At RAMS HEAD, we believe lending should feel less like a transaction and more like a conversation. That’s why we’ve built our company around one core idea: service, not money. We’re not a fintech algorithm. We’re not a slow-moving bank. And we’re certainly not a call center full of scripts and hold music. We’re real people, helping other real people make confident financial decisions — fast, clearly, and with integrity.
Founded in the Midwest, RAMS HEAD was created in response to a broken system. Traditional banks have grown slower and more restrictive. Fintechs chase scale at the cost of transparency. And too many business owners are left feeling confused, ignored, or pressured. We saw the need for a middle ground — a lender that moves quickly but listens closely, that brings both credibility and clarity to every conversation. That’s where RAMS HEAD comes in.
We specialize in short-term lending solutions for business owners, real estate investors, and entrepreneurs who don’t have time to chase down approvals or decipher hidden fees. Our approach is simple: we ask better questions, we give honest answers, and we help you choose the right solution — even if that means recommending something we don’t offer. It’s not about the biggest loan. It’s about the right fit.
Our leadership reflects that same mindset. President Gavin Fisher brings years of commercial lending experience to the table, having worked across both business and mortgage financing. Gavin leads with a hands-on, human-first approach — the kind that prioritizes long-term relationships over one-time deals. Under his direction, RAMS HEAD has earned the trust of borrowers and capital partners alike by staying responsive, consistent, and clear in every interaction.
We serve two sides of the table: those seeking capital, and those providing it. Our funding relationships — including long-standing connections within hedge funds and private networks — are built on accountability and results. Our borrowers benefit from that trust. When we make a promise, we keep it — to all parties involved.
Whether you’re a contractor juggling projects, a business owner managing uneven cash flow, or a real estate investor needing fast drawdowns, we aim to be the most dependable partner in your corner. We’ll pick up the phone. We’ll explain the fine print. And we’ll walk with you from start to finish — no assumptions, no surprises.
At RAMS HEAD, we don’t just close loans. We open relationships. And we’re proud to be a lender with backbone in a space that too often lacks it.
Clarity. Credibility. Connection. That’s what we bring to the table.
Let’s build something together.
