Our core focus is supporting banks and credit unions around the country who require access to a larger balance sheet in order to scale their depositor base. With access to our unlimited balance sheet, El Capital Advisors (El Cap) clients have no limitations on account size or number of accounts. This access provides El Cap clients the ability to hold excess balances off balance sheet with no deposit caps or fear of losing a client due to the larger client’s deposit flows and/or larger capital raises. The El Cap platform allows banks and credit unions the ability to reduce their overall deposit concentration and increase their balance sheet capacity, while offering their depositors same day liquidity for access to funds. Funds are held in yield generating Money Market accounts until funds need to be returned to the referring bank or credit union.