Start earning 2.50% APY * on idle cash, without switching banks, locking up money, or paying monthly fees.
Easy online application
Sign up in just 3 steps
Deposits are FDIC insured through Magnolia Bank, Member FDIC.
Backed by a trusted century-old community bank serving small businesses.
Your information is protected by advanced encryption and data security.
Don’t let your money nap
You need operating cash to pay your expenses and your people. But anything beyond that is idle cash. Cash that’s not only not earning interest, it’s actually shrinking in value because of inflation.
The money you have today will be worth less tomorrow, so sitting on surplus cash is lighting it on fire.
Traditional accounts don’t just hold your money; they use it to generate returns for themselves while leaving you with almost nothing. On average, balances earn around 0.07% interest. Want more? You’re usually pushed into a savings product that locks up your cash for months.
Smart finance teams don’t settle for shrinking value and nearly invisible rates. They put spare dollars to work in high-yield accounts. Now, you can too.
Small Business Owner"I don’t want to think about how much interest I missed out on"
"I regularly had well over $100,000 just sitting there earning nothing. For years. I assumed that was normal unless you wanted to lock the money up in a savings account. Liafi is so simple, I wish I’d started sooner. I dread to think how much I could’ve earned before.”
Small Business Owner"Now my extra cash is actually doing something"
"I’m constantly juggling everything in my business, managing spare cash just wasn’t on my radar. Now I keep enough cash in my checking account to cover upcoming expenses and put the rest in Liafi to make money.”
LiaFi Business Deposit Account connects seamlessly to your current business checking account. Instead of earning almost zero interest (and losing money to inflation), by moving surplus cash into a high-yield, FDIC-insured account earning 2.50% APY*.
* Annual Percentage Yield. LiaFi deposits are FDIC-Insured through Magnolia Bank, Member FDIC
No monthly fees, no minimum balance requirements, and no locking up funds like with some saving accounts. See our current rates for details. If you need the cash, easily transfer it back to your account. You simply carry on running your business as usual. The cash you need for day-to-day expenses stays put in your bank account, while every spare dollar goes off to LiaFi to grow.
Sign up for LiaFi completely online in just a few minutes, then securely link all your existing business bank accounts in two clicks.
LiaFi tracks your account activity and shows when cash is idle, letting you move it to a high-yield, FDIC-insured account. So your money starts working, while you stay in control.
Need your cash for an unexpected bill? No problem. Easily transfer it back to your account when you need it, while keeping the interest you’ve earned.
There are many reasons why you’re keeping money parked in your business checking account.
You’re saving for new equipment or another big expense
You’re holding profits until they’re shared with partners
You’re setting aside funds for taxes, payroll or bonuses
You’re building a seasonal buffer for slower months
Or you’re just keeping an emergency fund for surprises
Whether your idle balance is $10K or $250K, LiaFi leaves what you need for expenses and lets you move the rest to earn interest.
LiaFi lets you move extra cash into a high yield account with Magnolia Bank, FDIC-insured. You stay in control of your money, with easy access whenever needed.
Earn 2.50% APY* on surplus cash
No monthly fees and account lock-ins
Get your money back when you need it
LiaFi analyzes your real account activity to give you a simple cash-flow health score. So you always know how much to keep, and what you can safely move to earn.
Tracks real credits and debits
Gives a clear cash-flow health score
Allows you to decide how much to move
Funds are held in FDIC-insured* accounts at Magnolia Bank, a 100+ year-old institution. They are protected by the full faith and credit of the US government.
FDIC-Insured through Magnolia Bank
Held with Magnolia Bank (est. 1919)
Backed by a $500M+ institution
Small Business Owner"I don’t want to think about how much interest I missed out on"
"I regularly had well over $100,000 just sitting there earning nothing. For years. I assumed that was normal unless you wanted to lock the money up in a savings account. Liafi is so simple, I wish I’d started sooner. I dread to think how much I could’ve earned before.”
Small Business Owner"Now my extra cash is actually doing something"
"I’m constantly juggling everything in my business, managing spare cash just wasn’t on my radar. Now I keep enough cash in my checking account to cover upcoming expenses and put the rest in Liafi to make money.”
When signing up, be prepared to provide the following:
Make sure to have these documents ready for a smooth signup process. To confirm your business is eligible, review our Eligibility & Restrictions.
Yes. Cash moved to LiaFi earns interest in FDIC-insured accounts provided by Magnolia Bank. These accounts are backed by the full faith and credit of the U.S. government. If your balances are higher, we can help you stay protected, just contact us at support@liafi.co.
Absolutely. You can transfer funds back to all your linked checking accounts at any time. You stay in control, and there are no penalties for moving money back and forth.
A: Your balance starts accruing interest the same business day the funds settle in LiaFi. We calculate interest daily and credit it to your LiaFi account on the last business day of each month. If you move money out before month-end, you’ll still receive the interest earned up to that point in that month-end credit.
Banks don’t offer this service to small businesses. Business sweep accounts usually require $50,000+ in balances.
LiaFi isn’t a savings account. Savings accounts usually lock up your funds or penalize you for withdrawals. LiaFi keeps your cash earning 2.50% Annual Percentage Yield while staying fully accessible. You can move money in and out whenever you want, without penalties, or losing the interest you’ve earned.
Just your EIN (federal tax ID) and Articles of Incorporation. Most businesses have these handy, and if not, you can usually download them from your secretary of state’s website.
LiaFi uses advanced encryption and SOC 2-compliant systems to protect your data. Your transaction history stays within your bank, LiaFi simply receives encrypted data, runs the calculations, and then discards the data. Your data is never stored, sold or shared.
There is no minimum balance requirement. Whether you move $500 or $50,000, you’ll earn 2.50% APY* on idle cash.
No. LiaFi is a tool for growing idle cash only, not for day-to-day spending. You continue to use your business checking accounts as normal.
*Annual Percentage Yield
Open a LiaFi account and earn 2.50% APY* on idle cash without switching banks, locking up funds, or paying monthly fees. See our current rates for details.
Easy online application
Sign up in just 5 mins
APY accurate as of July 24, 2025. Rate is variable and subject to change.
LiaFi is a financial technology company, not a bank. Banking services are provided by Magnolia Bank, Member FDIC. Deposits held with Magnolia are insured up to $250,000 per depositor, per ownership category.
The 2.5% Annual Percentage Yield (APY) is accurate as of July 24, 2025, and may change at any time without notice. The disclosed APY assumes that principal and interest remain on deposit for the full term. Actual earnings may vary based on balance and activity.
LiaFi does not provide investment, tax, or legal advice. To earn the advertised APY, funds must be actively transferred to your LiaFi account. Withdrawals are typically available quickly. FDIC insurance applies only to settled funds held with Magnolia Bank.