— The Investors’ Lender
Built by investors, for investors.
Fast decisions, reliable closings, no surprises. We’ve lived the deals you’re chasing — and we built the lender we always wanted.
◆ Close in as few as 10 days
◆ 100% financing available
◆ Direct lender, no middleman
Over $85M
In Loans Funded
39 States
WHERE WE LEND
Over 500
DEALS FUNDED
Loan Programs
Capital for every stage of the deal
Fix & Flip, DSCR, Bridge, Wholetail, and Portfolio. Whatever the play, there’s a program built for it.
◆
Fix & Flip Loans
Short-term capital with up to 100% of rehab on eligible properties. Buy, renovate, and exit faster.
Up to 100% rehab
Close in 10 days
◆
DSCR Rental Loans
Long-term financing qualified on the property’s cash flow — not your personal income. Grow the portfolio.
Qualifies on cash flow
30-yr terms
◆
Bridge Loans
Flexible short-term financing to acquire quickly and bridge the gap between deals tying up your capital.
Fast acquisition
Interest-only
◆
Long-Term Rental Portfolio
Strategic financing to grow and consolidate rental portfolios of any size into long-term wealth.
Any portfolio size
◆
Wholetail Loans
100% financing built for the wholesale-to-retail play when little or no rehab is needed.
100% financing
Not sure which fits?
Tell us about the deal and we’ll match you to the right program in minutes.
Why Ternus
Fast, transparent, built for investors
We built Ternus because we lived the frustration of slow, unreliable capital. Every product and process answers one question: does this make the investor faster, smarter, and more profitable?
Over $85M
In Loans Funded
Over 750
Loans Originated
39
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
01
Close in 10 days
Decisive underwriting and predictable closings. We move when you move, not three weeks later.
02
Direct lender
We fund our own loans. No broker markups, no middleman delays, no surprises at the table.
03
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, Long-Term Rental Portfolio, and Wholetail — covering every stage of an investor’s deal cycle.
How fast can you close?
As few as 10 business days on eligible deals. We’re a direct lender, so underwriting and funding happen under one roof.
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?