earn

Unlock low-cost and
efficient capital

Earn 3.00% on your idle cash and  reduce your cost of capital*

Get started
Utku Zihnioglu
CEO Webshare

Capchase Earn gives us the flexibility to make our original revenue financing capital a little bit cheaper which is a big benefit for us. It means we can extend our runway that little bit longer.

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Customer Stories

1,000+ customers are using Capchase to fuel their growth. Come get inspired.

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Earn 3.00% on your idle cash*

Feel confident that your idle cash is bringing you the highest return anywhere on the market.

100% deposit insurance

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1

FDIC and DIF insurance
Your account is backed by FDIC and DIF insurance. The FDIC insures up to $250,000 and DIF insures the rest.**

2

Access at any time
With no minimum lockup period, your funds are always accessible to you at any time.

3

No fees, ever
Feel confident that you will not be charged any fees, ever.

Unlock low-cost capital in3 steps

1

Fund your account

Park your idle cash and earn 3.00% in a fully insured account.*

2

Calculate your net cost of capital

Offset your cost of capital through earnings from your account.

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3

Fuel growth with low-cost, efficient capital

Combine Capchase Earn and Capchase Grow to unlock growth capital at a low price and increase your runway.

Capchase Earn gives us the flexibility to make our original revenue financing capital a little bit cheaper which is a big benefit for us. It means we can extend our runway that little bit longer.

Image of CEO
Utku Zihnioglu
CEO Webshare

FAQs

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How much can I earn?

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%.

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When am I paid my earnings?

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

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Is Capchase Secure?

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.

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What is DIF?

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.

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Do I have to already be using your Grow product to be eligible?

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.

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How are my earnings calculated?

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.

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How quickly can I withdraw a portion or all of my balance?

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.

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Is there a minimum lockup period?

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.

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Are there any minimum or maximum funding amounts?

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

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What countries do you support?

Capchase Earn currently only supports the United States.

Have a different question?
Contact us

Let your idle cash work for you

* 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%. The payment is not bank interest and is not an annual percentage yield. Capchase Earn payments can be discontinued, restricted, or modified at any time.
** Deposit services are provided by BankProv and held in a non-interest bearing account insured by both the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF).