What Roma Finance does

Roma Finance (legal entity Romaco Limited) is a UK specialist property lender founded in 2010 by Scott Marshall and headquartered in Manchester. The company operates across the full property-investor lifecycle through three core product lines: RomaFLOW for fast bridging, auction, and time-sensitive acquisitions; RomaGROW for heavy refurbishment and ground-up development finance; and RomaPRO for specialist buy-to-let including HMOs, MUFBs, holiday lets and serviced accommodation. Supplementary products include Refurb BTL, a Revolving Credit Facility, Scottish BTL, and a new long-term mortgage proposition enabled by a forward flow agreement with J.P. Morgan signed in June 2026.

Underlying the lending suite is a proprietary technology stack centred on the FLOW streamlined underwriting process — delivering 80% of bridging completions within 28 days and a record of 5.5 hours — and DeskVal, an AI-powered, PI-insured automated valuation model integrated into underwriting decisions. The business is capitalised through ten funding lines spanning institutional banks and building societies, with loan portfolios housed across ten Romaco SPV subsidiaries; the consolidated loan book reached £250M by October 2025.

Roma generates revenue primarily through interest income on bridging, development and BTL loans (ticket sizes from £75,000 to £3 million) supplemented by arrangement fees on origination. Distribution is exclusively intermediated: the company does not serve end borrowers directly but rather works through a network of commercial finance brokers, mortgage intermediaries and property professionals, anchored by partnerships with buying groups such as LNPG (5,500+ landlord members), Synergy Commercial Finance, Mortgage Lane, and Cator Wells. The firm employed approximately 100 people as of mid-2026 and was recognised as Lender of the Year 2025 at the National Property Awards.

Name

Roma Finance

Legal name

Romaco Limited

Website

https://romafinance.co.uk

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Roma Finance is a UK specialist property lender offering bridging, development, and buy-to-let finance to property investors and developers, distributed exclusively through intermediary brokers and backed by a £250M loan book.

Ownership category

akta.pro rank

Product category

Specialist Property Lending

NAICS

Finance and Insurance (52)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Bridging finance
• Development finance
• Buy-to-let lending
• Specialist property lending
• Short-term property loans

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Bridging Loan Interest: Short-term property loans typically 12 months term generating interest income. Loans range from £75,000 to £3 million. Interest is charged on the loan amount for the duration of the term.
2. Development Finance Interest: Development loans for ground-up residential and commercial development projects. Covers heavy refurbishment and development from ground up to developer exit. Up to £3 million loan amounts.
3. Buy-to-Let Mortgage Interest: Longer-term mortgage products for professional landlords and property investors including BTL, HMOs, MUFBs, holiday lets, and serviced accommodation. Up to 75% LTV, terms up to 40 years.
4. Refurbishment Finance Interest: Loans for property refurbishment projects including light, medium, and heavy refurbishment. Supports BRR, BRRR, and refurb-to-let strategies.
5. Arrangement Fees: Arrangement fees charged on loan origination, typically a percentage of the loan amount.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Roma Finance is a UK specialist property lender offering bridging finance (RomaFLOW), development finance (RomaGROW), and buy-to-let mortgages (RomaPRO) ranging from £75,000 to £3 million. The company serves property investors, developers, and professional landlords through a network of intermediary brokers, using borrower-first underwriting that prioritises borrower capability and exit strategy over pure property valuation. Loan book stood at £250 million as of October 2025, supported by ten funding lines including institutionalised banks and a forward flow agreement with J.P. Morgan.

Product overview

Roma Finance offers a flexible range of property lending solutions organized into three core product lines: RomaFLOW (fast bridging for standard bridging, light refurbishment, conversion, auction and below-market-value purchases), RomaGROW (development finance for heavy refurbishment and ground-up development), and RomaPRO (specialist buy-to-let including holiday lets, serviced accommodation, HMOs and MUFBs). The company also provides supplementary products including Refurb Buy-to-Let (combining refurbishment and BTL), Scottish BTL products, long-term mortgages via J.P. Morgan partnership, commercial mortgages, and a Revolving Credit Facility. Technology offerings include DeskVal, an AI-powered valuation tool. All products are available for residential, semi-commercial, and commercial properties as well as land.

Differentiator

Problem solved

Functional benefit

Brands

• RomaFLOW: Fast bridging channel for minimal hassle and quick completions, including standard bridging, light refurbishment, conversion, renovation, auction and below market value purchases.
• RomaGROW
• RomaPRO
• DeskVal
• RomaPod

Products and services

• RomaFLOW Bridging Finance Short-term bridging finance product designed for minimal hassle and quick completions. Covers standard bridging, light refurbishment, conversion, renovation, auction purchases, and below-market-value property acquisitions for property investors and developers in the UK.
• RomaGROW Development Finance Development finance product covering heavy refurbishment and development from ground-up to developer exit. Supports complex development projects including ground-up residential developments and commercial-to-residential conversions. Loan amounts up to £3 million.
• RomaPRO Buy-to-Let
• Refurb Buy-to-Let (Refurb BTL)
• Scottish Buy-to-Let
• Long-term Buy-to-Let Mortgage
• Commercial and Semi-Commercial Mortgage
• Revolving Credit Facility (RCF)
• DeskVal AI Valuation Tool

Quantifiable outcome

• 80% of bridging completions within 28 days
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Refurb CalculatorcoreGTM or Marketing Partner · 1 December 2025Roma confirmed as finance partner for national rollout of data-driven refurbishment costing platform. Platform generates detailed refurbishment budgets using live UK procurement rates. Partnership strengthens funding applications with costed schedules.
• Rise Up DevelopmentcoreStrategic or Co-development Partner · 1 November 2025Official lending partner for property development education programme helping UK contractors transition into development. Roma provides insight on development funding, deal structuring, and lender engagement.
• DeskVal (Deskval.ai)coreTechnology or Integration · 1 August 2025Partnership for AI-powered automated valuation model (AVM) delivering speed, accuracy, and PI-backed valuations for residential properties. Combines advanced AI technology with real-time market data for street-level accuracy.
• The Property MentorsminorGTM or Marketing PartnerUK-based TV and mentorship platform designed to elevate aspiring property investors and developers. Led by Martin Roberts and Nicholas Wallwork. Roma provides sponsorship support.
• Property ElevatorcoreGTM or Marketing PartnerHit Sky TV show where property entrepreneurs pitch for funding. Managing Director Scott Marshall features on panel as The Lender. Roma is main sponsor of the show.
• Property Developer ShowcoreGTM or Marketing PartnerExhibition dedicated to British property developer market. Roma is a proud partner, attending events across UK (Bristol, London, Southampton, Birmingham, Manchester, Leeds) to connect with developers.
• NACFB Commercial Finance ExpocoreGTM or Marketing PartnerUK's largest intermediary-led trade show for brokers, lenders and service providers. Roma attends annually to build relationships with thousands of brokers.
• LNPG (Landlords National Purchasing Group)coreChannel Partner/ Reseller/ DistributorLargest buying group for private landlords in UK with over 5,500 members. Roma is bridging, development and buy-to-let finance partner, providing lending solutions to LNPG members.
• Hard Hats to HeelsminorGTM or Marketing PartnerAward-winning networking community for women in property, construction and business. Roma is a flagship and national sponsor. Community operates across 15 UK locations.
• iLA (Independent Legal Advice)coreImplementation/ SI/ Consulting PartnerUK's only law firm specialising exclusively in property and finance independent legal advice. Roma customers receive 10% discount on iLA services through dedicated booking platform.
• TitansminorGTM or Marketing PartnerMonthly property networking event bringing together experienced developers, investors, and business owners. Relationship Manager Claudine Reynolds attends monthly events.
• Blue Bricks MagazineminorGTM or Marketing PartnerProperty investment magazine trusted by more than 10,000 readers providing inspiration, information, news and market analysis. Roma partnered for brand visibility.
• Synergy Commercial FinancecoreChannel Partner/ Reseller/ DistributorKey intermediary partner introducing borrowers for HMO conversions, refurbishment projects, and other specialist finance cases.
• Mortgage LanecoreChannel Partner/ Reseller/ DistributorBroker who introduced borrower for £1.5 million Bristol auction purchase. Worked alongside Roma to deliver time-sensitive funding.

Scale indicators6 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Market Financial Solutions: UK specialist bridging and development finance lender operating through intermediary channels. Comparable in product focus on time-sensitive property finance and speed-of-execution value proposition.
• Together Money: UK specialist lender offering bridging, development, and BTL mortgages with a focus on complex borrower scenarios. Comparable in product range, manual underwriting philosophy, and intermediary-led distribution across the UK.
• LendInvest: UK specialist property finance platform offering bridging, development, and BTL mortgages via a broker network. Closely comparable in target market, technology-driven underwriting, and intermediary distribution model.
• United Trust Bank: UK challenger bank with a specialist property division offering bridging, development, and BTL mortgages. Comparable in product mix, intermediary-led GTM, and target customer segments.
• Shawbrook Bank: UK challenger bank offering specialist property finance including bridging, development, and BTL mortgages through intermediary channels. Directly comparable product suite, distribution model (broker-led), and target customer base (property investors and developers).
• Fleet Mortgages: UK specialist BTL mortgage lender focused on professional landlords, portfolio cases, and HMOs. Comparable in targeting experienced property investors through intermediary distribution.
• Pepper Money (UK): UK specialist lender offering BTL, bridging, and development finance products. Comparable in serving non-bank property investor segments through intermediary channels with flexible underwriting.
• HTB (Hampshire Trust Bank): UK specialist bank offering bridging, development, and BTL mortgages via intermediary networks. Comparable in specialist property lending focus and broker distribution model.
• Precise Mortgages: UK specialist mortgage lender providing BTL, bridging, and development finance for property investors. Comparable in target customer (professional landlords and developers) and product specialism around property-backed lending.

Broad incumbents

• Aldermore Bank: UK challenger bank offering BTL, bridging, and development finance among a broader commercial banking portfolio. Larger balance sheet and broader product suite than Roma but overlapping specialist property lending proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC0VVZ9sTeYSOc9r32Ni_l-A
• Facebookfacebook.com/romafinance20
• LinkedInlinkedin.com/company/roma-finance
• Instagraminstagram.com/roma.finance
• TikToktiktok.com/@romafinance
• Xx.com/Roma_Finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries10 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Roma Finance