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Ternus
Based in Charlotte, NC · founded 2024 · lends in 39 states
Not reviewed yet · Listing not claimed
Advertised terms
Hand-checked against lender's website · 2026-11-03- Interest rate
- 9.5%
- Points
- 0.5
- Loan size
- $50K–$1M
- Term
- 30-year DSCR
- Max loan-to-cost (LTC)
- 90%
- Max of after-repair value (ARV)
- 75%
- Max loan-to-value (LTV)
- 80%
- Minimum credit score
- 620
- Speed to close
- —
- Draw process
- —
- Personal guarantee
- LLC, LP, or corporation; full recourse with a personal guaranty.
Terms as advertised on Ternus's website, last checked November 3, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
“—” means the lender's website didn't say, not that the lender doesn't offer it. Source: www.ternus.com.
Where Ternus lends
39 states. Source: ternus.com.
Borrower reviews
No reviews yet
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Frequently asked questions
What loans does Ternus offer?
According to their website: fix-and-flip loans, bridge loans, dscr rental loans. Confirm current programs with the lender.
What are Ternus's rates?
Advertised rates of 9.5% with 0.5 points, as advertised on their website (checked 2026-11-03).
Is Ternus the right lender for my deal?
It depends on your deal, leverage needs and timeline. The fastest way to know is to compare term sheets from several lenders for the same deal.
Can Ternus update or remove this listing?
Yes. Lenders can request corrections, claim the listing to verify their terms, or ask to be removed.
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HardMoneyRate does not rank lenders by who pays us. Lists are A–Z by default and you choose the sort. No lender can buy a higher position, a “featured” badge, or a better rating. Terms are what each lender advertises on its own website, checked regularly. They aren't offers and haven't been confirmed with the lender. Reviews can only come from borrowers who actually connected with that lender through HardMoneyRate. Lenders can request corrections or removal at any time.