18 Banks onboarded

Control the funds,
see every move

Control the funds,
see every move

Replace escrow-style holding with lender controlled sub-accounts, real-time visibility and audit-ready reporting.

Replace escrow-style holding with lender controlled sub-accounts, real-time visibility and audit-ready reporting.

Lender Registration

An image of Dreelio's dashboard
An image of Dreelio's dashboard

In collaboration with

In collaboration with

HeyGen Logo

Proven Performance

Real Results

Built for Direct & Private Lenders who understand control, compliance, and capital velocity.

Built for Direct & Private Lenders who understand control, compliance, and capital velocity.

$

0

Generated Monthly

Average revenue per $425K in idle capital with zero disruption to lending operations.

0

%

Extra Fees

No hidden costs. Your capital, your control, your returns. Complete transparency.

0

%

Compliance

AI State Compliance Engine ensures regulatory adherence across all 50 states.

Open Your Account in Under 5 Minutes

Our streamlined 4-step application makes getting started effortless. From registration to approval, experience the simplest onboarding in fintech.

Simple Onboarding

Step 1: Create Your Account

Start monetizing idle escrow capital with a simple account creation process.

Step 2: Business Application

Complete the business membership application in 5-7 minutes with guided steps.

Step 3: Legal & Business Details

Provide your business information for regulatory compliance and verification.

Step 4: Representative Details

Final step: authorized representative information and you're ready to start earning.

Start your Application

Lender Stories

Text Jack, Our AI Bot

Text Jack,
Our AI Bot

Have questions? Get instant answers 24/7 from Jack, our AI-powered assistant.

Have questions? Get instant answers 24/7 from Jack, our AI-powered assistant.

877.679.6879

Available anytime to help with platform questions, account setup, or general inquiries.

Available anytime to help with platform questions, account setup, or general inquiries.

Schedule Onboarding

Calculate your Earnings

See What You're Leaving on the Table

Calculate your potential earnings with PHOCIS Tech's Treasury-backed operating system. See exactly how much revenue your idle capital could be generating.

Calculate your Earnings

See What You're Leaving on the Table

Calculate your potential earnings with PHOCIS Tech's Treasury-backed operating system. See exactly how much revenue your idle capital could be generating.

Lender Stories

Trusted by Direct & Private Lenders

Real experiences from lenders who transformed their post-close capital strategy.

Lender Stories

Trusted by Direct & Private Lenders

Real experiences from lenders who transformed their post-close capital strategy.

  • "PHOCIS Tech completely changed our post-close capital strategy. We're generating consistent returns on funds that used to sit idle, with zero impact on our lending operations. The compliance automation alone is worth its weight in gold."

    James Morrison

    CEO, Apex Capital Partners

  • "As a direct lender, control is everything. PHOCIS gives us that control while optimizing capital we never thought could work for us. The Wells Fargo custody and FDIC protection give us complete peace of mind."

    Sarah Kim

    CFO, Ironclad Lending Group

  • "The digital clearing platform transformed how we think about escrow. We're generating $8K+ monthly on capital that was previously earning nothing. Implementation was seamless, and the compliance automation is industry-leading."

    Robert Chen

    ManSterling Bridge Capital

  • "PHOCIS Tech completely changed our post-close capital strategy. We're generating consistent returns on funds that used to sit idle, with zero impact on our lending operations. The compliance automation alone is worth its weight in gold."

    James Morrison

    CEO, Apex Capital Partners

  • "As a direct lender, control is everything. PHOCIS gives us that control while optimizing capital we never thought could work for us. The Wells Fargo custody and FDIC protection give us complete peace of mind."

    Sarah Kim

    CFO, Ironclad Lending Group

  • "The digital clearing platform transformed how we think about escrow. We're generating $8K+ monthly on capital that was previously earning nothing. Implementation was seamless, and the compliance automation is industry-leading."

    Robert Chen

    ManagSterling Bridge Capital

Schedule Onboarding

This Isn't Just Another Escrow It's a Solution That Works.

This Isn't Just Another Escrow It's a Solution That Works.

Replace escrow-style holding with lender controlled sub-accounts, real-time visibility and audit-ready reporting.

Replace escrow-style holding with lender controlled sub-accounts, real-time visibility and audit-ready reporting.

Schedule Onboarding

⚡Get INSTANT Access