Bridge acquisition
Fix & Flip
Acquire, renovate and sell or refinance residential investment property.
- Loan amount
- Up to $5M
- Term
- 12–24 months
- Leverage
- Up to 95% LTC
View full terms
- ARV / LTV
- Up to 75%
- Experience
- All levels considered
Powered by RAMM Financial
Business-Purpose Capital for Qualified Investors and Projects.
Explore real estate loans, gap funding and business funding in one focused program guide.
Schedule an AppointmentGround-up construction
Up to 90% LTC.
Qualified residential construction projects may be considered for leverage up to 90% of total project cost.
Gap funding
Complete the Capital Stack.
Qualified borrowers may pair real estate financing with business funding for down payment, rehab or closing needs.
01
Real estate financing
Property-Based Programs.
Development financing
Ground-Up Construction
Build qualified residential projects, with experience pairing when needed.
- Loan amount
- Up to $5M residential
- Term
- 12–24 months
- Leverage
- Up to 90% LTC
View full terms
- Completed value
- Up to 75% ARV
- Credit
- 680 minimum
5–20 unit development
Multifamily & Mixed-Use Construction
Ground-up or adaptive-reuse financing for qualified projects.
- Loan amount
- $1M–$5M
- Term
- 12–24 months
- Leverage
- Up to 95% LTC
View full terms
- Completed value
- Up to 75%
- Experience
- Pairing available
Long-term hold
DSCR Rental
Qualify investment property primarily on rental cash flow.
- Loan amount
- Up to $5M
- Term
- 30-year fixed / ARM
- Leverage
- Up to 80% LTV
View full terms
- DSCR
- No-ratio options from 0.75x
- Property
- SFR and 2–4 unit
Stabilization & repositioning
Bridge Lending
Short-term capital for acquisition, repositioning or stabilization.
- Loan amount
- Up to $5M
- Term
- 6–24 months
- Leverage
- Up to 75% LTV
View full terms
- Minimum DSCR
- 1.0x–1.2x
- Exit
- Refinance or sale
Multifamily & commercial
Commercial Real Estate
Financing for multifamily and commercial transactions above $5M.
- Loan amount
- Above $5M–$100MM+
- Term
- 5–30 years
- Leverage
- Up to 80% LTV
View full terms
- Minimum DSCR
- 1.20x
- Assets
- 5+ units, office, retail, industrial
02
Gap and business funding
Business Capital Options.
Complete the capital stack
Gap & Hybrid Funding
Help complete a qualified real estate capital stack.
- Typical gap
- 10–15% of project need
- Structure
- Paired with real estate financing
- Uses
- Down payment, rehab, closing
View full terms
- Qualification
- Business credit, revenue and issuer review
Working capital & growth
Term Loans
Fixed-payment capital for equipment, expansion or acquisitions.
- Funding range
- $50K–$5M+
- Term
- 1–5 years
- Underwriting
- Revenue and credit based
View full terms
- Guarantee
- May be required
Immediate cash-flow needs
Revenue-Based Financing
Short-term capital based on revenue and bank performance.
- Funding range
- $50K–$500K
- Repayment
- Percentage of revenue
- Collateral
- Typically unsecured
View full terms
- Provider
- Partner capital sources
Revolving access
Business Lines & Cards
Revolving credit for expenses, inventory and growth.
- Funding range
- $10K–$250K+
- Structure
- Revolving
- Collateral
- Typically unsecured if qualified
View full terms
- Terms
- Subject to issuer fees and approval
Long-term business financing
SBA & Government-Backed Loans
Long-term programs for eligible, documented businesses.
- Funding range
- $50K–$5M+
- Term
- 5–25 years
- Documentation
- Full financial package
View full terms
- Guarantee
- May be required
Guide maximums are not commitments. Final terms depend on the borrower, property and capital source. Business-purpose, non-owner-occupied financing only. Every program requires application, underwriting and final approval.
Talk with RAMM Financial
Which Financing Path Fits the Deal?
Schedule a 30-minute review of the borrower, property and capital need.