The size and scale your bank requires.
IntraFi® is a leading source of overnight and term funding options and has the scale to be a strategic partner for even the largest bank’s funding and capital management needs. We offer on/off-balance-sheet flexibility, higher capacity, and greater stability and reliability compared to other funding providers.
Funding comes from banks and brokerage firms that are members of IntraFi’s network of financial institutions—the largest network of its kind, with large brokerage firms and thousands of banks and a reach that extends to every state. With its size and scale, IntraFi’s network of financial institutions equips IntraFi to deliver funding solutions for large institutions. Hundreds of billions in funding are available.
IntraFi's Wholesale Funding Sources
As of June 30, 2020.
Wholesale funding with core-like stability.
IntraFi’s wholesale funding is sourced from a wide array of relationship deposits, including retail investors, as well as businesses, public entities, nonprofits, foundations, and more.
The diversity of deposit funding from bank and brokerage customers, placed into MMDAs, DDAs, and CDs, can help your bank weather market stresses, such as industry-specific events, interest rate changes, equity market movements, and credit environment fluctuations.
Funding solutions from IntraFi compare favorably to other solutions.
Funding solutions from IntraFi compare favorably to FHLB advances, brokered CDs, correspondent bank lines of credit, subordinated debt, and Fed Fund Purchased. It offers fixed- or floating-rate pricing, overnight or term options, or millions or billions of dollars. In addition, IntraFi Funding can offer particularly attractive pricing for large funding needs. Unlike funding from other sources, IntraFi's funding solutions:
A high degree of flexibility to meet customer and balance sheet demands.
Banks use IntraFi’s all-weather portfolio of options to fund cash flow swaps and large portfolios of amortizing loans; replace seasonal deposits; manage interest rate risk using long-term, fixed-rate funding; and more.
With its short- and long-term funding availability, multiple billions of dollars of capacity, ability to link to any index, and flexible terms, IntraFi Funding can help your bank meet its customer and balance sheet demands throughout the business cycle.
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.
Use an Interest-Rate Swap to Achieve Fixed-Rate Funding
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.