Ternus

About the offering

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. 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 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.

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