Missouri

Missouri Private Money Lender

Ternus funds investor loans across Missouri. Real estate finance built around the way investors actually buy.

Ternus: Supporting Missouri

The Show Me State, Missouri is well known for being the gateway to westward US expansion, with the accordingly named Gateway Arch along the mighty Mississippi River. Missouri is also famous for BBQ, the Ozark Mountains, the Chiefs, Cardinals, Royals, and many other wonderful attractions.

Looking to grow your real estate investment portfolio right here in Missouri? Ternus Lending is your go-to private money lender, offering fast, flexible funding tailored to Missouri’s unique market. Whether you’re flipping homes in St. Louis, pursuing a wholetail opportunity in Kansas City, or securing a DSCR loan for a rental property in Springfield, we’re here to support your success from start to finish.

Who We Are

Ternus Lending was established for investors by investors armed with the knowledge and expertise to adeptly maneuver through the ever-evolving real estate landscape. Drawing on our experience with property acquisitions, we recognize the mix of exhilaration and pressure that comes with Missouri real estate investing. More than just private money lenders, we are committed partners who want to help you thrive.

What We Do

Here at Ternus Lending, we offer swift, flexible private money lending solutions. We provide a variety of loan options specifically designed to adapt to the changing needs of local investors. With a deep understanding of Missouri’s regionally diverse real estate markets, we can get you the targeted and impactful funding you need to help you reach your objectives. From St. Louis to Kansas City, we’re here to support your financial success. Our 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 Lending

Here at Ternus Lending, we’re Missouri hard money lenders who prioritize speed, flexibility, and individualized service. When you partner with Ternus to get a hard money loan, you get a preeminent lender working on your side.

From St. Louis to Kansas City, Missouri offers a wealth of investment opportunities, no matter where you’re looking to buy. Ternus Lending can be your go-to partner to help you get in quickly and make the most of Missouri’s real estate market.

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Why Choose Ternus Lending

We are committed to making Missouri real estate lending fast and easy.

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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?

With Ternus, you can have a trusted ally throughout your real estate investment journey in The Show-Me State. We focus on offering our clients an unwavering commitment to transparency and outstanding customer service. With straightforward loan terms, quick approvals, and expert guidance, we’re here to simplify the complexities of real estate investing. Reach out to Ternus today, and let us help you turn your investment goals into your financial future.

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