Less risk, more reputation
At Roma we understand that commercial and semi-commercial bridging loans can be suddenly required for a variety of reasons. It’s a type of short-term finance that rarely falls into traditional lenders’ simple, ready-made categories.
Brownfield site? Business expansion or new start-up? You’ll find us refreshingly open-minded about the type of property involved, the reason for the loan, and the exit strategy.
We can consider a variety of property types, constructions, credit profiles, income and offer both first and second charge bridging loans, making us a lender less ordinary.
- Semi-commercial and commercial solutions
- Semi-commercial rates from 1.07% and commercial from 1.25%
- LTV up to 65% on commercial and 70% on semi-commercial
- Loans from £75,000 to £3 million
- Manual underwriting – every case and applicant considered individually
- Intelligent touch underwriting for quick decisions and completions
- Lending across England, Scotland and Wales
Got a question? We have answers.
Commercial bridge loans (also known as commercial mortgage bridge loans) are short-term commercial real estate loans that are used for the purchase of commercial properties when permanent financing is not an option. Their primary use is when a property needs significant renovation before it will qualify for permanent financing.
Commercial bridging, also known as a commercial bridge loan is lending on commercial property, such as offices, retail units or industrial premises. It can also be used by those who want to purchase or refinance larger or more complex residential properties.
Currently, all commercial bridging finance is non-regulated, meaning the FCA extends no protection or supervision to this area of the industry. If you’re securing a loan for an investment property, a commercial building, or for a buy-to-let it will not be regulated.
Six steps from enquiry
OOver many years of arranging bridging finance, the Roma team is continually refining the process to make it hassle-free and responsive. Above all to make it quick and slick, because property deadlines are tight deadlines.
It takes a team who love to lend to fast-track cases, twin-track the legals and the underwriting… do whatever it takes to drive the sale forward.
Yet no matter how rapidly we’re working, we always take the trouble to understand what makes each case different, and keep everyone informed at every stage.
Need to complete within 48 hours? We can run stages 2 – 5 simultaneously, and may even release funds to our solicitor before the due diligence process has been completed.
1. Initial enquiry
Call us on 0161 817 7480, email or complete the enquiry form and your loan is on its way.
2. Agreement in principle
The AIP accelerates the process by telling you exactly what we need before we can underwrite your loan, also providing Open Banking instructions.
3. Valuation instruction
We’ll get a third party valuation arranged ASAP, and get to the underwrite so we can confirm the terms in writing as quickly as possible.
4. Instruct solicitors
As soon as the terms have been accepted, we instruct our solicitor to send the legal papers to yours. This is even quicker when the case benefits from dual legal representation.
Funds are released, so nothing delays the deal.
6. Loan service
Your customer service representative will be in touch to explain what happens next and how to manage the loan through to redemption.
Just a few of our recent successes
Need something different?
View our full criteria guide to see if we can assist you with your upcoming bridging and development cases.
Bridging loans for standard residential properties. From £75,000 to £3 million with competitive rates and rapid, comprehensive response. Available across England, Scotland and Wales.
Auctions demand decisive action, and we're ready to arrange short-term finance in advance. Your customers can bid with confidence anywhere in England, Scotland and Wales.
Light, medium or heavy, refurbishment projects with financial solutions tailored for each application. Speed is often essential and our track record proves we deliver.
Refurbishment, part-built or newbuild, we have the funding available to get that residential project off the ground, with open-minded flexible decision making.
For the ‘Borrower First’ experience. Because every application is different.
At Roma Finance we understand that every property transaction is unique. That’s why we put flexibility and service at the forefront of everything we do. Tell us what kind of finance you need and we’ll find a way to make it happen.
- Fast: most bridging cases completed within 28 days
- Flexible: lending for every property type
- Simple: we have reinvented and streamlined the legal and underwriting process
- Trusted: we value integrity, and customers keep coming back
Our intermediary team
is ready when you are
Simply select your region and you’ll meet the vastly experienced experts whose job it is to make your job easier.
- North of England & Scotland
- North West & North Wales
- South West & South Wales
- South East