SAROMA LTD

What SAROMA LTD does

Saroma Ltd is a UK-based specialist commercial finance brokerage focused exclusively on healthcare professionals. Operating as an Appointed Representative of Medifinance Ltd (FCA FRN 675486), the firm arranges commercial finance for dentists, veterinarians, pharmacists, medical professionals/GPs, and chiropractors seeking to set up, purchase, expand, or refinance healthcare practices. The service portfolio spans practice setup loans, practice purchase loans, freehold property purchase (up to 100% LTV), buy-in/partnership loans, practice expansion financing, second charge lending, tax loans, bridging finance, equipment financing, and refinancing services.

The firm's competitive positioning rests on the deep sector expertise of its two principals: Managing Director Kevin Saunders (26+ years at a leading UK healthcare finance lender, 10 years as specialist healthcare manager) and Director Dan Fearon (20 years at Royal Bank of Scotland as Senior Relationship Manager specialising in healthcare). Saroma packages applications in formats that satisfy specialist healthcare lenders, manages the process from initial consultation through loan drawdown, and provides ongoing aftercare.

Saroma operates as a direct, sales-led brokerage with no intermediaries, no technology platform, and no disclosed pricing. The firm generates revenue through arrangement fees and commissions from specialist lenders on successfully arranged facilities. Distribution is UK-only and delivered through the two principals, supplemented by content marketing via the company website and case studies. There are no funding rounds, no external investors, no subsidiaries, and no disclosed revenue figures.

Name

SAROMA LTD

Legal name

Saroma Ltd

Website

https://saroma.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Saroma Ltd is a UK specialist commercial finance brokerage that arranges practice setup, purchase, expansion, and refinancing loans for healthcare professionals — including dentists, veterinarians, pharmacists, medical professionals, and chiropractors — operating as an Appointed Representative of Medifinance Ltd.

Ownership category

akta.pro rank

Headquarters

HQ city

London

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, Others

Revenue model

1. Commercial Finance Brokerage: Saroma acts as an intermediary between healthcare professionals seeking commercial finance and specialist lenders. They earn revenue through arrangement fees and commissions from lenders for successfully arranged finance facilities. Services include practice setup loans, practice purchase loans, freehold property purchase, buy-in loans, practice expansion, second charge lending, and tax loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Saroma is a UK specialist commercial finance brokerage that arranges loans and commercial mortgages for healthcare professionals (dentists, vets, pharmacists, GPs/medical professionals and chiropractors) to set up, purchase, expand or refinance healthcare practices. Acting as intermediary between healthcare borrowers and specialist lenders, the firm prepares cash-flow forecasts and applications, manages the process through to drawdown, and provides aftercare support, earning revenue via lender commissions and arrangement fees.

Product overview

SAROMA LTD is a specialist commercial finance brokerage for healthcare professionals, offering a comprehensive suite of financing solutions for dental practices, veterinary practices, medical practices, pharmacies, and chiropractic clinics. The core service portfolio includes practice setup loans, practice purchase loans, freehold property purchase financing, buy-in/partnership loans, practice expansion and refurbishment financing, second charge lending, tax loans, bridging finance, equipment financing, and refinancing services. The company operates as an Appointed Representative of Medifinance Ltd and leverages extensive relationships with specialist healthcare lenders to arrange bespoke commercial finance. The offering is structured as a direct brokerage service rather than a technology product, providing one-to-one assistance through the entire finance application process from initial consultation through loan drawdown.

Differentiator

Problem solved

Functional benefit

Products and services

• Practice Setup Loans Specialist finance solutions for healthcare professionals starting a new practice from scratch, including market research guidance, cost analysis and financial forecasting support; targeted at first-time healthcare practice buyers.
• Practice Purchase Loans Finance solutions for healthcare professionals buying established practices across dental, veterinary, medical, pharmacy and chiropractic sectors, including goodwill valuation support and lender-side packaging.
• Freehold Property Purchase Commercial mortgage solutions for healthcare professionals to purchase practice premises outright, with specialist lenders offering up to 100% financing on freehold property.
• Buy-in Loans Finance solutions for healthcare professionals buying into existing practices as partners, including GP partnership buy-ins, structured against the practice freehold where relevant.
• Practice Expansion Financing Finance solutions for expanding existing healthcare businesses, covering standalone refurbishment, additional surgeries and practice relocation.
• Second Charge Lending Secondary financing options secured against practice assets for additional capital requirements beyond primary lending.
• Tax Loans Business loans that enable healthcare professionals to spread tax liabilities over 12 months, protecting cash flow and avoiding lump sum payments.
• Bridging Finance Short-term bridging loans for healthcare professionals to secure property quickly while awaiting planning approvals or long-term financing arrangements.
• Medical Equipment Financing Specialist finance for purchasing or updating medical and dental equipment, with bespoke terms from specialist lenders.
• Refinancing Services Review and restructuring of existing healthcare practice finance to improve cash flow, reduce interest costs and extend repayment terms.

Quantifiable outcome

• Reduced monthly finance costs from £11,000 to £4,500 for a dental practice client through restructuring short-term finance into 15-year term facilities
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights2 records

Direct peers

• Syscap: UK specialist finance broker for SMEs including healthcare professionals, arranging asset finance, practice loans, and commercial mortgages. Directly comparable business model (brokerage) in overlapping healthcare segments.
• Braemar Finance: UK specialist asset and equipment finance provider, including a healthcare practice offering. Comparable to Saroma's equipment and practice expansion financing, though Braemar is broader across sectors and often lends on its own balance sheet.
• Practice Capital: UK specialist broker arranging finance for healthcare professionals to buy, set up, and expand practices. Directly competes with Saroma in the same verticals (dental, medical, veterinary, pharmacy) with a similar brokerage model and lender panel.
• PSD Healthcare Finance: Specialist healthcare finance provider offering practice purchase, setup, and expansion loans to dentists, vets, pharmacists, and doctors. Comparable to Saroma in vertical focus and product suite, though operates more as a principal lender than a pure broker.
• Medifinance Ltd: UK specialist healthcare finance broker and Saroma's Appointed Representative principal. Operates in the same niche, serving the same healthcare professional segments with the same commercial finance products, and is the most directly comparable specialist in the same vertical.

Emerging players

• Funding Circle UK: UK fintech platform providing working capital and business loans to SMEs, including healthcare practices. Comparable as a commercial finance intermediary for healthcare SMBs, but uses a digital marketplace model rather than a specialist broker approach.
• Henry Schein UK Financial Services: UK arm of a major dental supplies distributor offering finance to dental practice buyers. Comparable in the dental-vertical financing niche, but targets specifically dental customers and is bundled with supplies relationships.

Broad incumbents

• Bibby Financial Services: Large UK commercial finance provider offering invoice finance, asset finance, and business loans across sectors including healthcare. Comparable to Saroma's commercial finance brokerage service but as a broader, larger incumbent.
• Aldermore Bank: UK challenger bank offering commercial mortgages, asset finance, and SME lending including healthcare practices. Comparable as a specialist healthcare lender that Saroma's clients are matched to, representing a downstream partner/competitor dynamic.
• HSBC UK SME Banking: Major UK commercial bank offering practice finance, commercial mortgages, and SME lending to healthcare professionals. Comparable as a mainstream lender whose refusals create the inbound demand for Saroma's specialist brokerage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/saroma-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 SAROMA LTD