Roman Capital

What Roman Capital does

Roman Capital (legal entity Roman Cap Ltd, company number 14259697) is a privately held, unregulated UK lender that provides mezzanine finance, bridging and equitable charge loans, and joint-venture equity to experienced residential-led property developers throughout the UK and Europe. The firm is co-founded and led by Andrew Caracciolo, whose background is in property development and distressed assets, and Matthew Archer, who previously brokered loans for property developers and high-net-worth individuals through Tapton Capital; together they underwrite deals and maintain the firm's network of vetted developers and asset managers.

The company's core revenue mechanics are transaction-fee in nature: interest income on mezzanine and bridging loans, monthly or rolled-up interest on short-term facilities, fees and interest on equitable charge financing, and profit-sharing on JV equity co-investments. Roman Capital distributes opportunities through a registration-gated proprietary web portal at romancap.co.uk, restricting financial promotions under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 to High Net Worth, Certified Sophisticated, and Self-Certified Sophisticated Investors. Acquisition channels are direct and relationship-driven — website, phone, WhatsApp, and email — with no public pricing, fee schedule, or loan-book disclosure.

Underlying technology is minimal: a web-based investor portal with account management, no mobile app, no public API, and no disclosed AI/ML capabilities. The operating footprint consists of a Knightsbridge headquarters, a Cuffley registered office, and a Cheshunt contact address, and the firm reports no subsidiaries, no external institutional investors, and no parent company.

Name

Roman Capital

Legal name

Roman Cap Ltd

Website

https://romancap.co.uk

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Roman Capital is a UK-based unregulated lender that provides mezzanine finance, bridging and equitable charge loans, and joint-venture equity to residential property developers, sourcing capital from FCA-eligible high-net-worth and sophisticated investors via a gated online portal.

Ownership category

akta.pro rank

Product category

Development Finance

NAICS

Other Investment Pools and Funds (5259), Other Financial Investment Activities (5239)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Development finance
• Mezzanine lending
• Bridging loans
• Joint venture equity
• Real estate lending

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mezzanine Finance Interest: Interest income generated from mezzanine financing provided to residential development projects throughout the UK. Borrowers pay interest on the borrowed capital, which serves as the primary revenue stream for the lending operation.
2. Joint Venture Equity Profit Sharing: Roman Capital co-invests as an equity partner in property development projects and shares in the project's profits upon completion and disposal. This aligns the company's financial returns with project success.
3. Bridging Loan Interest: Short-term bridging loans with interest paid monthly or rolled up at loan maturity. These loans provide rapid capital access for property acquisitions, renovations, or refinancing needs.
4. Equitable Charge Fees: Fees and interest associated with equitable charge financing, which enhance borrowing capacity for property developers without requiring traditional bank financing.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Roman Capital provides alternative development finance — mezzanine loans, bridging and equitable charge loans, and joint venture equity — to residential-led property developers across the UK. The firm is an unregulated lender that pools capital from verified sophisticated and high-net-worth individual investors to fund these bespoke property development projects, retaining active management from deal sourcing through redemption.

Product overview

Roman Capital operates as a financial services platform offering three interconnected lending products for UK property developers. The core offering consists of Mezzanine Finance (bridging traditional bank loans and equity), Bridging & Equitable Charge Loans (short-term acquisition/refinance capital), and Joint Venture Equity (co-investment partnerships). These products serve experienced property developers seeking alternative financing beyond traditional bank lending, with the company acting as an unregulated lender serving sophisticated investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Mezzanine Finance A specialised form of financing that bridges the gap between traditional bank loans and equity investment, allowing borrowers to maximise leverage without significantly diluting ownership stake for larger property development projects.
• Bridging & Equitable Charge Loans Short-term financing solutions providing quick access to capital for acquisition or refinance needs, including bridging loans with rapid approval and equitable charges for enhanced borrowing capacity.
• Joint Venture Equity Strategic partnership financing where Roman Capital co-invests as a partner, sharing risks and rewards while providing capital infusion, expertise, and profit-sharing aligned with the borrower's development expertise.

Segments2 records

Ideal customer profiles2 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 highlights3 records

Direct peers

• Together Money: Together is a specialist UK lender providing bridging, development, second-charge, and owner-occupier finance funded by retail and institutional savings. It is a direct comparable for Roman Capital's unregulated, multi-product UK property lending model.
• Copper Street Capital: Copper Street Capital is a specialist real estate lender focused on UK bridging and development finance for small-to-mid-sized developers. It is comparable to Roman Capital in scale, borrower profile, and product mix.
• MT Finance: MT Finance is a specialist UK bridging and development finance lender, offering short-term property loans to experienced developers and investors. It competes head-to-head with Roman Capital in the unregulated / non-bank development finance segment.
• Maslow Capital: Maslow Capital is a UK specialist real estate bridging and development lender backed by institutional capital. It targets experienced developers on similar transaction sizes and structures to Roman Capital, competing for the same developer borrower base.
• LendInvest: LendInvest is a UK digital platform providing bridging, development, and buy-to-let finance to property professionals, funded by retail and institutional investors. It is the closest analogue to Roman Capital in terms of combining an investor-facing platform with specialist UK property lending products.
• ASK Partners: ASK Partners provides senior debt, mezzanine, and equity capital to UK property developers and investors, sourced from private client wealth. Its mezzanine and JV-equity orientation makes it a particularly close peer to Roman Capital's higher-yield products.
• West One Loans: West One Loans is a UK specialist lender focused on bridging and development finance for property professionals, distributing through broker networks. Its product mix (bridging, development exits, second charge) overlaps directly with Roman Capital's core offerings.

Broad incumbents

• Octopus Property: Octopus Property is the specialist property finance arm of the Octopus Group, providing development, bridging and term finance to UK property professionals. Its broader institutional backing positions it as a larger incumbent overlapping with Roman Capital's product set.
• Shawbrook Bank: Shawbrook is a UK challenger bank offering specialist property finance including bridging, development, and buy-to-let, funded by retail and wholesale deposits. As a much larger, regulated incumbent it competes broadly with Roman Capital for UK developer relationships and investor capital.
• Paragon Bank: Paragon is a UK specialist lender with deep property finance franchises across buy-to-let, bridging, and development. Its regulated status and scale make it a broad incumbent competing with Roman Capital for the same end-borrower and investor pools.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Roman Capital