Fixing a Broken Lending System | Tim Herriage on Ternus with Jeff “Fuzzy” Wenzel.
In this episode of Invst Guru, host Jeff “Fuzzy” Wenzel sits down with Tim Herriage, founder of Ternus, to discuss how his company is rebuilding real estate lending around speed, trust, and community ownership.
Tim shares his journey from Marine to real estate investor, lender, corporate executive, and founder. After running major lending institutions and helping take a company public with Blackstone, Tim saw firsthand how institutional lending became misaligned with Main Street investors. That realization led to the creation of Ternus, a customer-owned lending platform designed to support real estate investors rather than extract value from them.
In this episode, you’ll learn:
• Why traditional real estate lending no longer works for most investors?
• How does Ternus remove red tape to close loans in days instead of weeks?
• Why are most Ternus investors also Ternus customers?
• Why are most Ternus investors also Ternus customers?
• How do fix-and-flip loans serve as the company’s core product?
• How asset-based lending reduces risk and protects capital?
• Why community ownership matters more than institutional profits?
• How AI and technology are reshaping private real estate lending?
• How does Ternus manage risk through conservative leverage and short loan terms?
• What investors should understand about the holding, recycling, and preservation of capital?
Tim also explains how Ternus uses equity crowdfunding to align customers, investors, and operators around a single mission, creating a lending platform that feels more like a credit union than a Wall Street bank.
✔️ Real estate investors.
✔️ Founders and operators.
✔️ Retail and accredited investors.
✔️ Anyone interested in alternative lending.
✔️ People curious about community-owned financial platforms.
🔗 Learn More About Ternus
Visit https://invest.ternus.com/ to explore the active investment offering, review documents, join upcoming webinars, and learn how Ternus is building a customer-owned lending platform. You can also reach the team directly at [email protected] for investor questions and additional information.
🎙️ About Invst Guru
Invst Guru, hosted by Jeff “Fuzzy” Wenzel, features in-depth conversations with founders and operators building real companies across finance, real estate, technology, healthcare, and consumer industries.
“Disclaimer: This content is provided for informational and educational purposes only and should not be construed as investment advice or a solicitation to invest. Invst Guru and its affiliates are not broker-dealers or investment advisers and do not make recommendations regarding any securities.
If any company mentioned is conducting a Regulation Crowdfunding (Reg CF) raise, all investments must occur through an SEC-registered intermediary platform such as DealMaker Securities, StartEngine, Republic, or Wefunder. No investment terms or returns are discussed here.
Investing in private and early-stage companies involves significant risk, including loss of capital and illiquidity. Past performance is not indicative of future results. Always conduct your own due diligence and consult a licensed financial advisor before investing.
All opinions expressed by guests are their own and do not represent endorsements or partnerships by Invst Guru.”