PHOCIS Tech© is reengineering post-close capital infrastructure for Direct & Private Lenders.

While banks rely on escrow to warehouse funds that benefit them—not you—we built a modern alternative: FDIC-insured Clearing Accounts held under your EIN, powered by Wells Fargo custody, and 100% compliant with state-specific trust-fund rules.

We didn’t touch your underwriting. We didn’t change your borrower flow. We just fixed the broken back end lenders have been forced to live with for decades.

PHOCIS accounts are structured for:
• Draw-based Construction Loans
• Rehab Holdbacks
• Fund Control & Servicing Transfers
• JV Operating Accounts
• Interest-Bearing Reserve Accounts

All of it sits inside a digital command center with real-time dashboards, reconciliation tools, and role-based permissions. Lenders gain visibility, control, and—finally—a return on capital that’s been sitting idle for years.

No broker. No co-mingling. No speculative rails. Just your funds, your structure, your compliance — monetized.

Whether you’re managing $5M or $500M, our model keeps you compliant with DRE, DFPI, and state-by-state overlays, while preserving full separation of funds and digital audit trails. We store 7+ years of records, support dual authorization, and allow monthly interest payments directly back to your entity.

Our clients aren’t chasing trends. They’re reclaiming control.

📞 Book a 10-minute walkthrough. We’ll show you how to stop subsidizing the bank—and start running one. Linked here: https://outlook.office.com/bookwithme/user/4d54f1811c564c148088c8756b41218a%40phociscapital.com/meetingtype/bA7h8r5pJEOsG3l3enYXiQ2?anonymous&ismsaljsauthenabled=true

PHOCIS Tech©

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PHOCIS Tech©

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