RomaFLOW

Rapid bridging finance powered by partnerships

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Ultra-fast bridging finance for quick completions

RomaFLOW is an ultra-fast fast, streamlined bridging‑finance process, with 80% of cases completing within 28 days. Supported by a dedicated underwriting team, it offers a quick, hassle‑free route for borrowers who need to purchase property at speed or complete light refurbishment works with confidence.

The products included within RomaFLOW are FLOW Bridge, FLOW Refurb, auction finance and below market value (BMV).

Our standard bridging range also includes commercial, semi‑commercial and development exit loans, providing flexible short‑term finance across a wide variety of property types.

Loans from £75,000 – £3 million in England, Scotland and Wales

Competitive rates

Up to 75% LTV

Terms up to 24 months

Intelligent touch underwriting; every case is considered on its merits

Quick decisions, speedy completions

Clear communication throughout the life of the loan process

Introducing...

Got a question? We have the answers

What is a bridging loan?
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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.

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