— The Investors’ Lender
Built by investors, for investors.
Fast decisions, reliable closings, and transparent lending from a team that understands you because we’re investors too.
◆ Fast Closings
◆ 100% financing available
◆ Direct lender, no middleman
◆ In house underwriting and funding
Over $100M
In Loans Funded
(as of July 2026)
38 States
WHERE WE LEND
Over 500
DEALS FUNDED
(as of July 2026)
Loan Programs
Capital built for your investment goals
Fix & Flip, DSCR, Bridge, and Portfolio. Whatever the play, there’s a program built for it.
Fix & Flip Loans
Short term capital offering 100% of rehab on eligible properties. Buy, renovate, and exit faster.
DSCR Rental Loans
Long term financing qualified on the property’s cash flow — not your personal income. Grow the portfolio.
Long-Term Rental Portfolio
Strategic financing to grow and consolidate rental portfolios of any size into long term wealth.
Bridge Loans
Flexible short term financing to acquire quickly and bridge the gap between deals tying up your capital.
Why Ternus
Fast, transparent, built for investors
Ternus was built to give real estate investors a better lending experience. Fast decisions, reliable closings, transparent terms, and financing designed to help you close more deals with confidence.
Over $100M
In Loans Funded
Over 750
Loans Originated
38
States Funded
— Contact Us
Let’s talk about your next deal
Tell us how to reach you and a Ternus lending specialist will follow up.
Built Different
The lender real estate investors trust
Close fast
Decisive underwriting and predictable closings. We move when you move, not three weeks later.
Direct lender
We fund our own loans. No broker markups, no middleman delays, no surprises at the table.
100% financing
Available in select states. More capital in the deal means more deals, and more closing speed.
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
What investors ask us
The questions we hear most, answered straight — no runaround.
What loan programs does Ternus offer?
Fix & Flip, DSCR rental, Bridge and Long-Term Rental Portfolio — covering every stage of an investor’s deal cycle.
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.
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.
Do you offer 100% financing?
Yes — 100% financing is available in select states on qualifying programs. More capital in the deal, faster closings.
Ready to fund your next deal?