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Funding solutions from IntraFi — A one-stop shop for all funding needs.

IntraFi'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.

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Take advantage with IntraFi's funding solutions.

IntraFi® 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's funding solutions, your bank can enjoy advantages over traditional bank funding alternatives.

IntraFi’s Wholesale and Retail Funding Options Offer Advantages

Traditional Wholesale Alternatives: 

Advantages of IntraFi 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 funding solutions from IntraFi:

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.

Charles Levingston

Executive Vice President, CFO, Eagle Bank


Case studies: IntraFi's funding solutions

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