Unlock low-cost and
efficient capital

Capchase will apply a monthly payment to your Capchase Earn account based on the average daily balance of your account at an effective annualized rate of 3.00%.

Earnings are paid on the 1st day of every month to your Capchase Earn account.

Your money is safe and secure at our Bank Partner, BankProv, backed by both FDIC and DIF.

Bankprov is a member of both the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). The FDIC insures each depositor to at least $250,000, and DIF insures the rest – down to the last penny.

DIF, which has been insuring deposits since 1934, is a private, industry-sponsored insurance fund that insures all deposits above the $250,000 FDIC limit. This means your deposits are 100% insured. No depositor has ever lost any funds insured by both the FDIC and DIF. As an added bonus, DIF requires no applications or special forms of coverage. You automatically receive this added insurance benefit when you hold deposits at BankProv.

The DIF is a private, industry-sponsored excess insurance fund that insures all deposits above FDIC limits at Massachusetts-chartered savings and co-operative banks. The DIF has been insuring deposits since 1934. All DIF member banks are also members of the FDIC but not all FDIC member banks are DIF banks. Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the DIF.

The combination of FDIC and DIF insurance allows us to provide our customers with full deposit insurance on all their deposit accounts at no additional cost. No depositor has ever lost a penny in a bank insured by both the FDIC and the DIF.

While you can open the Earn account standalone, we strongly recommend you consider how the Earn account works in tandem with other Capchase financing products, especially with Capchase Grow.

Capchase will apply a monthly payment to your Capchase Earn account based on the average daily balance of your account at an effective annualized rate of 3.00%.

Each day, you will accrue a portion of those earnings equally over the days in the calendar year. Each month, you will receive a payout to your Capchase account based on the number of days in that month. As an example, if you fund an Earn account with $1,000,000.00 for 12 months, you will receive a total of $30,000.00 by the end of a 12 month period.

You can access 100% of your funds on a daily basis and can initiate a request to withdraw at any time.
When you initiate a withdraw, your request will be processed as soon as it is received. Typically, funds transfers take between 1-3 business days due to processing via payment networks and banking systems.
Any requests coming in after 5 PM ET may be processed the following business day.
To ensure your funds have successfully processed and settled in your Capchase Earn account, you can withdraw the latest amount deposited after at least 7 calendar days after the funds were deposited.
If you require funds right away for an emergency, please reach out to us as soon as possible, so that we can initiate a wire transfer for expedited transfer.

No, there is no minimum lock-up period. You have access to 100% of your funds on a daily basis.

When you initiate a withdraw, your request will be processed as soon as it is received. Typically, funds transfers take between 1-3 business days due to processing via payment networks and banking systems.

Any requests coming in after 5 PM ET may be processed the following business day.

To ensure your funds have successfully processed and settled in your Capchase Earn account, you can withdraw the latest amount deposited after at least 7 calendar days after the funds were deposited.

‍

The minimum amount an account may be funded with is $100,000.00. Our maximum funding amount is $5,000,000.00.

Capchase Earn currently only supports the United States.