At Ternus, we don’t just provide Fix & Flip financing—we power your vision.
→ Up to 100% LTC
→ Up to 100% of rehab
→ Up to 70% ARV
We deliver investor-focused financing options tailored to help you seize every opportunity. Whether you’re purchasing for a quick flip or working towards a rehab-to-rent, our Fix & Flip program is built to fuel your ambitions.
Loan Term
6 months with 3-month extension option1
Rehab Budget
Up to 100% covered (maximum 70% ARV)
Loan Amount
$50,000 to $500,000
Property Types
Single-family residences, 2 to 4 units, & townhomes
Loan Purpose
Business purpose3
(full recourse available4)
Rate & Fee
12% APR + 2% origination
First-Time Investors
Eligible with prior real estate experience (case-by-case basis)
Heavy Rehab
Subject to review
Interest Reserves
6 months + 10% of rehab budget
1 Appraisal and credit report may be required at Lender’s discretion, based on overall risk; only available in select markets
2 Extension offered at 1% (available at Lender’s discretion)
3 Must be an LLC, LP or corporation
4 Must be an individual guarantor
Real estate investors choose Ternus because we deliver what matters most. We offer speed, reliability, and a team that understands the challenges and opportunities of real estate investing. Our process is clear, our terms are straightforward, and our focus is always on helping you close quickly and grow your business with confidence.
No delays from appraisals or credit reviews, just straightforward lending when you need it.
Scale faster without tying up your own capital—get financing that covers the entire purchase price.
Get funding decisions in 24 hours and enjoy flexible terms built to support your investment strategy, not slow it down.
Wondering how we can close in 24 hours? Want to know more about our 100% leverage options? We’ve got answers to all your questions.
Ternus is rapidly exapanding into new markets, but currently, we lend in 45 states. State restrictions may apply. We do not offer loans in California, Arizona, Nevada, Oregon, New Hampshire. Other restrictions may apply. To determine if your project is eligible for funding in your state, please reach out.
Yes! We are able to offer leverage up to 100% on certain loan programs. However, not all investors may qualify for this leverage. To determine your eligibility, please reach out.
We pride ourselves on speed and efficiency. For example, we can close your fix and flip deal in as little as 24 hours, ensuring you get the funds you need without delay. However, our timelines vary by product, and are heavily reliant on the investor’s own organization (eg. all required documents, permits, etc. are ready to go) and responsiveness.
We lend on 1 to 9 unit residential properties. Ineligible properties include commercial, manufactured homes, raw land, and rural properties.
Required documentation includes proof of funds, property valuation reports, project plans, and borrower identification. Specific requirements may vary based on the loan product.
Our draw process is straightforward. We send you a link to take pictures of the property. Once the necessary documentation is submitted, funds are typically released within 1 business day.
Yes, closing costs can be rolled into the loan, allowing you to manage your cash flow more effectively. However, Ternus does not allow Ternus’ fees to be rolled into the loan.
Our loan officers can be reached via phone at (972) 755-1880 or through our contact form.
