F*ck Big Banks: How This Man is Flipping the Lending System | Tim Herriage

In this episode, I sit down with my good friend and industry powerhouse Tim Herriage, the founder of Ternus. We dive deep into how he went from helping bring Wall Street money into real estate to now flipping the script and decentralizing the entire lending model. Tim shares how Ternus is making real estate investing easier and faster with 100% financing, 24-hour draw payments, and a no-nonsense, people-first approach. We talk about why he built Ternus for real investors—by real investors—and how anyone, not just institutions, can now own a piece of the lending game through their new crowdfunding model. If you're tired of big banks and slow lenders, this episode is for you. -- About Tim Herriage: ​Tim Herriage is a seasoned real estate entrepreneur and investor with over two decades of experience in the industry. As the Founder and CEO of Ternus, he leads a company dedicated to providing fast and reliable capital to real estate investors, emphasizing a partnership approach to help clients build wealth and create lasting legacies. Resources & Links: Learn more & apply: https://ternus.comInvest & become a shareholder: https://invest.ternus.com Instagram: @timherriage LinkedIn: linkedin.com/in/timherriage​ YouTube: youtube.com/c/timherriage​ Facebook: facebook.com/herriage -- Thank you to our partners for supporting today's episode! Empowered Investor LIVE! - Take control of your financial future with top real estate experts, builders, lenders, and investors. Join Us at Empowered Investor Live – April 4-6, 2025, in Irvine, CA! Spots are limited – grab your ticket now! 👉 Get Tickets Joe Homebuyer – Want to scale your real estate business fast? Get expert training, weekly coaching, and a proven system to close more deals. High achievers even qualify for luxury rewards! Learn more at joehomebuyer.com. 📊 Quality Skip – More accurate data means more deals! Get premium skip tracing for just 6 cents per match and connect with the right sellers every time. Use code "SOF" for 10% off at qualityskip.com! Mando Whole Body Deodorant – Stay fresh and confident with Mando's doctor-developed, aluminum-free deodorant. Clinically proven to block odor for up to 72 hours, it's safe for use anywhere on your body. Use code 'COLBY' for $5 off a Starter Pack! -- About Justin: After investing in real estate for over 17 years and almost 3000 deals done, Justin has created a business that generates 7 figures in active income through wholesaling and fix and flipping as well as accumulating millions of dollars of rental properties including 5 apartment buildings, 50+ single family homes, and 1 storage facility Justins longevity in real estate is due to his ability to look around the corners, adapt to changing markets, perfecting Raising private capital, and focusing on lead generation which allows him to not just wholesale and fix & flip, but also accumulate wealth through long term holds. His success in real estate led him to start The Entrepreneur DNA podcast and The Science Of Flipping podcast and education company, and REI LIVE where he’s actively doing deals with members. He has coached and mentored thousands of aspiring and active investors over the last decade. Connect with Justin: Instagram: @thejustincolby​ YouTube: Justin Colby​ TikTok: @justincolbytsof​ LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.