Oklahoma

Oklahoma Private Money Lender

Ternus funds investor loans across Oklahoma. Tulsa, Oklahoma City, and every market between.

Ternus: Supporting Oklahoma real estate investors

The Sooner State, Oklahoma has a rich history. Well known for the Land Run of 1889, an oil boom, to being a large producer of cattle, natural gas, and wheat, Oklahoma is a great place to stake your claim.

Are you searching for a reliable partner to help fund your next investment project in Oklahoma? Ternus Lending can be your go-to resource for your real estate investment needs. Founded for investors by investors, we are recognized as one of the preeminent private money lenders in the state. Whether you’re targeting properties in Oklahoma City, Tulsa, or other cities in the state, we’re here to help you secure the financing you need.

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Who We Are

Here at Ternus, we’re not just lenders—we’re dedicated partners in your investment journey, committed to helping you thrive. Ternus Lending was founded for investors by investors who know how to navigate the complex and constantly changing real estate market. As professional loan officers in Oklahoma, we provide quick, flexible loans tailored to your specific needs. Whether you’re interested in a DSCR loan, a fix-and-flip opportunity, or building your rental portfolio, we’re here to support you.

What We Do

At Ternus Lending, we pride ourselves on offering quick private money lending solutions. We provide a diverse range of loan options tailored to meet the evolving needs of local investors. With our intimate knowledge of Oklahoma’s various real estate markets, we can ensure that you receive funding focused to help you achieve your goals. Our offerings include:

Loan Programs

Fix and Flip Loans

Our fix-and-flip loans are tailored for Oklahoma investors who intend to buy, renovate, and sell properties with little turnaround time. We offer competitive terms and quick approvals to help you reach your property rehab goals.

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 specifically suited to Oklahoma investors seeking short-term financing for double-closing deals. With Ternus, you can take advantage of rapid buy-sell opportunities without the complications 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 specifically crafted for Oklahoma investors who are aiming to enhance profits with minimal time and financial commitment. We offer competitive interest rates and have the ability to close in as little as 24 hours with a clear title.

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

When you want funding for your long-term investments, Ternus offers DSCR loans with terms extending up to 30 years. We offer competitive interest rates designed to help you maximize returns over time and cultivate 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

When you want to build your Oklahoma rental property portfolio, our rental property loans offer an excellent solution with flexible terms and competitive interest rates. As one of the leading DSCR lenders in the region, we specialize in debt service coverage ratio loans that let you borrow based on the projected income of the rental property.

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 real estate lending fast and easy.

As one of Oklahoma’s leading private lenders, Ternus Lending gives you the speed, flexibility, and individualized service you need for your investment goals. With our expertise in the Oklahoma real estate market, we can help you navigate any roadblocks and red tape you encounter while securing your funds.

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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

Ready to Get Started?

With Ternus Lending, you can secure the capital you need for your next real estate venture in The Sooner State. We have an unwavering commitment to transparency and outstanding customer service, with clear terms, prompt approvals, and dedicated support to guide you through the complexities of real estate investing.

Contact Ternus Lending today and let us help you finance your future.

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