FUNDING AT SPEED: HOW ROMA FINANCE’S NEW REVOLVING CREDIT FACILITY IS EMPOWERING AUCTION BUYERS
By Michael Allison, Commercial Director at Roma Finance
In today’s fast-paced property market, speed isn’t just an advantage — it’s a necessity. Nowhere is this more evident than at auction, where the ability to move quickly can mean the difference between winning a deal or missing out entirely. That’s why Roma Finance has introduced its new RomaPRO Revolving Credit Facility (RCF) — a dynamic funding solution built specifically for investors who need to act fast, stay flexible, and keep their portfolios growing without delay.
A Smarter Way to Fund Auction Buys
The inaugural RCF was provided to an experienced landlord with a proven track record in acquiring and refurbishing auction properties. With a property portfolio of five assets valued at £1.8 million — four of which are fully let — the customer was looking for a smarter, more agile way to fund future acquisitions.
The solution? A £319,500 facility secured against two of their existing properties, giving them immediate access to funds over a 36-month term. With drawdowns available in as little as 48 hours, the customer now has the flexibility to purchase auction properties across the UK without the delays and paperwork typically involved in refinancing or arranging fresh finance each time.
Funding That Moves as Fast as the Market
Traditional finance routes can be too rigid and slow for active investors — especially those working within the high-pressure, time-sensitive world of property auctions. Roma’s RCF addresses these challenges head-on, allowing approved borrowers to draw down funds as and when needed, rather than applying for a new facility each time an opportunity arises.
As Shane Francis, the Roma Finance underwriter who managed the deal, explains: “As Roma’s first RCF case, it was exciting to navigate the new criteria and systems. In this particular case, the RCF structure is a perfect fit for the borrower, offering the flexibility and speed needed to capitalise on investment opportunities without hesitation.”
And capitalise they did — with two drawdowns already made from the facility to fund successful auction purchases of a former art gallery in St Ives, Cornwall and a commercial property in Cardiff.
Built for Portfolio Landlords
While bridging loans and short-term finance still have their place, the RomaPRO RCF is specifically designed for professional landlords and developers looking to scale their portfolios efficiently. The key benefits include:
Speed: Drawdowns can be made in as little as 48 hours, enabling swift action in time-critical scenarios.
Flexibility: Borrowers can access funds as needed, using the facility to fund multiple projects under one agreement.
Certainty: With the facility pre-agreed and secured, there’s no need for repetitive underwriting or credit assessments.
Cost-efficiency: Interest is only paid on the funds drawn, keeping costs aligned with actual usage.
Empowering Investors
This case is just the first of many Roma expects to fund under its new Revolving Credit Facility model. It’s a clear demonstration of how tailored financial solutions can empower investors to grow with confidence and agility, even in a competitive and often unpredictable market.
For auction buyers and portfolio landlords alike, the message is clear: when opportunity knocks, speed is everything — and Roma’s RCF ensures that funding doesn’t stand in the way.
ENDS
