Financial Institutions

Industry expertise for financial institutions

We provide tailored capital, treasury and advisory solutions to financial institutions of all sizes. Our bankers combine deep industry knowledge with the full breadth of Fifth Third's Corporate & Investment Banking platform to help clients address capital needs, manage risk, improve liquidity and support long-term strategic priorities in an increasingly complex regulatory and technological environment.

Insurance

Dedicated coverage for life, P&C, brokers, reinsurance and specialty insurers. Our team works with public and private insurance companies to deliver capital, treasury and advisory solutions tailored to industry regulatory, rating agency and capital structure considerations.

• Corporate credit facilities and Letters of Credit, including support for clients in Bermuda and the Cayman Islands
• Debt and equity capital markets⁺⁺
• Treasury management, custody and financial risk management solutions

Captive insurance

Specialized banking for captive insurance programs. We support companies establishing and operating captive insurance vehicles—onshore and offshore—with the collateral, trust and cash management solutions required by fronting carriers and regulators.

• Letters of Credit (required by fronting insurance companies)
• Trust services, including Regulation 114 Trusts (agreement between a captive, a fronting insurance company and a bank)
• Custody services to hold assets of a captive, either onshore or offshore
• Cash management, foreign exchange and investment management services for captive premiums and assets¹

Funds finance

Financing and liquidity solutions for private capital sponsors, funds and alternative asset managers. We provide flexible credit and liquidity solutions to private equity, private credit and alternative asset managers across the fund lifecycle.

• Subscription (capital call) facilities secured by uncalled LP commitments
• NAV and hybrid facilities to support portfolio-level financing needs

Correspondent banking

Core banking and technology solutions for banks, credit unions and global banks. We support community, regional and global institutions with more than 150 years of correspondent banking experience, delivering scalable services that support efficiency and growth.

• Fed funds lines, Letters of Credit and global trade Letters of Credit
• Payment, image and electronic processing solutions backed by decades of technology investment

Mortgage finance

Capital solutions for mortgage originators and servicers. We work with independent mortgage bankers, servicers and related finance companies to provide liquidity, hedging and capital markets support required in a rate-sensitive, high-velocity business.

• MSR financing, servicing advance facilities and corporate credit solutions
• Financial risk management, treasury management

Lender finance

Financing solutions for consumer, commercial and specialty finance lenders. We support non-bank lenders across the credit spectrum with scalable senior debt and structured financing that flexes with portfolio growth and asset performance.

• Asset-backed revolving credit and warehouse facilities across consumer, commercial, equipment and specialty asset classes
• ABS underwriting, syndications and capital markets support

Registered Investment Advisors (RIAs)

Balance sheet and banking solutions for registered investment advisors and wealth platforms. We work with RIAs, multifamily offices and wealth management platforms to support acquisitions, working capital needs and the day-to-day banking of both the firm and its principals.

• Acquisition, recapitalization and working capital financing for RIA aggregators and independent advisors
• Treasury management, deposit and liquidity solutions tailored to fee-based advisory firms
• Custody, capital markets and financial risk management support across the platform

Title & Escrow

Dedicated banking, treasury and payment solutions for title agencies, escrow companies and real estate settlement providers. We help clients safeguard and manage customer funds, efficiently process high transaction volumes, and support growth through specialized industry expertise.

• Escrow deposit accounts, trust account solutions and liquidity management capabilities.
• High-volume payment processing, including wire transfers, ACH and real-time payment solutions.
• Fraud prevention and payment security solutions designed to help mitigate operational and wire fraud risks.