Business Funding

Fund the operating objective—not a generic category.

The right structure depends on how the money will be used, how quickly it is needed, and how the business can repay it. RAMM arranges term, revenue-based, revolving, and government-backed options through lending and issuer partners.

Submit a Business Request → Book a Call

RAMM is not the direct provider for every program on this page. Approval, pricing, terms, and funding are determined by the applicable partner.

Four Operating Objectives

Start with what the capital must accomplish

Compare the published ranges and underwriting basis without losing the differences between one-time investment, near-term liquidity, revolving access, and longer-horizon debt.

01 / Invest on a defined schedule

Term Loans

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Typical Use: Equipment, expansion, acquisitions, or general business investment.
Qualification: Revenue and credit-based underwriting.
Funding Range: $50K–$5M+
Term & Repayment: 1–5 year terms with fixed payments.
Collateral: May require a business or personal guarantee.
Provider: Ramm Financial arranges access through lending partners.

02 / Convert revenue into near-term liquidity

Revenue-Based Financing

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Typical Use: Working capital tied to revenue, for immediate cash-flow needs.
Qualification: Monthly revenue and bank statement review.
Funding Range: $50K–$500K
Term & Repayment: Short-term, repaid as a percentage of revenue.
Collateral: Typically unsecured — business performance is the primary factor.
Provider: Arranged through partner capital sources.

03 / Keep purchasing power available

Business Lines of Credit & Cards

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Typical Use: Revolving credit for ongoing expenses, inventory, marketing, or operating flexibility.
Qualification: Credit score, business history, and financial statements.
Funding Range: $10K–$250K+
Term & Repayment: Revolving. Introductory-rate programs are subject to issuer terms, fees, and credit approval.
Collateral: Typically unsecured for qualified applicants.
Provider: Arranged through issuer and lending partners.

04 / Finance a longer operating horizon

SBA & Government-Backed Loans

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Typical Use: Long-term financing on government-backed terms for qualifying businesses.
Qualification: Full application including financials, business plan, and SBA eligibility.
Funding Range: $50K–$5M+
Term & Repayment: 5–25 year terms depending on program and use of funds.
Collateral: May require collateral and a personal guarantee.
Provider: Facilitated through approved SBA lending partners.

First-Pass Eligibility

What the file usually needs

The exact credit box changes by program and provider. These are broad orientation points, not a promise of approval.

Minimum 580+ personal credit score for most programs
At least 6–12 months in business, varying by program
Revenue documentation through bank statements or financial statements
A registered legal business entity
A personal guarantee may be required

Before You Select a Product

Compare cost, speed, and flexibility together

A fast source of liquidity may carry a different repayment profile than a fully underwritten term or SBA facility. The useful comparison is the complete obligation—not the headline amount alone.

Use of proceeds

Define the purchase, expansion, working-capital need, or operating gap the money must cover.

Time to capital

Know whether the opportunity can support full documentation or needs a faster partner review.

Repayment source

Test fixed payments, revenue-linked payments, or revolving balances against actual cash flow.

Total obligation

Review rate, fees, term, payment cadence, guarantees, and collateral as one economic package.

Documentation

Prepare current bank statements, financials, entity records, ownership detail, and a clear use-of-funds schedule.

Provider terms

The issuing or lending partner’s credit criteria and documents govern the final approval and terms.

Bring Us the Scenario

Put the operating need in context

Send the requested amount, intended use, time in business, revenue profile, and timing. The first review will focus on which structure is plausible and what documentation comes next.

Submit a Business Request → Book a Call

Qualification varies by program, amount, and capital source. Introductory-rate programs remain subject to credit approval, issuer terms, and applicable fees.