The asset
Property type, market, condition, basis, and the value expected after the plan is complete.
RAMM / PRIVATE CAPITAL
Private capital for
Direct Lending + Capital-Market Solutions
Private capital for
real estate investors,
builders & developers.
Ramm Financial provides direct lending and capital-market solutions across fix and flip, ground-up construction, DSCR rental, bridge, commercial real estate, and select business-financing opportunities.
Business-purpose financing. Nationwide program availability varies by transaction.
Start Here
Choose the right next step.
No catch-all form. Start with the path that matches what you need today.
01
Submit a DealShare the property, project, borrower profile, and financing request for review.
02
Request a Time to SpeakStart with a financing conversation when you are not ready to submit the full deal.
03
Get a Pre-Approval LetterProvide three stated figures and upload your current complete credit-report PDF.
Loan Programs
Choose the financing program that fits the transaction
Compare standard financing categories for acquisition, renovation, ground-up construction, bridge, rental, commercial real estate, and business funding.
Each program links to its complete terms, qualification notes, and deal-specific intake.
01
Fix & Flip
Bridge the purchase and improvement plan, then sell or refinance.
02Ground-Up Construction
Finance land and vertical costs for residential, multifamily, and mixed-use development.
03Bridge Lending
Short-term financing for lease-up, repositioning, seasoning, or a planned permanent exit.
04DSCR Rental
Match long-term rental debt to the property’s cash flow and operating profile.
05Business Funding
Explore working capital, expansion, acquisition, and revolving-credit options.
Capital Matrix
The complete platform, in one view
Program maximums are orientation points—not quotes. Open any row for the full parameters, qualification notes, and deal intake.
| Program | Use case | Amount | Term | Leverage | |
|---|---|---|---|---|---|
| Fix & Flip | Acquisition + renovation | Up to $5M | 12–24 months | Up to 95% | View details → |
| Ground-Up Construction | Ground-up construction | Up to $5M (residential) | 12–24 months, extension options available | Up to 95% | View details → |
| Small-Balance Multifamily & Mixed-Use Construction | Multifamily construction | $1M–$5M | 12–24 months | Up to 95% | View details → |
| DSCR Rental | Long-term rental | Up to $5M | 30-year fixed / ARM | Up to 80% | View details → |
| Bridge Lending | Bridge + stabilization | Up to $5M | 6–24 months | Up to 75% | View details → |
| Commercial Real Estate | Commercial real estate | Above $5M–$100MM+ | 5–30 years | Up to 80% | View details → |
| Business Funding | Business funding | $50K–$5M+ | 1–25 years by program | Program specific | View details → |
01
For Builders
Experience can live in the team—not only the borrower
A first ground-up project may still be reviewable when the construction team includes a qualified general contractor or an experienced guarantor. Pairing addresses experience; the land, budget, liquidity, permits, and exit still have to work.
Up to 95%Loan-to-cost, subject to the full structure
100%Construction budget financing within program limits
Up to 75%Of completed appraised value
24–48 hrsTypical virtual draw timing
Inside the Review
Six parts of the file move together
Leverage and pricing are outcomes of the whole transaction. A strong asset cannot fully offset an incomplete budget, thin liquidity, or an exit that does not survive scrutiny.
The plan
What changes during the loan term, what it costs, and who is responsible for delivery.
The sponsor
Experience, credit profile, decision-making authority, and alignment with the transaction.
The capital stack
Requested leverage, cash invested, contingency, reserves, and any existing debt.
The timeline
Contract dates, permitting, construction duration, lease-up, and the required closing window.
The exit
Sale or refinance assumptions tested against a realistic completed operating picture.
Beyond a Single Loan
Three additional desks inside RAMM
Business Funding
Capital for operating companies
Term debt, revenue-based structures, revolving credit, cards, and SBA-backed options through partner sources.
Partner Network
A financing resource behind your relationships
A structured referral process for brokers, agents, builders, advisors, communities, and real-estate platforms to introduce opportunities.
Energy & Infrastructure
Financing relationships for energy and infrastructure
An early-stage network for solar, storage, EV charging, renewable energy, infrastructure, and aligned capital providers.
RAMM Field Notes
Know what the file needs before the clock starts
Practical guidance for packaging, structuring, and stress-testing an opportunity before it reaches underwriting.
Deal Readiness
The First Ten Minutes of a Deal Review
What an experienced capital desk looks for before it reaches pricing: basis, budget, sponsor, liquidity, and a believable exit.
Loan Structure
Choose the Exit Before You Choose the Debt
A bridge loan and a DSCR loan solve different moments. Work backward from the completed asset before selecting the structure.
Construction
A Construction Budget That Can Survive Underwriting
The line items, contingency, soft costs, draw assumptions, and schedule logic that turn a concept into a financeable request.
The RAMM Standard
Start with the file. Then find the capital.
RAMM is built to evaluate the transaction in front of us rather than force every request into one product sheet. When a program is workable, we identify the structure and next requirements. When it is not, we explain the gap directly.
- Business-purpose, non-owner-occupied real estate financing
- Residential investment requests up to $5 million
- Commercial and development opportunities above $5 million, including qualified transactions exceeding $100 million
- Capital placed through direct, affiliated, and selected institutional sources
- Clear milestones from initial review through documentation and closing
Bring Us the Scenario
Put the actual deal on the table
Send the property, budget, borrower profile, and exit. The review starts with the complete scenario—not a generic rate quote.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.