Bridge Loans Built for Real Estate Investors
Close on rent-ready investment properties with up to 100% LTC, not to exceed 70% of as-is value. 660 minimum FICO.
Bridge Loans vs. Fix-and-Flip Loans: Same Speed, Different Strategy
Both products share the same DNA: short-term, asset-based financing that closes fast and requires minimal documentation. The difference comes down to what you’re doing with the property after closing.
Bridge Loan
The property is rent ready or needs only cosmetic work. There’s no renovation budget, no draw schedule, and no rehab escrow. You’re acquiring a stabilized asset and holding it short term while you execute your exit strategy, whether that’s a refinance, a lease up, or a resale.
Fix-and-Flip Loan
The property needs significant renovation before it can be sold or rented. Ternus’s fix-and-flip program includes up to 100% of rehab costs funded through a draw schedule, with funds released as work is completed.
Not sure which loan fits your deal? Call (972) 755-1880 — our team will structure the right product for your specific situation in minutes, not days.
What Sets Ternus Bridge Loans Apart
Up to 100% financing
Most bridge lenders cap leverage at 75–85% LTC, requiring $25,000–$75,000+ out of pocket on a typical acquisition. Ternus funds up to 100% of the purchase price on eligible properties, keeping your capital free for the next deal.
Close Quickly
While other lenders average 21–25 days, Ternus has closed bridge loans in as little as one business day. Same-day approvals and minimal documentation make this possible — no tax returns, no income verification, no waiting.
Streamlined underwriting.
On eligible properties, Ternus underwrites based on the asset and the deal, not your personal financial history. This eliminates the two biggest bottlenecks in real estate lending: waiting for an appraisal and worrying about credit score requirements.
Built by investors, for investors
Ternus was founded by real estate investors who got tired of lenders that didn’t understand how deals actually work. We know the difference between a deal that pencils and one that doesn’t — and we structure financing accordingly.