# Wholesale Funding

*Banking & Payments — Finicade finance glossary*

Wholesale funding is money a bank borrows from markets and other institutions rather than from retail depositors. It's flexible and scalable, and it is also the flightiest liability on any balance sheet: professional lenders withdraw at the first sign of trouble, while retail depositors mostly don't. Every modern liquidity rule is built around penalising reliance on it.

**Also known as:** market funding, brokered deposits, interbank funding

**Related terms:** [Loan-to-Deposit Ratio](https://finicade.com/glossary/loan-to-deposit-ratio), [Commercial Paper](https://finicade.com/glossary/commercial-paper), [Repo (Repurchase Agreement)](https://finicade.com/glossary/repo), [Liquidity Risk](https://finicade.com/glossary/liquidity-risk), [Interbank Lending](https://finicade.com/glossary/interbank-lending)

Source: https://finicade.com/glossary/wholesale-funding