---
title: "Robora - Commercial real estate cash management"
description: "Turn idle cash into earning assets. Robora helps commercial real estate firms earn up to 3.36% APY on operating capital, reserves, and excess funds, with tens of millions in FDIC coverage."
url: https://www.roborafinancial.com/cre
---
Built for Commercial Real Estate Firms
# Maximize your bank accounts with higher deposit yields.
Your operating capital, reserves, and excess funds could be earning **3.36% APY1** instead of sitting dormant.
[Meet with us](#booking)
TRUSTED BY
TRUSTED BY
The Hidden Cost of Low-Yield Accounts
## Your Deposits Can Work for You, Not Banks
Many real estate firms leave millions in operating capital and reserves earning near-zero interest. See what you're missing. Robora enables you to earn more on the cash you already manage across operating accounts, reserves, and excess funds. Without changing how you bank today.
Total Cash Holdings
Typical Bank (0.25% APY)$5,000/yr
Robora (3.36% APY1)$67,200/yr
You're Missing Out On
$62,200
per year in potential earnings
This calculation assumes constant balance and rates. Actual earnings may vary.
[Schedule a Demo](#booking)
60-Second Explainer
## See Robora in action
From idle deposits to higher yield, here's the whole idea in under a minute.
Unified Dashboard
## All Your Accounts. One View.
See balances, transactions, and cash flow across all properties in a single dashboard. No more juggling multiple bank logins or spreadsheets.
* Updated balances across all properties
* Complete transaction history at each bank account
* Cash flow charts and visualizations
* Property-level breakdowns
* Export statements for accounting
Security You Can Trust
## Millions in Aggregate FDIC Insurance2
Protect company funds with insurance well over $250K.
Standard FDIC
$250,000
With Robora
Millions2
Through our partner bank network, we spread your deposits across multiple FDIC-insured institutions, providing coverage far beyond the standard $250K limit.2
* ### Extended FDIC Coverage
Access tens of millions in aggregate FDIC insurance through our partner bank, OMB Bank, and the IntraFi network.
* ### Trusted Bank Partners
Your funds are held with FDIC-insured depository institutions. Banking services provided by OMB Bank, member FDIC.
* ### Secure Account Linking
Bank-level security powered by Plaid for secure account connections. Identity verification through Alloy.
Bank Network
Chase
Bank of America
Wells Fargo
U.S. Bank
PNC Bank
Truist
Regions Bank
First Horizon
Chase
Bank of America
Wells Fargo
U.S. Bank
PNC Bank
Truist
Regions Bank
First Horizon
Secure Account Linking
FDIC Member Banking Partner
Identity Verification
[Schedule a Demo](#booking)
\*Your funds are held with FDIC-insured² depository institutions, not with Robora. Robora is not a bank. We are a financial technology company and your "robo" cash advisor empowering the ability to find safe, high-yielding returns. Banking services are provided by OMB Bank, member FDIC, and OMB Bank will place deposits through IntraFi's ICS service, which is the largest bank network of its kind, and subject to the ICS Deposit Placement Agreement. Certain conditions must be satisfied for "pass-through" FDIC deposit insurance coverage to apply.
Flexible Use Cases
## One Platform, Three Ways to Use It
Robora connects to your existing banks and helps you earn more on idle cash. Use it for operating excess, reserves, or treasury.
### Operating Account Optimization
Sweep excess cash from your operating accounts automatically or manually
* Set up automated or manual sweeps
* Keep your existing bank relationships
* Earn 3.36% APY1 on idle operating funds
* No change to your daily workflows
### Reserve Fund Yield
Park CapEx reserves and insurance funds to earn more
* Perfect for long-term capital reserves
* Same-day ACH transfers when you need liquidity
* Higher yields than traditional bank accounts
* No lock-up periods or penalties
### Treasury Management
Manage treasury accounts for multiple properties in one place.
* Connectivity hub across all accounts and banks
* Single dashboard
* Cash balances aggregated
* Track by property or fund purpose
* Easy compliance and reporting
* Minimum cash balance recommendations
Simple Setup
## Get Started in Minutes, Not Days
No need to change your existing banking relationships. We work alongside your current setup to help manage where your money can earn the most while still being fully accessible when you need to be liquid.
1. 1
### Open Your Account
5-minute digital onboarding. No paperwork, no branch visits.
2. 2
### Link Existing Accounts
Securely connect your current bank accounts via our bank integration partners.
3. 3
### Transfer Funds
Move operating capital, reserves, or excess funds to your Robora accounts.
4. 4
### Start Earning
Watch your idle cash earn up to **3.36% APY1** with full FDIC2 protection.
5. 5
### Access Funds Anytime
Transfer funds back to your original accounts whenever you need them.
For Commercial Real Estate Firms
## Automate your cash.Earn more interest.
3.36%
APY1 for $250K or greater average monthly balances
2.90%
APY1 for less than $250K average monthly balances
\*$25K minimum initial deposit
* Free Cash Analytics and Management Tool
* Unlimited Transfers
* Free Same Day ACH
* Free Standard ACH
* $20 per Wire Transfer - standard cost from banking partner
[Schedule a Demo](#booking)
Schedule a Demo
## Ready to Maximize Your Returns?
See how Robora can help your firm earn more on every dollar while keeping your funds safe and accessible.
---
[](/)
Want to give your excess cash a boost?
[Get Started](https://app.roborafinancial.com/signup)
---
## Quick links
* [Home](/)
* [How it works](/how-it-works)
* [Who we are](/who-we-are)
* [Pricing](/#pricingsection)
* [Customer stories](/?testimonial=open)
[support@roborafinancial.com](mailto:support@roborafinancial.com)
## Copyrights
© Robora Financial. All rights reserved.
SOC 2 Type II
Independently audited
## Resources
* [FAQs](/get-help)
* [Blogs](/blogs)
* [Contact Us](/contact-us)
* [Privacy policy](/policy/privacy)
* [Terms of Service](/policy/terms-of-service)
## Disclaimer
Robora Financial or Robora is a brand of FinOpti Treasury, LLC (“Robora”), a financial technology company, not a depository institution, bank, or credit union, and is not itself a FDIC insured company. FinOpti Treasury, LLC partners with OMB Bank, Member FDIC. By opening an OMB Bank account through Robora, your funds are held in a deposit account at OMB Bank.
1\. Annual percentage yield (APY) is 2.90% if the monthly average balance at the relationship level is less than $250,000, or 3.36% if the monthly average balance at the relationship level is greater than or equal to $250,000, effective as of September 17, 2026 and may change at any time, before or after the account is opened, without rate limitation. Rates are determined by varying prevailing economic and business conditions, including the U.S. Federal Reserve interest paid on reserves.
2\. Robora is not an FDIC-insured depository institution and FDIC insurance only applies to the failure of the bank where your account is maintained. By opening an account through Robora, Customers deposit their funds into either:
A deposit account at OMB Bank, Member FDIC, and held by OMB Bank, with such funds (combined with any other of such Customers funds at OMB) FDIC Insured up to the current standard maximum deposit insurance amount of $250,000 ("SMDIA"); or a deposit account at OMB Bank, which sweeps those funds into deposit accounts across a network of FDIC-insured banks for access to millions of FDIC-insurance in aggregate across the accounts. Under this program, the Customer’s funds are placed into deposit accounts across a network of FDIC-insured banks for up to the current SMDIA of $250,000 per eligible depositor, per receiving bank, for each ownership capacity or category, including any other balances they may hold at that receiving bank directly or indirectly through other intermediaries, including broker-dealers. OMB Bank uses a third-party vendor and agent to help administer this deposit placement process. View the [Institution List](https://www.intrafi.com/network-banks) for a list of the banks and savings associations with which Robora and OMB Bank have a business relationship for the placement of deposits at receiving banks, and into which your deposits may be placed, subject to the [Terms of Service](/policy/terms-of-service) and any opt-outs by OMB Bank or you. You should review the Institution list and opt-out of any particular institution to which you do not want us to allocate your funds. Certain conditions must be met to obtain such insurance and [Terms and restrictions apply](https://app.roborafinancial.com/ICS%5FDeposit%5FPlacement%5FAgreement.pdf).
Your account with Robora and all services are subject to the [Terms of Service](/policy/terms-of-service), and there are no other applicable terms, representations or warranties, express or implied, except as expressly set forth in the Terms of Service. If you have any questions regarding your account, please contact [support@roborafinancial.com](mailto:support@roborafinancial.com)