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"I remember turning around to my wife Louise, and saying, don't I do not know what's coming next. But all I can tell you is that I feel like a weight has been lifted off my shoulders and this is the best thing that's ever happened."
Scott Marshall's journey from engineering failure to building Roma Finance demonstrates that success often comes through embracing failure rather than avoiding it. Having been sacked four times, made redundant five times, and watched his family's 53-year engineering business collapse, Scott understood that putting customers first - not assets - was the key to revolutionary lending.
The transformation from "property pawnbroking" (where only asset values mattered) to relationship-based lending where good borrowers can create value from bad assets, whilst bad borrowers destroy value in perfect assets. This customer-first philosophy, combined with the mantra that "borrowers pay our wages," created a lending business that genuinely loves to lend.

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