Banking for
hard money lenders.

Apply in 10 minutes for business banking that transforms how you operate.

InstaFi is a financial technology company, not a bank. Banking services provided by BOC Bank, Member FDIC.

All your financial workflows. One platform.

Everything you need to control spend before it happens and empower teams confidently.

Corporate cards Spend smart globally with powerful cards and built-in controls.

Control spend Manage card spend with flexible limits and advance funds in real time, instantly.

Receive realtime updates Collaborate with borrowers seamlessly through regular project updates.

Banking and treasury Save, spend, and grow your cash with 4.90% yield — from day one.

Supercharge your

operations.

client loyalty.

growth.

Build control into the card, before spend even happens.

Fix & Flip

$2000 $8000

New Construction

$2000 $8000

Earn 5.00% yield
instantly.

Maximize your cash flow with auto transfers and 100% liquidity. It’s simple, fast, and hassle-free.

Maximize earnings with no minimums or fees
Earn up to 5.00% yield with 100% liquidity
Use auto transfers to earn on unused operating cash

Built to scale with you at every stage of growth.

Emerging lenders, regional powers, national leaders—our industry-leading solutions are designed for your hard money lending success. When you win, we win.

Emerging lenders

We enable you to offer branded cards, and supercharge your tech stack to your borrowers. Increase client loyalty and growth, in a competitive market.

Midsize lenders

Scale your lending operations. Optimize your growing lending business with advanced features, scalable infrastructure, and detailed analytics to support your expansion.

Enterprise lenders

Drive excellence in national lending. Manage extensive loan portfolios with enterprise-grade solutions that simplify compliance, enhance borrower experiences, and support strategic growth.

Bank with complete confidence.

FDIC Insurance

Regulated Partners

Account Security

Step Into the Future of Lending.