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With PHOCIS Capital™ You Are The Bank

Clearing Accounts: The Essential Solution for Modern Lending. PHOCIS Capital™ transforms Hold-Back and Post-Closing Funds into perpetual revenue, setting the new industry standard.

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Digital Clearing Platform

Revolutionizing fund management, our platform streamlines the creation of Clearing Accounts, enabling lenders to monetize Hold-Back, Post-Closing, and Construction funds effortlessly.
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Interest-Bearing Clearing Accounts

A groundbreaking approach that allows Direct Lenders to earn monthly perpetuity based on account balances, maximizing their revenue streams.  
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Automated Account Creation

With our streamlined process, new Clearing Accounts can be set up and cleared within 48 hours, providing unparalleled efficiency for lenders.
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US Government T-Bill Accruals

Clearing Accounts accrue revenue from U.S. Government T-Bills, ensuring a secure and consistent return on funds.
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Zero-Fee Transactions

Our platform offers no fees for wires, account openings, or closings, significantly reducing operational costs for lenders.
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FDIC-Insured Accounts

Every account is FDIC-insured, providing an added layer of security and peace of mind for lenders.
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2023©  PHOCIS Capital™ connects
Lenders to their holding accounts via API.
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Investment Advisory Notice: PHOCIS Capital® technology is designed to optimize financial management for private lenders, offering innovative solutions through our Digital Clearing Platform. Banking services are provided in partnership with Wells Fargo, N.A., an FDIC-SiPC insured institution. Investing involves risk, including the potential loss of principal. Past performance is not a guarantee of future returns. PHOCIS Capital® does not provide investment advisory or brokerage services. All funds are securely managed within regulated banking environments in compliance with U.S. financial laws and industry best practices. For questions regarding our platform, please contact support@phociscapital.com.

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At PHOCIS Capital™, we’re reshaping the way lenders manage their funds through our cutting-edge Digital Clearing Platform. Our platform simplifies and accelerates the creation of Clearing Accounts, making it easier than ever for Direct and Private Lenders to optimize their financial strategies.

 

Traditionally, managing Hold-Back, Post-Closing, and Construction funds has been a cumbersome process, often resulting in missed opportunities for growth. With our platform, these challenges are a thing of the past. Lenders can now seamlessly establish interest-bearing accounts that generate monthly perpetuity from their balances. Our streamlined process ensures that new accounts are cleared and ready to go within just 48 hours—no more waiting, no unnecessary fees.

 

Plus, every account is secured with FDIC insurance and benefits from the accrual of revenue via U.S. Government T-Bills, providing peace of mind and consistent returns. At PHOCIS Capital™, we’re not just offering a service; we’re providing a

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Unlock the full potential of your funds with PHOCIS Capital™’s Interest-Bearing Clearing Accounts, a revolutionary solution designed specifically for Direct Lenders. Our Clearing Accounts offer a unique opportunity to earn monthly perpetuity, turning what were once dormant or underutilized balances into steady, reliable revenue streams.

 

Unlike traditional accounts that yield minimal or no returns, our interest-bearing accounts are designed to maximize your earnings by leveraging U.S. Government T-Bills. This means your funds aren’t just sitting idle—they’re actively working for you, accruing interest and generating consistent monthly income. This innovative approach provides lenders with a competitive edge, enhancing their financial strategy and increasing profitability without additional effort.

 

With no fees for wires, account openings, or closings, our Clearing Accounts offer a hassle-free experience. Additionally, every account is fully insured by the FDIC, ensuring that your assets are not only profitable but also secure.

 

Whether you’re managing Hold-Back, Post-Closing, or Construction funds, PHOCIS Capital™ makes it simple to put your money to work. Discover how our Interest-Bearing Clearing Accounts can help you optimize your cash flow, boost your earnings, and drive financial success like never before.

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Say goodbye to the lengthy, complex processes of the past. At PHOCIS Capital™, we’ve developed an automated account creation system that redefines efficiency for Direct and Private Lenders. Our streamlined process ensures that new Clearing Accounts can be set up and fully cleared within just 48 hours, significantly faster than traditional methods.

 

This rapid setup allows lenders to start monetizing Hold-Back, Post-Closing, and Construction funds almost immediately, avoiding the typical delays that can impact cash flow and profitability. Our intuitive platform guides you through each step, eliminating the usual administrative burdens and reducing the potential for errors or bottlenecks.

 

From account initiation to clearing, our automated system handles the heavy lifting, freeing you to focus on what matters most—growing your business and maximizing your returns. Plus, with no fees for account openings, wire transfers, or closings, our process is not only fast but also cost-effective.

 

Experience unparalleled efficiency and get your accounts up and running in record time with PHOCIS Capital™. Discover how our Automated Account Creation can transform your lending operations, giving you the speed and flexibility to capitalize on every opportunity.

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At PHOCIS Capital™, security and consistent returns are at the forefront of our Clearing Accounts. Our accounts are designed to accrue revenue from U.S. Government Treasury Bills (T-Bills), one of the most secure and reliable investment vehicles available. By integrating T-Bill accruals into our platform, we offer lenders a dependable way to generate income on their funds with minimal risk.

 

U.S. Government T-Bills are backed by the full faith and credit of the U.S. government, making them a stable choice for investors seeking safety alongside growth. By tying our Clearing Accounts to these T-Bills, we ensure that your funds are not only protected but also actively working to provide consistent returns. This approach transforms your idle funds into a productive asset, delivering regular interest payments that contribute directly to your bottom line.

 

Our commitment to maximizing lender revenue doesn’t stop at just creating accounts—it’s about making sure every dollar is optimally utilized. With T-Bill accruals, your funds benefit from a secure, low-risk investment that keeps your financial strategy on track, even in uncertain market conditions. Discover the peace of mind and profitability that come with PHOCIS Capital™ Clearing Accounts and start earning consistent returns today.

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At PHOCIS Capital™, we believe that managing your funds should be straightforward and cost-effective. That’s why our platform offers zero-fee transactions across the board. Whether it’s wires, account openings, or closings, you won’t find any hidden fees or unexpected charges. This commitment to fee-free transactions means that lenders can significantly reduce their operational costs and focus on what truly matters—growing their business and maximizing profitability.

 

Traditional banking and fund management often come with a range of fees that can quickly add up, eating into your margins and complicating your financial planning. With PHOCIS Capital™, we’ve eliminated these unnecessary expenses, providing a transparent and efficient platform that puts your interests first. Our zero-fee policy extends to every transaction, ensuring that every dollar you save goes directly back into your bottom line.

 

By choosing PHOCIS Capital™, you gain access to a platform designed to optimize your financial strategy without the burden of extra costs. Experience the freedom of zero-fee transactions and discover how our innovative approach can streamline your operations, enhance your profitability, and simplify your account management. Start saving today with PHOCIS Capital™—where efficiency meets cost-effectiveness.

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Security is a top priority at PHOCIS Capital™, which is why every Clearing Account we offer comes with FDIC insurance. This added layer of protection provides peace of mind for lenders, knowing that their funds are safeguarded by the full faith and credit of the U.S. government. With FDIC insurance, your assets are protected up to the maximum limit, ensuring that your money remains secure no matter what.

 

In an industry where trust and security are paramount, our commitment to offering FDIC-insured accounts sets us apart. This insurance coverage not only protects your deposits but also reinforces the stability and reliability of our platform. Whether you’re managing Hold-Back, Post-Closing, or Construction funds, you can rest easy knowing that your accounts are fully insured against loss.

 

Choosing PHOCIS Capital™ means choosing a partner that prioritizes your security and financial well-being. Our FDIC-insured accounts provide a strong foundation for your lending operations, allowing you to focus on growing your business without the worry of financial risk. Discover the confidence that comes with FDIC insurance and experience the secure, innovative solutions that PHOCIS Capital™ offers to Direct and Private Lenders.