Direct Communication
Borrowers and partners get an honest assessment. When a transaction does not fit, we say so and explain what would need to change.
About Ramm Financial
Direct Lending and Capital-Market Solutions for Real Estate Investment
Ramm Financial exists to give real estate investors, builders, developers, and business owners access to private capital through direct, affiliated, and carefully selected institutional sources — structured around each transaction rather than a single product sheet.
How We Operate
One Request, Multiple Capital Sources
Ramm Financial is a private lending and capital-markets platform providing business-purpose real estate financing and business funding. We work through direct lending programs, affiliated relationships, and selected third-party capital sources.
In practice, that means a single financing request can be measured against multiple programs, lending criteria, and capital sources — instead of being limited to whatever one lender happens to offer.
We serve fix-and-flip investors, ground-up builders, DSCR rental holders, bridge and commercial borrowers, and business owners seeking growth capital. The platform supports residential investment loans up to $5 million and commercial real estate and development transactions exceeding $100 million.
Our real estate financing is generally for business-purpose, non-owner-occupied transactions unless a specific approved program states otherwise.
Markets & Transaction Types
- Fix & Flip / Value-Add
- Ground-Up Construction
- DSCR Rental Properties
- Bridge & Stabilization
- Commercial Real Estate (5+)
- Portfolio Financing
- Cash-Out Refinance
- Business Working Capital
Program availability, approval, pricing, and leverage vary by scenario, property, borrower qualification, and capital-provider requirements.
Operating Principles
How We Work With Borrowers and Partners
Transaction-First Approach
Each opportunity is evaluated around the asset, the business plan, sponsorship, leverage, and exit — not a fixed credit box.
Long-Term Relationships
We build capital strategy across acquisitions, refinances, construction, and portfolio growth rather than single transactions.
Leadership
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Founder & Managing Principal
TODO — replace with the founder biography. Cover the background that informs how transactions are evaluated: real estate investment, operations, capital markets, and any prior track record worth citing.
TODO — second paragraph on why Ramm Financial was built the way it was: a capital-markets platform that evaluates a financing opportunity across multiple sources rather than a single lending program.
Compliance Disclosure
Ramm Financial arranges business-purpose financing for non-owner-occupied real estate and commercial borrowers. Nothing on this site is an offer to lend, a commitment to lend, or a guarantee of terms. Rates, leverage, program availability, and closing timelines depend on the borrower, the collateral, the completeness of the file, and the requirements of the capital source, and are subject to change without notice. Not all applicants qualify.
Our real estate programs are for business-purpose, non-owner-occupied transactions. We do not originate consumer mortgages and do not lend against a borrower's primary residence.
Where a transaction is placed with a third-party capital source, that source applies its own credit criteria, and its requirements govern the final terms.
Take the Next Step
Have a Transaction to Finance?
Submit the property and financing details for a preliminary review.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.