North Carolina

North Carolina Private Money Lender

Ternus funds investor loans across North Carolina. Charlotte, Raleigh, Greensboro, and every market between.

Supporting North Carolina real estate investors

North Carolina is home to the Research Triangle of Raleigh, Durham, and Chapel Hill, as well as Duke, UNC, and Wake Forest universities. North Carolina also boasts fantastic BBQ, the Biltmore Estate, NASCAR, and more.

Are you looking for a trusted partner to provide funding for a loan in North Carolina? Ternus Lending is a hard money lender here for all your real estate investment needs. We are founded for investors by investors. As one of North Carolina’s top lenders, we leverage our expertise to support other investors across the country.

Whether you’re working on a fix-and-flip in Charlotte, a wholetail deal in Raleigh, or seeking a DSCR loan for a rental property in Wilmington, Ternus Lending is here to help. Tap into North Carolina’s dynamic real estate market with a lending partner who knows the terrain and supports your goals every step of the way.

NC hard money lenders

Who We Are

Ternus Lending was founded by experienced real estate investors who understand the dynamic nature of the real estate market. As dependable professional loan officers in North Carolina, we provide fast, flexible loans tailored to your specific needs. At Ternus, we’re more than just private money lenders, we’re your dedicated partners committed to your long-term success.

What We Do

At Ternus Lending, we offer a range of flexible and fast private money lending options, making us a trusted partner for North Carolina real estate investors. From Charlotte to Raleigh, we help investors all over the state. We’re here to provide the targeted financing you need to turn your real estate investment goals into reality. Our loan services include:

Loan Programs

Fix and Flip Loans

Our fix-and-flip loans are designed for investors who want to buy, renovate, and sell as quickly as possible. We offer reasonable terms and rapid approvals to help you achieve your property rehab goals in Arkansas.

Key Aspects of Our Fix-and-Flip Loans:
  • Up to 100% financing for 1–4-family properties, capped at 70% of the after-repair value (ARV)
  • Fast funding between $50,000 and $500,000, with potential for 24-hour closings in established areas, if the title is clear
  • No appraisals or credit checks, and we handle underwriting in-house to keep things moving smoothly

Transactional Funding

Our transactional funding is geared specifically toward Arkansas investors looking for short-term funding for double-closing transactions. You can capitalize on quick buy–sell opportunities without the hassle of traditional financing.

Key Aspects of Our Transactional Funding:
  • Loan amounts from $50,000 to $500,000, with quick processing and potential same-day closings
  • Low fees with just a 1% origination fee and no additional fees for document preparation or processing

Wholetail Loans

Our wholetail loans are tailored for investors looking to maximize profits while minimizing time and capital investment. With low interest rates and the ability to close in as little as 24 hours with a clean title, we help you move quickly on your projects.

Key Aspects of Our Wholetail Loans:
  • Rates at just 12%, interest-only payments available monthly, and no rehab escrow
  • $50,000 to $500,000 loans for 1–4-family properties covering up to 100% of loan-to-cost
  • Rapid closing in as little as 24 hours with minimal fees and no hidden processing charges

Long-Term Rental Loans

For Arkansas investors who are in it for the long haul, Ternus is there for you with DSCR Loans terms that extend up to 30 years. Our low interest rates will help you maximize profit over time, helping you build an enduring rental portfolio.

Key Aspects of Our Long-Term Rental Loans:
  • Financing up to 80% of the as-is value for non-owner occupied 1–4-family properties
  • Flexible terms with options for up to 30-year fixed-rate loans
  • Competitive rates starting as low as 6.59%

Investor Rental Portfolio Loans

If you want to build a rental property portfolio, our rental property loans provide the perfect solution. We offer flexible terms and competitive rates.

As one of the premier DSCR lenders in the Arkansas region, we offer debt service coverage ratio loans tailored to your needs. These loans allow you to finance your loan based on the projected rental income of your properties.

Key Aspects of Our Investor Portfolio Loans:
  • Financing for a variety of properties, including single-family homes, condos, townhomes, and multi-family buildings (5–9 units)
  • Flexible terms of 3, 5, 7, or 10 years, with options for interest-only payments
  • Loan amounts from $55k per property up to a total portfolio limit of $20M, supporting both small and large investments

Why Choose Ternus

We are committed to making lending fast and easy for North Carolina investors

As a leading name among North Carolina hard money lenders, Ternus Lending prioritizes speed, flexibility, and personalized service. Our expert team is deeply knowledgeable about the key trends driving the North Carolina real estate market’s continued growth.

Ternus Lending is your trusted partner to help you stay ahead and capitalize on North Carolina’s thriving real estate market.

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Our Benefits
  • Faster closing process than with a traditional loan
  • Easier underwriting process without the need for perfect credit
  • Financing for properties in less-than-ideal condition

Ready to Get Started?

At Ternus, we’re dedicated to fostering strong, long-lasting partnerships with our clients, positioning us as your trusted North Carolina private money lender and ally throughout every stage of your real estate investment journey. We’re committed to providing transparency, exceptional customer service, and a seamless experience. With clear loan terms, fast approvals, and expert advice, we make navigating the complexities of real estate investing in The Tar Heel State simple.

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