IntraFi Funding’s tailored funding structures enable organizations of all sizes to purchase cost-effective wholesale or retail funding — deposits, not borrowings — all without the hassle of credit lines, collateralization, or stock purchases.
Get RatesICS® One-Way Buy®, CDARS® One-Way Buy®, Insured Overnight Funding®, and IND® are now IntraFi Funding.
Take advantage with IntraFi Funding.
IntraFi NetworkSM has the scale to be a strategic partner for even the largest bank’s funding and capital management needs, or for the smallest. A wide range of wholesale funding and retail options are available, and banks can utilize single or multiple offerings and switch between them, as desired. With IntraFi Funding, your bank can enjoy advantages over traditional bank funding alternatives.
IntraFi Network's Wholesale and Retail Funding Options Offer Advantages
Traditional Wholesale Alternatives:
Advantages of IntraFi Network Offerings:
FHLB Advances: overnight or term, secured borrowings
Counts as a deposit, not borrowings
Requires no collateralization or stock purchases
Options include: fixed- or floating-rate funding for overnight, custom, or standard term
Brokered CDs: term, fixed-rate, unsecured deposits
Process is simple and quick (an at-will "auction" — request funds on Wednesdays, settle next business day)
Price equals the all-in cost
Scale of bank network tends to result in better market depth and breadth for terms less than 5 years
Option: fixed-rate, fixed-term
Correspondent Banks: overnight line of credit
Counts as a deposit
Does not require collateralization or establishment of a credit line
Is not subject to fees or the counterparty risk associated with lines of credit
Option: overnight
Subordinated Debt: fixed-to-floating borrowing (can enhance capital ratios)
Offered at much lower cost — pricing is not subject to bank rating and there are no advisor fees — and with faster settlement
Options include: fixed- or floating-rate funding for overnight, custom, or standard terms
Fed Funds Purchased: overnight, unsecured borrowing
Counts as a deposit
Incurs no counterparty risk
Settles late-day
Option: overnight
What network members are saying about IntraFi Funding.
It’s really important for us to have a stable, reliable, accessible, and nimble source of funding at a reasonable price, and that’s something that [IntraFi] provides for us.
IntraFi Funding case studies.
Achieve fixed-rate funding with an interest-rate swap.
A $250 million bank needed more long-term, fixed-rate liability exposure. The bank’s deposit base was heavily weighted toward short-term, retail time deposits, and the bank needed protection in a rising-rate environment. The bank was looking for $5 million in 3-year funding.
Bank uses IntraFi Funding to complement FHLB advances and diversify funding Sources
A $20 billion bank was trying to diversify its wholesale funding by supplementing its FHLB advance position. It began laddering brokered CDs with maturities inside of one year and was having trouble finding cost-effective volume.
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IntraFi Repo℠
Build and protect lucrative relationships by offering institutional customers daily liquidity, a return, and the safety of having their funds backed by U.S. Treasuries or by Agency MBS.
