considers the borrower and exit strategy rather than only automated scoring
  • Covers the full property finance journey in-house: bridging (RomaFLOW), development finance (RomaGROW) and buy-to-let/commercial mortgage retention (RomaPRO)
  • Lends across England, Scotland and Wales

Cons

  • No interest rates, fees or representative example are published on the website; pricing is only available on enquiry
  • No FCA firm reference number or explicit regulatory statement is published on the site, so regulated/unregulated status could not be independently confirmed
  • Standard loans are capped at £3 million on the published product pages; larger amounts are only considered by referral
  • Development finance is capped at a lower loan-to-value (up to 65%) than bridging (up to 75%)

Is Roma Finance right for you?

Best for

Property investors and developers in England, Scotland or Wales who want a single lender covering bridging, development finance and a buy-to-let or commercial mortgage exit, and who value manual, relationship-led underwriting

Not ideal for

Borrowers who need published, comparable pricing before enquiring, projects needing more than £3 million without a referral, or business owners seeking unsecured finance without a property asset

Roma Finance alternatives

If Roma Finance isn't the right fit, consider these alternatives:

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Frequently asked questions about Roma Finance

Is Roma Finance legit?
Yes. Roma Finance is the trading name of Romaco Limited, a company registered in England and Wales under company number 07232590, with a registered office at 15 Carnarvon Street, Manchester M3 1HJ. The lender states it has been providing property finance for over 15 years and is a member of industry bodies including the NACFB and BDLA. You can verify the company registration yourself on the Companies House register.
What is Roma Finance's company registration number?
Roma Finance operates under Romaco Limited, company number 07232590, registered in England and Wales. The registered office address given is 15 Carnarvon Street, Manchester M3 1HJ. This can be checked against the free Companies House register at find-and-update.company-information.service.gov.uk.
Is Roma Finance FCA regulated?
Roma Finance does not publish an FCA firm reference number or a specific regulatory statement on its website, including its legal notice, privacy policy, consumer duty and product pages. Business and investment property finance such as bridging and development finance secured on non-residential property is commonly unregulated in the UK, but Lendus could not independently confirm Roma Finance's precise regulatory status from the lender's own site or the FCA register. Always check the current position directly with Roma Finance or on the FCA register before proceeding.
How much can I borrow from Roma Finance?
Roma Finance's published product pages state loan amounts from £75,000 up to £3 million across its RomaFLOW bridging, RomaGROW development finance and RomaPRO buy-to-let and commercial mortgage products, covering England, Scotland and Wales. Larger loans can reportedly be considered by referral, but no maximum is published for these cases.
What are Roma Finance's bridging and development finance rates?
Roma Finance does not publish specific interest rates for RomaFLOW bridging or RomaGROW development finance on its website; the pages refer only to 'competitive rates' available on application. Prospective borrowers need to make a direct enquiry to get a quote, so rates cannot be compared here without contacting the lender.
How fast is Roma Finance's bridging finance?
Roma Finance sets a service level target of responding within 24 hours and states that 80% of RomaFLOW bridging cases complete within 28 days. The lender also cites a record bridging completion of 5.5 hours and a record buy-to-let completion of 6 days, though these are exceptional case studies rather than typical timescales.
Does Roma Finance offer development finance?
Yes. Roma Finance's RomaGROW product covers light, medium and heavy refurbishment as well as residential and commercial ground-up development, for loans from £75,000 to £3 million at up to 65% loan-to-GDV, with terms of up to 24 months. As with its bridging product, specific rates are not published and are quoted on application.

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