Business Funding

Working Capital and Growth Financing for Business Owners

Term loans, revenue-based financing, lines of credit, and SBA-backed programs through the Ramm Financial lending network. Programs are grouped by funding type so you can find the structure that fits.

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Ramm arranges these programs through lending partners rather than funding them all directly. Approval, pricing, and terms are set by the issuing partner.

Funding Categories

Programs by Funding Type

Term Loans

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.

Revenue-Based Financing

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.

Business Lines of Credit & Cards

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.

SBA & Government-Backed Loans

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.

Eligibility

General Qualification Requirements

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

Important Disclosure

Qualification requirements vary by program, funding amount, and capital source. Introductory-rate programs are subject to credit approval, issuer terms, and applicable fees.

Ramm Financial arranges access to business funding through lending partners and is not the direct provider for every program listed on this page.

Take the Next Step

Ready to Explore Funding Options?

Submit your business profile for a preliminary review of the programs currently available to you.

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Ramm arranges these programs through lending partners rather than funding them all directly. Approval, pricing, and terms are set by the issuing partner.