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.
Up to 100% LTC
No Appraisal Required
39 States
No Prepayment Penalty
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.
Choose a bridge loan when
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.
Choose a fix-and-flip loan when
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 Makes Ternus Bridge Loans Different from Every Other Lender
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 in 24 hours, not 24 days
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. 660 minimum FICO
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 who still invest
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.
From Application to Funding in Three Steps
Submit your deal
Apply online or call (972) 755-1880. Share the property address, purchase price, and your planned exit strategy.
Get your term sheet
Our team reviews the deal and delivers a term sheet, often the same day. For eligible properties, no appraisal is required.
Close and fund
Once terms are accepted, Ternus coordinates directly with the title company. Funding can happen in as little as 7 days from term sheet acceptance.
Ready to Move on Your Next Deal?
Get pre-qualified for a Ternus bridge loan in minutes, not days. No application fee. No hard credit pull. Just fast, transparent financing built for investors who don’t wait.