import { useState, useEffect } from “react”; const IMG = { hero: 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mountain: “data:image/jpeg;base64,…”, // truncated for brevity buildings: “data:image/jpeg;base64,…” }; const COLORS = { rust: “#4A2E1A”, taupe: “#9A8A76”, sand: “#DDDSC4”, clay: “#6B5B4E”, cream: “#FDFAF4” }; export default function RatioBuilderLanding() { const [ctaClicked, setCtaClicked] = useState(false); useEffect(() => { if (ctaClicked) { // rudimentary scroll-to-form to reward the click const form = document.getElementById(“contact-section”); if (form) form.scrollIntoView({ behavior: “smooth” }); } }, [ctaClicked]); return (

{/* HERO */}

Lend. Build. Scale.

You build homes. We build your capital stack.

Ratio Builder helps residential professionals line up smart, flexible capital so they can stop babysitting spreadsheets and get back on site.

90 seconds. No spam. Just a pattern‑spotting brain on your numbers.

{/* Hero visual with peephole CTA */}

Watch the peephole lens
(see what lenders see)

{/* LEND BUILD SCALE */}

A capital stack designed for builders, not bankers.

We combine lending intelligence with on‑the‑ground experience so your next project is funded, predictable, and actually scalable.

{[ { label: “Lend.”, title: “Clarity on your capital.”, copy: “We plug into your pipeline, map current lenders, and surface where your capital stack is helping—or quietly holding you back.” }, { label: “Build.”, title: “Structure around your pipeline.”, copy: “We design a blended stack that supports your next 3–5 projects instead of forcing you to renegotiate every single start.” }, { label: “Scale.”, title: “Confidence to push further.”, copy: “We stress‑test scenarios so you know exactly how far you can go without waking up to a lender surprise.” } ].map((item) => (

{item.label}

{item.title}

{item.copy}

))}

{/* WHY BUILDERS CALL US */}

Why builders call Ratio Builder.

You already know how to build. We help you build without capital becoming the bottleneck.

You are juggling multiple lenders and chasing draws.
You suspect you are leaving deals on the table because your capital structure cannot keep up.
You want an experienced brain that speaks both term sheet and jobsite.

“Freedom to scale” is not a slogan. It is what happens when your capital structure finally matches your ambition.

{/* VIDEO FEATURE STRIP */}

See your projects the way a lender does.

Our peephole lens view uses data and pattern recognition to look at your deals like an underwriter—then helps you beat that model instead of guess at it.

Curiosity is a feature, not a bug. The more your brain leans in, the more you remember—and the more likely you are to act.

window.open( “https://ratiobuildercapital.my.canva.site/peephole-lens-ai-video-effect”, “_blank” ) } > Peephole Lens AI video
Click to open in a new tab

{/* FINAL CTA + FORM */}

Ready for a smarter capital stack?

Share a few details and we will send back a short pattern report on your current structure—plus one or two ways to add capacity without adding chaos.

Name

Company

Annual build volume (approx.)

What would you love your capital stack to do for you in the next 12 months?

</div>
          </form>

<button
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            No obligation, no pitch deck. If it makes sense, we will talk next steps.
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