Invest in Ternus
Now’s your chance to invest in Ternus and own a stake in a company built by investors, for investors. Through our Reg-CF offering, you’re not just purchasing equity - you’re gaining access to an exclusive opportunity. As a participant, you’ll gain membership to the Ternus Founders Club, unlocking exclusive benefits and joining a community created to reward and support investors like you.
Your investment in our private money lending platform helps drive community development and long-term wealth creation through accessible, responsible lending practices.
Who is Ternus?
Ternus is a national private money lender developing a real estate lending platform tailored to property investors' needs.
- Fast and Reliable Financing – Designed to fit the way investors operate.
- Transparent Terms – No hidden fees, just clear lending solutions.
- A Lender That Understands Investors – Because we are investors too.
Our goal is to help real estate investors scale their portfolios with efficient, investor-focused loan products.
The Ternus Advantage
Flexible Real Estate Investment Solutions
- Expertise: With years of experience in the real estate and lending industry, we leverage our deep knowledge of flipping and holding residential real estate to ensure safe, profitable lending opportunities.
- Flexibility & Liquidity: Ternus offers a full portfolio of loan programs to align with our customers financial goals, providing flexibility to meet the needs of a real estate investors taking advantage of a broad range of investment opportunities from six-month Fix & Flip and Bridge loans, to 30-years DSCR loans on rental properties, to five-date and 60-day Transactional and Wholetail loan programs.
- 100% Financing Program: Our unique 100% financing program allows investors to quickly secure financing, often in as little as five days, without requiring credit reports or appraisals.
Why Invest with Ternus?
High Return Potential: Earn competitive returns by funding loans backed by tangible real estate assets.
Secure Investment: Each loan is backed by real property, minimizing risk and providing stability.
Impactful Investing: Empower small business owners and real estate investors to create affordable housing and contribute to long-term community growth.
Founders Club: All Reg CF investors automatically become Founders Club members with access to exclusive perks, including discounts on eligible loans.
Why a Reg CF Offering?
The Investors’ Lender
Our Reg CF offering marks an exciting step forward in fulfilling our mission. Ternus is not just another private money lender; we are a lender dedicated to one clear purpose:
We are the Investors’ Lender. We partner with real estate investors to provide fast, reliable capital so that they can build wealth and create a legacy.
By offering our customers the opportunity to own a stake in our company, we align our goals directly with our customers. Through our Reg CF offering, our customers not only have the opportunity to gain equity in Ternus but also become a valued member of the Ternus Founder’s Club. This exclusive membership opportunity offers unique rewards for real estate investors who choose to partner with us for their eligible investment property financing, enhancing their potential for success.
Membership Rewards
- Time-Based Bonus Shares: Invest before March 31, 2025, and receive a 5% bonus. No additional tiers or varying timeframes.
- Large Investor Bonus Shares: Investors committing $50,000 or more receive a 10% bonus. No other tiers.
- Ternus Founders Club: All Reg CF investors, regardless of investment size, will become Ternus Founder’s Club members
Founders Club Perks
- No application fees, plus a 20% discount on standard fees for eligible loans (approved to close)
- Quarterly market update call with an industry expert
- Monthly coaching calls with a Ternus SME
- Complimentary access to all Founders Club events
- Private admission to the Annual Ternus Shareholders Conference
- Exclusive welcome memorabilia
- Additional perks at the discretion of Management and the Board
Our Commitment to You
A Trusted Strategic Partner
At Ternus, we are more than just a lender — we are a trusted strategic partner committed to the long-term success of both our investors and clients. With a leadership team of seasoned real estate investors, we understand the challenges and opportunities that come with this industry. Our mission is to build lasting partnerships built on trust, transparency, and mutual success.
Our Core Values
At Ternus, we are guided by our five core values:
- Speed: Rapid loan approvals and closings to keep investment opportunities on track.
- Transparency: Clear terms with no hidden fees, ensuring borrowers have complete clarity.
- Accountability: Full ownership of results, maintaining integrity in all interactions.
- Respect: Treating every client, partner, and team member with fairness and dignity.
- Service: Going beyond financing to offer exceptional support throughout the lending process.
By staying true to our core values and consistently prioritizing the needs of our investors and clients, we aim to create positive, sustainable community impact and help small businesses achieve financial independence. When you invest with Ternus Inc., you’re not just making a financial commitment; you’re joining a company that is driven by a shared vision of growth and prosperity for all.
Use of Proceeds
The table below outlines how we plan to allocate the net proceeds from this Offering. Please note, the values listed do not include payments to financial and legal service providers, as well as escrow-related fees, which were incurred during the preparation of this Offering and are due prior to the Offering's closing.
| Use of Proceeds | % of Proceeds if Target Offering Amount Raised |
Amount if Target Offering Amount Raised |
% of Proceeds if Maximum Offering Amount Raised | Amount if Maximum Offering Amount Raised |
|---|---|---|---|---|
| Intermediary Fees* | 8.5% | $850 | 8.5% | $425,000 |
| Loan Funding (1) |
50% | $5,000 | 50% | $2,499,999 |
| Technology & Product Development (2) | 10% | $1,000 | 10% | $500,000 |
| Sales & Marketing (3) | 10% | $1,000 | 10% | $500,000 |
| Infrastructure Expansion (4) | 5% | $500 | 5% | $250,000 |
| General Working Capital (5) | 16.5% | $1,650 | 16.5% | $825,000 |
| Total | 100% | $10,000** | 100% | $4,999,999** |
**These figures are rounded to the nearest whole dollar.
The Company plans to use half (50%) of the net proceeds from this Offering to fund loans prior to sale, supporting the Company’s strategic focus to provide short-term financing, while ensuring higher returns on deployed capital. Additional proceeds will support Technology initiatives to expand and optimize our loan origination platform, which will help automate underwriting processes, and improve overall technological capabilities to help the Company scale its business. In addition to Technology, proceeds from the Offering will also be used to expand the sales team, increase digital marketing initiatives and develop strategic partnerships, including affiliate/referral programs with industry influencers. The Company will also deploy proceeds from this offering to expand the Company’s infrastructure and cover general operating expenses to ensure smooth operations.
The Company will exercise discretion to alter the use of proceeds as set forth above to adhere to the Company’s business plan and liquidity requirements. For example, economic conditions may alter the Company’s general marketing or general working capital requirements.
Meet the Team at Ternus
Tim Herriage
Founder & CEO, President
Tim is a distinguished figure in real estate financing dedicated to reshaping the landscape of real estate investments and currently leads the Company as its visionary founder. Prior to his tenure at the Company, Tim made significant strides in the industry as the Co-Founder and Managing Director of Blackstone's B2R Finance, which successfully went public as Finance of America. He also served as the Executive Director at RCN Capital, where he played a crucial role in expanding its financial services. Tim's leadership style is deeply influenced by his background as a U.S. Marine Corps Intelligence Analyst, where he honed skills in strategic analysis and disciplined decision-making. These qualities have been integral to his professional approach, allowing him to navigate complex transactions and foster growth. Aside from his professional endeavors, Tim is a dedicated family man who resides in Rockwall, Texas with his wife and two sons. His personal interests include traveling, enjoying sports, and of course, engaging in real estate ventures. Tim also shares his insights and experiences through his "Real Investing" podcast, aiming to educate and empower a new generation of investors. His commitment to innovation and community empowerment continues to make a lasting impact on the real estate industry.
Robert Greenberg
Chief Strategy Officer
Robert is a seasoned marketing and advertising veteran who has held executive-level roles in private lending for the past decade. A data-driven, strategic marketer with B2B and consumer marketing experience, Robert has a passion and proven track record of integrating new technologies to deliver strategic and innovative marketing solutions to help build brands. Prior to joining the Company, Robert was at Lima One, one of the nation’s leading private money lenders, where he was responsible for developing a new third-party origination channel providing capital from its parent, MFA Financial, to established private money lenders nationwide. Prior to Lima One, Robert was in an executive role Patch Lending, where was responsible for overseeing the company’s loan origination, branding, lead generation efforts, in addition to the company’s sales and marketing automation. He led the development and implementation of a proprietary Customer Relationship Management (CRM) and Loan Origination Software (LOS) platform that helped to deliver sales management and operational efficiencies, as well as an enhanced customer experience for its borrowers and partners.
Robert is also an alumni of the legendary Blackstone backed start-up, B2R Finance, where he helped create a technology-enhanced lending platform responsible for originating more than $1.8B of real estate investor loans that led to the industry’s first-ever multi-borrower single-family rental securitization. Robert has been married to his first wife, Cindy, for over 38 years. Interests include cycling, travel, backpacking, live music, and most bottled beverages. Robert enjoys games of skill but generally relies on luck. His best luck of all is that his two adult sons are both employed and actually enjoy spending time with him. Robert received a B.S. in Advertising from the University of Texas in Austin.
Laci Overstreet
Chief Operations Officer
Laci has over 25 years in the lending industry, is a powerhouse of productivity and expertise, and is celebrated for her unwavering commitment to her work and to those around her. Her career is distinguished not only by individual achievements but also by her dedication to fostering team growth, cultivating a culture of excellence, and driving organizational success. Known for her balance of customer service excellence, exceptional communication skills, and a profound understanding of industry complexities, Laci is a highly valued leader in her field. Laci’s impact goes beyond operational insight; her leadership is grounded in ethical practices and servant leadership, making her instrumental in advancing operational efficiencies and setting high standards in credit management. Her dedication to building strong relationships and supporting others to achieve their fullest potential has earned her respect from colleagues and partners alike. In every role, Laci combines strategic vision with hands-on leadership, embodying a commitment to excellence that makes her an invaluable asset to any team she guides. Residing in Charlotte, she remains dedicated to driving growth, fostering success, and leading with integrity.
Bryan Partridge
Chief Revenue Officer
Bryan has over 25 years of distinguished expertise in sales and management within the real estate lending landscape. He has been recognized as an innovative leader across both residential and commercial lending sectors. His career has been defined by pioneering initiatives and transformative projects, including his impactful tenure at Blackstone’s B2R Finance. At B2R, Bryan was an instrumental partner in developing the industry’s first 30-year DSCR lending product, as well as in the historic 2015 multi-borrower, single-family rental securitization, which earned the CMBS Deal of the Year. Today, as a driving force behind the Company, Bryan is focused on building a premier lending organization that anticipates and responds to the unique needs of residential real estate investors. Guided by Ternus’s commitment to speed, transparency, and dependability, Bryan is dedicated to reshaping the investment property lending space by “lending the way investors buy.” With a primary mission to simplify borrowing and elevate the customer experience, Ternus is bridging the gap in an industry primed for meaningful change. Throughout his career, Bryan has held a steadfast belief that lending should be straightforward, with a clear focus on the customer’s best interests. Driven by a genuine desire to continually anticipate and understand his customer’s needs, Bryan strives to ensure that every aspect of the lending process aligns with the unique goals of each customer. His commitment to listening, adapting, and innovating is central to his approach, as he believes the most successful solutions are built by putting the customer’s perspective and best interest at the heart of every decision. Outside his professional endeavors, Bryan enjoys quality time with his wife and two children in Cornelius, North Carolina, on Lake Norman. A passionate traveler, sports enthusiast, and avid outdoorsman, he finds joy in boating, camping, mountain biking, and exploring the scenic Western North Carolina mountains.
FAQs
Why invest in startups?
Regulation CF allows you to invest directly in startups and early-growth companies. Unlike crowdfunding platforms like Kickstarter, where you purchase products, Regulations CF offers the chance to buy equity in a company and help it grow.
How much can I invest?
Accredited investors can invest any amount of money. Not accredited investors are subject to investment limits based on either their annual income or net worth, whichever is greater. If this amount is less than $124,000, you can invest up to 5% of it. If both exceed $124,000, you can invest up to 10%.
How do I calculate my net worth?
To calculate your net worth, total all of your assets and subtract all liabilities, excluding the value of the person’s primary residence. The resulting amount is your net worth.
What are the tax implications of an equity crowdfunding investment?
We cannot offer tax advice. Please consult with your accountant or tax advisor before making an investment.
Who can invest in a Regulation CF Offering?
Anyone over the age of 18 can invest in a Regulation CF offering.
What do I need to know about early-stage investing? Are these investments risky?
Investing in early-stage companies carries inherent risks. The earlier you invest, the higher the risk, as young companies are still refining their products, services, and business models. If a company fails, your investment could lose its value. Expect limited voting power due to dilution and be prepared for a longer investment timeline—typically 5-7 years for an exit via acquisition or IPO. Early-stage investments should be part of a well-balanced portfolio.
When will I get my investment back?
The Common Stock (the "Shares") of [company name] (the "Company") are not publicly-traded. As a result, the shares cannot be easily traded or sold. As an investor in a private company, you typically look to receive a return on your investment under the following scenarios: The Company gets acquired by another company. The Company goes public (makes an initial public offering). In those instances, you receive your pro-rata share of the distributions that occur, in the case of acquisition, or you can sell your shares on an exchange. These are both considered long-term exits, taking approximately 5-10 years (and often longer) to see the possibility for an exit. It can sometimes take years to build companies. Sometimes there will not be any return, as a result of business failure.
Can I sell my shares?
Shares sold via Regulation Crowdfunding offerings have a one-year lockup period before those shares can be sold under certain conditions. The exceptions are sales to: (i) to the Company; (ii) to an “accredited investor” within the meaning of Rule 501 of Regulation D under the Securities Act; (iii) as part of an offering registered under the Securities Act with the SEC; or (iv) to a member of the Investor’s family or the equivalent, to a trust controlled by the Investor, to a trust created for the benefit of a member of the family of the Investor or equivalent, or in connection with the death or divorce of the Investor or other similar circumstance.
Are there exceptions to limitations on selling shares during the one-year lockup period?
In the event of death, divorce, or similar circumstance, shares can be transferred to: (A) The company that issued the securities, (B) An accredited investor, or (C) A family member (child, stepchild, grandchild, parent, stepparent, grandparent, spouse or equivalent, sibling, mother-in-law, father-in-law, son-in-law, daughter-in-law, brother-in-law, or sister-in-law, including adoptive relationships)
What happens if a company does not reach their funding target?
If a company does not reach their minimum funding target, all funds will be returned to the investors after the close of the offering.
How can I learn more about a company's offering?
All available disclosure information can be found on the offering pages for our Regulation Crowdfunding offering.
What if I change my mind about investing?
You can cancel your investment at any time, for any reason, until 48 hours prior to a closing occurring. If you’ve already funded your investment and your funds are in escrow, your funds will be promptly refunded to you upon cancellation. To submit a request to cancel your investment please email: [email protected]
How do I keep up with how the company is doing?
At a minimum, the company will be filing with the SEC and posting on it’s website an annual report, along with certified financial statements. Those should be available 120 days after the fiscal year end. If the company meets a reporting exception, or eventually has to file more reported information to the SEC, the reporting described above may end. If these reports end, you may not continually have current financial information about the company.
What relationship does the company have with DealMaker Securities?
DealMaker Securities is serving as the intermediary for this offering. Once an offering ends, there is no guarantee that DealMaker Securities will have a relationship with the company. The company may continue its relationship with DealMaker Securities for additional offerings in the future. DealMaker Securities’ affiliates may also provide ongoing services to the company. There is no guarantee any services will continue after the offering ends.
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Disclaimers
Equity crowdfunding investments in private placements, and start-up investments in particular, are speculative and involve a high degree of risk and those investors who cannot afford to lose their entire investment should not invest in start-ups. Companies seeking startup investment through equity crowdfunding tend to be in earlier stages of development and their business model, products and services may not yet be fully developed, operational or tested in the public marketplace. There is no guarantee that the stated valuation and other terms are accurate or in agreement with the market or industry valuations. Further, investors may receive illiquid and/or restricted stock that may be subject to holding period requirements and/or liquidity concerns.
DealMaker Securities LLC, a registered broker-dealer, and member of FINRA | SIPC , located at 4000 Eagle Point Corporate Drive, Suite 950, Birmingham, AL 35242., is the Intermediary for this offering and is not an affiliate of or connected with the Issuer. Please check our background on FINRA's BrokerCheck.
DealMaker Securities LLC does not make investment recommendations.
DealMaker Securities LLC is NOT placing or selling these securities on behalf of the Issuer.
DealMaker Securities LLC is NOT soliciting this investment or making any recommendations by collecting, reviewing, and processing an Investor's documentation for this investment.
DealMaker Securities LLC conducts Anti-Money Laundering, Identity and Bad Actor Disqualification reviews of the Issuer, and confirms they are a registered business in good standing.
DealMaker Securities LLC is NOT vetting or approving the information provided by the Issuer or the Issuer itself.
Contact information is provided for Investors to make inquiries and requests to DealMaker Securities LLC regarding Regulation CF in general, or the status of such investor’s submitted documentation, specifically. DealMaker Securities LLC may direct Investors to specific sections of the Offering Circular to locate information or answers to their inquiry but does not opine or provide guidance on issuer related matters.
This website contains forward-looking statements. These statements may include the words “believe”, “expect”, “anticipate”, “intend”, “plan”, “estimate”, “project”, “will”, “may”, “targeting” and similar expressions as well as statements other than statements of historical facts including, without limitation, those regarding the financial position, business strategy, plans, targets and objectives of the management of TERNUS CF Investors SPV, LLC (the "Company") for future operations (including development plans and objectives). Such forward-looking statements involve known and unknown risks, uncertainties and other important factors which may affect the Company's ability to implement and achieve the economic and monetary policies, budgetary plans, fiscal guidelines and other development benchmarks set out in such forward-looking statements and which may cause actual results, performance or achievements to be materially different from future results, performance or achievements expressed or implied by such forward-looking statements. Such forward-looking statements are based on numerous assumptions regarding the Company's present and future policies and plans and the environment in which the Company will operate in the future. Furthermore, certain forward-looking statements are based on assumptions or future events which may not prove to be accurate, and no reliance whatsoever should be placed on any forward-looking statements in this presentation. The forward-looking statements in this website speak only as of the date of the Company's initial Form C, and the Company expressly disclaims to the fullest extent permitted by law any obligation or undertaking to disseminate any updates or revisions to any forward-looking statements contained herein to reflect any change in expectations with regard thereto or any change in events, conditions or circumstances on which any such statements are based.
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