ROMA FINANCE COMPLETES £1.1M COMMERCIAL BRIDGE IN JUST SEVEN DAYS

01 September 2026

Roma Finance has completed a £1.1m commercial bridge in just seven days for Hatters Square Limited, demonstrating the speed and flexibility of its expanding commercial lending capabilities.

The £1.1m facility was provided at 55% loan-to-value (LTV) against the property's £2m market value over a six-month term. The facility was delivered through Roma's FLOW commercial bridging proposition, with the lender's commercial mortgage team also involved in assessing the potential longer-term exit.

Hatters Square Limited, a property holding company co-owned by experienced property professional and broker Michael Street and Josh Berry, a prolific property developer who has successfully completed more than £4 million worth of property developments over the past decade. The pair acquired the commercial premises on Market Street in Denton in 2024, which is now currently being used as a food and drinks hall by existing tenants.

The new funding enabled Hatters Square Limited to repay its existing lender, while providing time to establish a stronger trading track record for the property and complete the valuation required for its longer-term funding plans.

Subject to the property meeting the relevant criteria, Hatters Square Limited has the potential to transition to longer-term finance with Roma. This gives the borrower a clear funding pathway beyond the immediate bridge, with the potential to continue its relationship with the same lender as its requirements evolve.

Michael Allison, Commercial Director at Roma Finance, said:

“This is a fantastic result for our commercial team and a real reflection of how much our commercial proposition has developed. We have a team with significant experience across commercial property finance, and that allows us to look beyond the immediate funding requirement and understand what the customer is ultimately trying to achieve.

“With commercial bridging, development finance and now our commercial mortgages sitting under the same umbrella, we're in a much stronger position to support customers at different stages of their property journey. That's something we're really excited about.

“What's particularly pleasing here is the opportunity to build on an existing relationship. The bridge meets the customer's immediate requirements, but there is a clear longer-term opportunity for us to continue working with them. For us, that's what good relationship-led lending should look like.”

Michael Street, co-owner of Hatters Square Limited, said:

“This transaction came together exactly as we had hoped; with speed, clarity, and a lender who understood the opportunity from day one. As borrowers, we had a clear strategy for the building, but needed a lender that could move quickly and understood the commercial fundamentals of the deal.

“Roma was able to take a pragmatic approach, understand our respective experiences and delivered the funding in just seven days. That speed made a real difference, and the flexibility of the facility gives us the time we need to build the financial trading data and move towards longer-term funding plans.”

This completion follows the launch of Roma Finance's new commercial mortgage offering, which forms part of the lender's expansion into longer-term commercial property finance. With its existing bridging and development finance capabilities, the proposition gives Roma the ability to support customers as their funding requirements evolve – from their initial short-term funding requirement through to a potential longer-term finance solution.

This approach creates greater continuity throughout the funding journey, giving borrowers the potential to remain with the same lender as their needs develop and enabling brokers to continue supporting their clients from one stage to the next. It also gives Roma the opportunity to build longer-term relationships by supporting customers beyond their initial funding requirement.

Roma’s commercial mortgages offer funding of up to £2m and lending of up to 70% LTV, with fixed-rate and longer-term funding options available.