Hybrid Financing
Are you still using out-of-pocket funds for down payments on your real estate purchase or for running expenses for your business? We can get you access to funding for both the down payment and the purchase of the asset (business or property). Our process is fast and seamless.
Highly Competitive Rates
Our rates start are highly competitive, and our fees are very transparent. Our staff members are ready to help you estimate closing costs. We also offer business lines of credit as low as 0% for 6-18 months.
“Ramm”ped up Support
A dedicated team member who understands you and your deal, always reachable via direct phone and email.
Streamlined process
No financial documentation is needed for certain business loans, and only minimal documentation is required for real estate investment loans. We conduct soft credit checks at the beginning, allowing you to focus on managing your deals, not the loan process or raising funds.
.png)
.png)
.png)
Apply for a Loan
Lending Criteria
Provide us with the essential details about your deal, and we’ll take it from there. Typically, we’ll ask for the property address, the purchase price, and, if relevant, the construction budget. Our team is always available to assist and address any questions you may have throughout the process.
.png){kind=small}
Loan Purpose
-
Real Estate: Acquisition, Refinance, Fix-and-Flip, Ground-Up Construction
-
Business: Working Capital, Equipment Purchase, Business Expansion, Debt Consolidation, Credit Stacking
-
Hybrid Financing Approach: Combining business and real estate financing for maximum flexibility
Loan Amounts
-
Real Estate: $50,000 to $10,000,000
-
Business: $10,000 to $5,000,000
Minimal Documents
-
Real Estate Loans: No tax returns, W-2s, or bank statements required
-
Business Loans: Basic business details required, with minimal financial documentation for smaller amounts
Property/Business Types
-
Real Estate: Single-Family, Multi-Family, Townhomes, Condos, Commercial
-
Business: Sole Proprietorships, Partnerships, LLCs, Corporations
Maturity Terms
-
Real Estate: Bridge loans (12 to 24 months), no prepayment penalty, 15-30 year fixed-rate DSCR loans
-
Business: Terms ranging from 6 months to 5 years, with flexible repayment options
FICO/Eligibility
-
Real Estate: No strict FICO score requirements
-
Business: Flexible credit evaluations; no strict FICO requirements
The team at Ramm Financial made securing my real estate investment loan a smooth and hassle-free process. Their quick approvals and personalized approach allowed me to move forward with my project faster than I ever expected. Highly recommended!
– Alex T.
As a small business owner, I was struggling to find financing options that suited my needs. Ramm Financial provided me with a tailored solution, and their team was always available to answer my questions. I’ve been able to expand my business and increase revenue thanks to their support.
– Samantha L.
I’ve worked with several lenders in the past, but Ramm Financial stands out. Their hybrid funding program was the perfect fit for my fix-and-flip project. They provided quick, reliable funding that helped me complete my project on time and under budget.