Georgia

Georgia Private Money Lender

Ternus funds investor loans across Georgia — Atlanta and beyond. Fix and flip, DSCR rental, bridge, and 100% financing structured for the way investors buy.

Ternus: Supporting Georgia real estate investors

The Peach State, Georgia is home to the Braves, Falcons, Hawks, as well as Coca-Cola. Georgia is also home to the world’s busiest airport, and has recently become “Hollywood of the South” due to numerous TV and movie productions in the state.

When you need a trusted partner to support your real estate investments in Georgia, Ternus Lending can be your source for fix-and-flip loans , DSCR loans , and other hard money loans.

Ternus Lending is here to provide the financing you need. Take advantage of Georgia’s thriving real estate market with the trusted support of Ternus Lending.

Georgia hard money lenders

Who We Are

Founded for investors by investors, Ternus is a national private money lender with loan options tailored to property investors’ needs

With strong ties to Georgia, we have an intimate understanding of the state’s local market. As a trusted hard money lender in Georgia, we offer fast, flexible loans designed with investors in mind. At Ternus Lending, we’re not just lenders, we’re your dedicated partners, committed to supporting your success at every stage of your investment journey.

What We Do

Here at Ternus Lending, we’re a trusted partner for real estate investors throughout Georgia, offering a range of fast and reliable private money lending solutions. Whether you’re based in Atlanta or Savannah, Georgia has opportunities for every type of investor. With us, you can get the tailored financing you need to reach your investment goals. Our loan options 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

We are committed to making lending in Georgia fast and easy.

As a leading name among Georgia hard money lenders, Ternus Lending prioritizes speed, flexibility, and personalized service. When you work with our team of experts, you can get a loan with the benefits of:

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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

With Ternus Lending, you can stay ahead and capitalize on Georgia’s real estate market.

Ready to Get Started?

At Ternus Lending, we’re dedicated to building long-term partnerships with our clients, making us your trusted professional loan officers in Georgia. From start to finish, we’re here to support you at every step of your real estate investment journey. We make real estate investing simpler with our transparent process, quick approvals, and expert guidance, offering clear loan terms and exceptional customer service.

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