Important: IMPORTANT: This page is for general information purposes only and does not constitute a financial promotion, investment advice, or an offer to invest. All lending involves risk. Property values can fall, development projects can be delayed, borrowers may default, and enforcement can take time. You could lose some or all of your capital. This page requires legal and financial-promotion review before publication.
Lend to Us
Asset-Backed Lending Opportunities.
Roffa offers individuals and entities the opportunity to participate in property development lending secured by a first legal charge. This page provides general information only and is not personal financial, legal or tax advice.
The Process
How It Works
Roffa lends to property developers on a first-charge secured basis. Individuals and entities who lend to Roffa provide the capital that funds these loans.
Expression of Interest
Register your interest using the form below. We will be in touch to discuss the opportunity in more detail.
Discussion & Documentation
We will explain the terms, risks and structure in full. You should take independent legal and financial advice before proceeding.
Security & Drawdown
Funds are deployed into specific development loans, each secured by a first legal charge over the development site.
Repayment
Capital and any agreed return are repaid on completion of the development loan, typically when the borrower refinances or sells.
Security
First-Charge Security
Each loan made by Roffa is secured by a first legal charge over the development property. This means that in the event of a borrower default, Roffa has the right to enforce its security and seek to recover the outstanding debt from the proceeds of sale.
First-charge security does not guarantee recovery of capital. Property values can fall below the loan amount, enforcement can be costly and time-consuming, and there is no guarantee that proceeds will be sufficient to repay lenders in full.
Key Risks
Key Risks
Capital at risk
You could lose some or all of the capital you lend. This is not a bank deposit and is not covered by the Financial Services Compensation Scheme.
Illiquidity
Lending is tied to the term of the underlying development loan. You may not be able to withdraw your capital early.
Development risk
Construction projects can be delayed, go over budget or fail to complete. This may affect the borrower's ability to repay.
Property value risk
Property values can fall. If a borrower defaults and the property is sold, proceeds may be insufficient to repay the full loan.
Enforcement risk
Enforcing security against a defaulting borrower can be a lengthy and costly process with no guaranteed outcome.
Register Interest
Expression of Interest
If you would like to learn more about lending opportunities with Roffa, complete the form below. This is an expression of interest only — not a commitment to lend.
FAQ