Arkansas Private Money Lenders: Your Partner in Investment Success

Supporting Arkansas real estate investors

The Natural State, Arkansas features the Ozark and Ouachita Mountains, Hot Springs, the Talimena Trail, and the Queen Wilhelmina State Park. Arkansas is also home to WalMart, Tyson Foods, and J.B. Hunt trucking.

If you’re investing in Arkansas real estate, you need a lending partner who understands the local market. At Ternus Lending, we specialize in hard money loans designed with Arkansas investors in mind. Whether you’re flipping a property in Little Rock, tackling a wholetail deal in Fayetteville, or expanding your portfolio in Hot Springs, our flexible funding solutions help you move fast and build smart.

arkansas private money

Who We Are

At Ternus Lending, we provide fast, flexible private money loans tailored to meet the needs of Arkansas investors. Our loan options are designed to adapt to the unique challenges of Arkansas’s real estate markets, helping you secure the funding you need to reach your goals. Whether you’re seeking a DSCR loan, a fix and flip loan, or want financial help in building a rental portfolio, we are here to help you succeed. We’re more than just lenders—we’re your partners in the investment journey, dedicated to your success.

What We Do

At Ternus Lending, we specialize in fast and flexible private money lending. We want to be your go-to partners, with a variety of loan options that cater to your needs as an Arkansas real estate investor. We offer the financial support you need to thrive no matter what your dreams or aspirations might be. 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