Built for speed, scale, and 100% leverage.
Up to 100% of purchase price plus 100% of rehab budget, capped at 70% ARV. Interest-only, no prepayment penalty, draws released in 5 business days.
Loan terms that put leverage in your hands.
Whether you’re acquiring a distressed single-family home for a quick cosmetic flip or tackling a full gut renovation on a fourplex, our fix-and-flip program is structured to maximize your buying power while minimizing out-of-pocket costs. Ternus offers some of the most aggressive leverage in the private money lending space — up to 100% of the purchase price, with rehab financing that covers your full renovation budget.
Every loan is structured interest-only with no prepayment penalty — you pay nothing extra for selling ahead of schedule.
How 100% financing actually works.
Most hard money lenders cap financing at 85–90% of the purchase price, forcing investors to bring 10–15% down plus capital for renovations. Ternus flips that model — we fund up to 100% of acquisition and 100% of rehab, subject to a 70% ARV cap.
Experienced flippers target properties where the spread between acquisition + rehab cost and ARV is wide. The deeper the discount, the more likely you qualify for full 100% LTC. To check your next deal, call (214) 471-5557.
Why investors choose us over traditional hard money.
Just straightforward lending
Underwriting on purchase price, comparable sales, and your renovation scope. No 10-day appraisal waits, no scheduling conflicts, no surprises.
Close in approximately 7 days
Streamlined underwriting and in-house decisions — no loan committee approvals. Clear title and documents, funded fast.
Rehab draws released in 5 business days
Submit photos of completed work and funds are typically released within a few business days. No third-party property inspections.
Built by investors who’ve funded $1.8B+
Our leadership has originated over $1.8 billion in investment loans. We learned lending from funding thousands of deals, not textbooks.
From application to funding.
Submit your deal
Apply online with property details, purchase price, renovation scope, and estimated ARV. You’ll receive a preliminary term sheet often within hours.
Lock your terms
Provide standard docs: proof of funds, entity documents, purchase contract, and a renovation budget. No tax returns or W-2s.
Close and fund
With clear title and documents in order, we close in as few as 7 business days. Funds are wired directly to the title company.
Renovate with draws
As you complete milestones, request draws through our photo-verification system and receive funds within 5 business days.
Exit your loan
Sell and pay off with no prepayment penalty — or transition into a Ternus DSCR rental loan with up to 80% LTV.