— The Investors’ Lender
Real Estate Investor Loans, Built by Investors
Built by investors, for investors — in short, Ternus funds real estate investor loans with fast decisions, reliable closings, and transparent terms. Regardless, some call them hard money loans for investors; we just call it capital that moves as fast as you do. Because we’re investors too, we built Ternus to work the way a real investor actually needs a lender to work — decisive, direct, and honest about what happens next.
◆ Fast Closings
◆ No fine print
◆ Direct lender, no middleman
◆ In house underwriting and funding
Over $100M
In Loans Funded
(as of July 2026)
39 States
WHERE WE LEND
Over 500
DEALS FUNDED
(as of July 2026)
Real Estate Investor Loan Programs
Capital built for your investment goals
Overall, Fix & Flip, DSCR, Bridge, and Long-Term Rental Portfolio — these real estate investor loans are built for whatever the play is. Whether you call them hard money loans for investors or just working capital, ours are built to move as fast as your deal does. Each program is underwritten in-house, so the person reviewing your file is the same person who can say yes.
Fix & Flip Loans
Short-term capital offering 100% of rehab on eligible properties. Buy, renovate, and exit faster. Because rehab draws are handled in-house, you’re not waiting on a third party to release funds between phases.
DSCR Rental Loans
Long-term financing qualified on the property’s cash flow — not your personal income. Grow your portfolio without your W-2 slowing you down. That structure is why investors building a rental portfolio often start here.
Long-Term Rental Portfolio
Strategic financing to grow and consolidate rental portfolios of any size into long-term wealth. Once a portfolio grows past a handful of doors, managing separate loans one at a time gets expensive and slow — this program is built to simplify that.
Bridge Loans
Simply put, it’s flexible short-term financing to acquire quickly and bridge the gap between deals tying up your capital. So when timing matters more than anything else, bridge financing keeps a deal from stalling out.
Why Real Estate Investors Choose Ternus
Fast, transparent, built for investors
At its core, Ternus was built to give real estate investors a better lending experience. That means fast decisions, reliable closings, transparent terms, and financing designed to help you close more deals with confidence. In the end, that combination is what separates a direct lender from a broker shopping your file to five different capital sources.
Contact Us
Let’s talk about your next deal
Tell us how to reach you and a Ternus lending specialist will follow up. Whether you’re closing in two weeks or still shopping options, we’ll tell you where you stand.
Built Different
The Direct Lender for Real Estate Investor Loan
Real investors, real deals — here’s what borrowers say about working with Ternus.
Close fast
Decisive underwriting and predictable closings. We move when you move, not three weeks later. Every file is still subject to underwriting and final approval, but you’ll know where things stand at every step.
Direct lender
We fund our own loans. No broker markups, no middleman delays, no surprises at the table. So the terms you’re quoted are the terms you’re working with, not a starting offer to be renegotiated later.
In-house underwriting
Your file stays in one building, reviewed by the people who can actually say yes. No outside credit committee, no waiting on someone else’s queue. That’s what makes fast decisions possible in the first place.
Testimonials
What our borrowers say
★★★★★
“Working with the team made the process incredibly smooth. They guided me step by step and I always knew what to expect.”
Hudson Hanley
Charlotte, NC · Fix & Flip
★★★★★
“Very professional and responsive. They helped me lock in a great rate and made the entire process stress-free.”
Preet Singh
Matthews, NC · Wholetail
★★★★★
“Excellent communication throughout the loan process. I always felt informed and supported at every step.”
Ricardo Alvarez
Concord, NC · Bridge
Common Questions About
Real Estate Investor Loans
What investors ask us
The questions we hear most, answered straight — no runaround.
What loan programs does Ternus offer?
Ternus offers real estate investor loans across four programs: Fix & Flip, DSCR rental, Bridge, and Long-Term Rental Portfolio — covering every stage of an investor’s deal cycle. So whichever stage your deal is in, there’s likely a program built for it.
How fast can you close?
Fast — faster than banks or brokers can move. We’re a direct lender, so underwriting and funding happen under one roof, with no outside approvals slowing things down. Even so, every closing timeline is subject to underwriting and the specifics of your file, so we’ll give you a real answer once we see your deal.
What states do you lend in?
We’re funding across 39 states and growing. Tell us where your deal is and we’ll confirm availability fast.
Ready to fund your next deal?