Idle capital has a cost. We build the framework that closes it — across every stage of the capital lifecycle.
Built on Charles Schwab custody. Designed for institutional discipline.
Request a Treasury Gap AnalysisPrivate equity and real estate sponsors apply rigorous frameworks to deployment — but the capital between events sits unmanaged. Between commitment and close, between exit and redeployment, between vehicles and opportunities, money sits idle. We close those gaps.
Capital committed to a fund but not yet called sits in low-yield accounts for months — sometimes years. That window is recoverable yield you're silently forfeiting.
Distributions and realized proceeds return to cash before finding their next home. Without a framework, that capital erodes in real terms while you evaluate the next opportunity.
Operating reserves, GP commitments, and fund-level cash balances require day-to-day management. Most sponsors have no institutional-grade solution for this layer.
| Strategy | Horizon | Approximate Yield |
|---|---|---|
| Same-Day Liquidity | Daily access | ~4.20% |
| Short-Term Positioning | 1–6 months | ~4.35% |
| Extended Duration | 6–12 months | ~4.50% |
Adjust the slider to reflect your total AUM. The calculator estimates idle capital at 20% of fund size — a conservative figure for most sponsor platforms.
Funds over $500M typically maintain in-house treasury capacity.
All figures are estimates based on current market conditions. Past performance does not guarantee future results.
Net of estimated 50bps management fee. Based on 3.86% yield gap (gov. money market vs. FDIC national avg. sweep rate) and 20% idle capital assumption. [3][4]
You don't need a fund to look institutional. Whether you're syndicating a single asset, raising a first SPV, or managing capital for a small group of investors — the same idle capital problem exists at your scale. A $10M SPV with $2M idle still generates $66K in net annual advantage. More importantly: your investors see a branded Charles Schwab portal with institutional reporting, not a spreadsheet in a shared folder.
Competing against established shops for LP allocations with limited track record. You can't win on performance alone yet — but you can win on infrastructure. A $100M Fund I with $20M idle generates $656K in net annual yield advantage. HMG gives you the institutional back-office story that closes the credibility gap.
The sweet spot where idle capital drag becomes material but in-house treasury operations aren't justified. A $500M fund loses $3.28M annually on unoptimized capital. That's not a rounding error — it's a line item your LPs should be asking about.
Value-add, development, and opportunistic strategies share a common cash flow pattern: significant capital sits idle between acquisitions, during entitlement periods, and between fund vintages. Whether you're a multifamily operator, an industrial developer, or a mixed-use sponsor — the gap exists and it compounds.
A 30-minute conversation is enough to model the opportunity for your platform.
Schedule a Conversation[1] PitchBook Global Private Market Funds Dry Powder Dashboard, 2026
[2] Carta Fund Deployment Report, Q2 2024; Bain Global Private Equity Report, 2025
[3] Crane Data Money Fund Index, March 2026. Indicative only; actual yields vary.
[4] FDIC National Rate Survey, March 2026; Crane Data Sweep Rate Tracker
[5] Bloomberg; Financial Times, 2025
This website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. All yield and rate information is indicative and based on prevailing market conditions as of March 2026. Past performance does not guarantee future results. Investment involves risk including possible loss of principal. Hilltop Management Group is not a registered investment adviser. Treasury management services are provided through an SEC-registered RIA partner operating under a fiduciary standard. FDIC insurance applies to eligible deposit placements through IntraFi Network Deposits, subject to applicable limits.