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They demonstrated their expertise and I will definitely use them again.

Unlike most other lenders, Roma Finance made significant efforts to understand my objectives for the project.

Roma Finance liaised with both myself and the borrower every step of the way.

Their process was quick and they delivered what they said they would.

They have expert property knowledge and truly understand the benefits of bridging finance.

A bridging loan in 2 days. They do what they say they will! Refreshing!

I was delighted with their speed and professional approach.

Roma Finance stave off a repossession of development site with £429k bridge in 5 days

  • Roma Finance provide £429k for site with planning for four houses
  • Agreement in Principle issued within 1 hour
  • Staved off the site being repossessed by another lender
  • Complex case with 2 Intercreditor Deeds & 5 debenture holders involved
  • Loan introduced by Intelligent Loans

Roma Finance acted quickly to help a borrower who found themselves in a difficult situation with time running out. Despite the case being a complex one, Roma Finance’s experience and expert knowledge of development and bridging finance meant that they were able to complete a complex case and provide funds in just 5 working days from the initial enquiry.

Having received the case from Intelligent Loans on the afternoon of Tuesday 3rd February, and discussing it with the broker, an Agreement in Principle was issued within the hour for a £429,000 first charge bridging loan.

The borrower accepted the in-principle terms on Wednesday 4th February and Roma’s solicitors were verbally instructed the same day.  The case would have completed even more quickly if the borrower would have instructed his own solicitor earlier than Friday 6th February!

As with all Roma Finance loans, a borrower meeting was held, and this was promptly arranged on site for Thursday afternoon 5th February. The site was as described a very well located plot in a much sought after part of Cheshire with planning for four houses. It was clear from the site visit that the site had excellent potential and the houses to be built would be highly desirable for families in the area.  Despite the threat of repossession of the site by another lender, Roma Finance could see the potential of it and having met the borrower had confidence in the case.

By 8am on Friday 6th February, the loan was approved on the terms of the original in-principle agreement and funds were transferred to Roma’s solicitor for completion on Tuesday 10th February.

Scott Marshall, Lending Director at Roma Finance said: “This was a complex case involving 2nd and 3rd charge holders and Letters of Non-Crystallisation from 5 other debenture holders. And, with the borrower facing repossession of the site, time was of the essence. Using our experience and judgement, we were also able to rely on an historic valuation and of course a site visit, which we do on all our loans to better understand the borrowers’ situation and bridging needs. It was very satisfying to complete such a complicated loan so quickly.

“Once again we worked closely with Intelligent Loans, one of our broker partners, and the good business relationship we enjoy helped to ensure the borrower got the funds required in time for them to refinance the other lender and able to move forward with their development project.”

Roma Finance joins the ASTL

Roma Finance, the Manchester-based bridging and development finance lender, has joined the ASTL (more…)

Roma Finance discovers Planning Discrepancy which saves Borrower’s £700k Property Renovation

  • Borrower needed funding to renovate a unique property
  • Roma Finance lent borrower over £200k to help complete the renovation
  • Funding also provided to property developer for refurbishment works and to pay off previous lender
  • Property will be worth £700k and finished to high specification
  • Roma Finance discovered a discrepancy in the planning permission missed by previous lenders which would have rendered the property unsaleable
  • Packager Intelligent Loans introduced the case


Roma Finance, the Manchester-based bridging finance lender, has successfully lent over £200,000 for a borrower to refinance and renovate a property in an historic and desirable village in Gloucestershire. The property is a 3 storey, 4 bedroomed house which had been in the same family for over a century. It was already worth over £400,000 in its dilapidated state, but will be worth around £700,000 when completed and prepared for market.

The case was presented to Roma Finance by the packager Intelligent Loans, and £320,000 was already owed to another lender. The £200,000 was used in part to pay off the other lender, and the borrower entered a JV with a reputable local property developer for the remaining funds to complete the building works. (more…)


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