Built for speed and scale.
Our fix and flip loans offer up to 100% of purchase price plus up to 100% of rehab budget, capped at 75% ARV. Interest-only, no prepayment penalty.
Fix and flip loan terms that put leverage in your hands.
Whether you’re acquiring a distressed single-family home for a quick cosmetic flip or tackling a full gut renovation on a fourplex, our fix and flip loans are structured to maximize your buying power while minimizing out-of-pocket costs. In fact, Ternus offers some of the most aggressive leverage available in the private money lending space — up to 75% ARV, with rehab financing that covers your full renovation budget.
Every loan is structured interest-only with no prepayment penalty — you pay nothing extra for selling ahead of schedule.
Start Your Fix and Flip Loan Application
"*" indicates required fields
Why investors choose Ternus fix and flip loans over traditional hard money.
Just straightforward lending
Underwriting on purchase price, comparable sales, and your renovation scope. As a result, there’s no 10-day appraisal wait, no scheduling conflicts, and no surprises.
Fast closings with in-house decisions
Streamlined underwriting and in-house decisions mean no loan committee approvals. Once title and documents are clear, we fund fast.
Built by investors who’ve funded $1.8B+
Our leadership has originated over $1.8 billion in investment loans. In other words, we learned lending by funding thousands of deals, not from textbooks.
From application to funding your fix and flip loan.
Submit your fix and flip deal
Apply online with property details, purchase price, renovation scope, and estimated ARV. You’ll receive a preliminary term sheet often within hours.
Lock your terms
Provide standard docs: proof of funds, entity documents, purchase contract, and a renovation budget. No tax returns or W-2s.
Close and fund your fix and flip loan
With clear title and documents in order, we move quickly to close and fund your loan. Funds are wired directly to the title company.
Renovate with draws
As you complete milestones, request draws through our photo-verification system and receive your funds quickly, subject to verification.
Exit your loan
Sell and pay off your fix and flip loan with no prepayment penalty — or transition into a Ternus DSCR rental loan with up to 80% LTV.
Apply for your fix and flip loan in minutes.
All loan products are subject to underwriting, final approval, and verification. Rates and terms are for discussion purposes only and may vary. Not a commitment to lend.