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Welcome to The Circle
If you’re here, you’re not looking for hype, shortcuts, or another course to sit half‑finished on your hard drive. You’re here because you want to operate at a higher level in private lending. The Circle is a private network for serious operators—brokers, dealmakers, and capital partners—who want to think like lenders, structure deals correctly, and build real momentum in their business. This is not a classroom. This is not a content dump. And it’s definitely not a “guru community.” This is a working room. Inside The Circle, we focus on: - How lenders actually underwrite deals - How capital really flows—and where it gets stuck - How to structure files that move fast instead of dying on someone’s desk - How to build repeatable deal flow and long-term credibility - How to stop guessing and start operating with discipline You’ll see real conversations, real deals, real numbers, and real expectations. What I expect from you Show up. Ask smart questions. Contribute when you can. Operate with integrity. This community works because the bar is high—and we keep it that way. What you can expect from us Clarity. Access. Straight talk. A lender’s lens on every decision that matters. Over time, The Circle is designed to become something bigger than education. It’s a network, a credential, and a pathway—for those who are ready to do the work. For now, introduce yourself: - Who you are - What part of the business you’re in - What you’re here to build - Welcome to The Circle. Let’s get to work. Tim
The Circle Update!
We would like to take this time to mention the The Circle meetings and classes will be on pause thorough the month of September as we aim to restructure the cadence and meetings to more of a centrally focused monthly webinar. This will allow members to plan more for events we host and allow Ternus to host meeting with the most impact to the operators we serve and aim to educate. There will be more to come and announcements along the way this month about the new look Circle classes and agenda items! Thank you for your patience as we aim to make this community something people want to be a contributor to for the long run.
Budgeting the Whole Deal
If you missed todays session please head over to the forms library to secure the deck where is has already been posted. Also, you can view the downloaded recording of the session here if you missed it. If you have questions or suggestions, drop some knowledge in the comments below for a fellow member!
Budgeting the Whole Deal
Budgeting the Whole Deal
Review the deck, don't let unforeseen or non contingency items eat into your profits as an operator!
The Circle > Budgeting the Whole Deal
Today at 12pm CST/1PM EST hop on to understand the "whole deal budget"! We are quick to ask about rates and points and profits, but don't forget the insurance, utilizes, and upkeep during disposition! Today we learn how to mange deals that pencil beyond the lender!
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The Circle
skool.com/the-circle
A private network for serious private lending operators to learn how capital really works, structure better deals, and earn trust through execution.
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