Compliance | Security | Revenue

With PHOCIS Tech© — You Are the Bank.

Our Clients Don't Ask for Permission.

PHOCIS Tech™ redefines revenue for Direct Lenders across North America, transforming Hold-Back & Post-Closing Funds into income. Welcome to the future of Direct Lending.

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Onboarding Built for Speed

No long forms. No phone tag. No waiting for someone to call you back. At PHOCIS Tech©, onboarding is fully digital — and fully guided by AI Nate, your virtual CEO.

Onboarding Preview
Onboarding Preview

Command Central Dashboard

Every tool you need — zero clutter. From Sub-Accounts to Support Tickets, your command center is one click away. No searching. No waiting.⏱ Under 60-minute response times guaranteed.

Break down funds by property, borrower, or draw.

Each loan gets its own digital track — no co-mingling, full audit trail, and clear visibility for internal or investor reports.

Onboarding Preview
Onboarding Preview

APY-Tracked Accounts

Your funds don’t just sit — they grow.

REVENUE CALCULATOR

Welcome to our Revenue Calculator! This tool is designed to help you quickly and accurately calculate your revenue based on your specific inputs. Whether you're a business owner, an entrepreneur, or just someone looking to crunch some numbers, our calculator makes it easy to see your potential earnings.

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(Loan amount is too low, Loans starts at $10,000)
Month Monthly Balance 1.00% APY - Lender Revenue*
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Total Revenue

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*Disclaimer: Calculated earnings are estimates and may vary based on actual account balances, market conditions, and APY adjustments. Earnings are not guaranteed and are subject to change. Please consult with PHOCIS Tech™ for personalized financial projections.
What is your "Hold-Back" amount
Loan Amount (Loan amount is too low, Loans starts at $10,000)
Number of Months
*Disclaimer: Calculated earnings are estimates and may vary based on actual account balances, market conditions, and APY adjustments. Earnings are not guaranteed and are subject to change. Please consult with PHOCIS Tech™ for personalized financial projections.

Meet the Visionaries Behind PHOCIS Tech

At PHOCIS Tech™, we proudly stand behind those who have served our nation. One of our Founding Partners is a Veteran of the United States Marine Corps, and this commitment to service drives everything we do. As part of our mission to give back, we pledge 5% of our annual revenues to building tiny homes for United States Veterans, ensuring they have the support and dignity they deserve.

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The Minds Shaping Our Digital Future

At PHOCIS Tech™, we celebrate diversity and the power of unique perspectives. One of our Founding Partners is a Black woman hailing from the islands, bringing a wealth of experience and a deep commitment to community upliftment. Her journey inspires us all, and she is dedicated to giving back to her community, ensuring that the impact of PHOCIS Tech™ reaches far beyond our business, extending to the places and people she holds dear.

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The Creative Forces Driving PHOCIS Tech

Our Clearing Platform at PHOCIS Tech™ was brought to life by our lead developer, who hails from Pakistan and currently resides in Manchester, England. His journey is a testament to dedication and the pursuit of excellence. With a deep commitment to creating something bigger than himself, he has been instrumental in building a platform that reflects our values of innovation and community impact, bridging continents and ideas to deliver groundbreaking solutions.

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Our Global Team: Crafting Innovation Together

At PHOCIS Tech™, we are deeply aware of the footprint we leave in the market and the lasting impact of our work. Expanding a brand-new way of looking at revenue can be daunting, but we see it as an opportunity to create meaningful change. By offering better rates for builders, reducing expenses for the build, and ultimately lowering costs for the final user, we are contributing to something far greater than just financial success.

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Building the Future: The Team Behind the Scenes

Our website's stunning digital presence is crafted by a talented designer from Delhi, India. With a keen eye for detail and a passion for visual art, he works tirelessly to bring our vision to life online. His dedication ensures that every element of our website not only looks beautiful but also aligns perfectly with the values and mission of PHOCIS Tech™, creating an engaging experience for all who visit.

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PHOCIS Friday's

Don't just take our word for it

We're thrilled to welcome Blue Ridge Lending from Asheville, NC, to the PHOCIS Tech™ family! Thanks to our Holding Platform, they now offer zero fees for wire transfers, account openings, and closings—saving nearly 7.0% of the Hold-Back amount and benefiting builders with 10% less financing costs.

This week, we're excited to feature our newest client: Coastal Capital Lending from stunning Manhattan Beach, CA! Thanks to the PHOCIS Tech™ Holding Platform, Coastal Capital Lending is now offering their clients ZERO ORIGINATION FEES!

Excited to spotlight Elite Funding Solutions from Austin, TX! Game-Changing: They're shaking up New Construction Loans by offering NO interest-only payments for the first 3 months! Boosted Growth: This strategy is set to drive a surge in new projects and expand their client base.

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Jack AI Bot

Welcome to PHOCIS Tech™! I'm Jack, your AI assistant. How can I help you today?