Flexible funding for fast-moving property opportunities
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Our Revolving Credit Facility (RCF) is a versatile product designed for property traders, entrepreneurs and investors.
It’s a lending facility that can be secured against an existing property portfolio, allowing an investor to hunt for properties and gain fast, ongoing and convenient access to funds when it’s required for time-sensitive purchases.
Funding in 48 hours
No minimum drawdown
For residential, commercial and semi-commercial properties
Loans from £250,000 – £2.5 million
Up to 65% LTV
Competitive rates
Looking to move to the next stage of the property journey? Discover RomaGROW and RomaPRO
These types of loans are also called bridge financing or a bridge loan. A bridging loan is short-term financing used until a person or company secures permanent financing or removes an existing obligation. Bridge loans are short term, typically up to one or two years. These types of loans are generally used in real estate
Roma considers bridging finance from £75,000 up to £3 million although larger loans can be considered by referral.
A bridging loan can be used for almost any purpose such as:
Purchases from auction – with fast completion in the required time frame
Planning gain / change of use – to maximise property value and income
Chain breaking mortgage – to enable a borrower to progress a purchase before completing a sale on their existing property
Releasing cash from probate on an inherited property – so that the property can be sold
Refurbishment finance – to maximise rental income
Purchase at undervalue – letting a borrower capitalise on a one-off opportunity
In most circumstances an exit strategy will be required to ensure there is security on how the finance will be repaid. Exit routes are usually the sale of the property that the loan has been secured against or refinance via another form of finance.
At Roma, all our loans are manually underwritten with a focus on the borrower instead of the property. There is a focus on the strength and capability of the borrower and their exit strategy In order to pay off the loan.
Yes – we provide bridging loans for semi‑commercial and commercial properties across the UK. This includes mixed‑use buildings, retail units with residential uppers, offices, warehouses, industrial units and vacant commercial premises. Our semi‑commercial and commercial bridging solutions support fast purchases, refinancing, refurbishment, change of use and short‑term funding needs for both investors and business owners.
