BHI

What BHI does

BHI (Bank Hapoalim's U.S. Branch) is the U.S. commercial banking presence of Bank Hapoalim B.M., Israel's largest banking group, which reported $240 billion in total assets, 15.90% ROE, and an 11.98% CET-1 ratio for full-year 2025, with investment-grade credit ratings of Fitch A-, S&P BBB+, and Moody's Baa1. BHI operates from a New York headquarters with representative offices in California, Florida, and New Jersey, and offers full commercial banking services through three core product pillars — Financing Services (construction, term, bridge, and revolving credit facilities), Treasury Management, and Liquidity Services (time deposits, money market accounts) — augmented by Corporate Banking Services with bilingual English/Hebrew support and FX products (SPOT, Forwards, Swaps). The New York branch is FDIC-insured.

BHI serves U.S. middle-market companies through 12 specialized industry verticals: Commercial Real Estate, Healthcare/Senior Care, Renewable Energy, Hi-Tech & Startups, Commercial & Industrial, International C&I, Data Center Financing, Fund Finance, Apparel & Retail, Specialty & Sponsor Finance, and Food & Beverage. The bank operates a relationship-banking model deploying industry-expert relationship managers with direct decision-maker access, and has recently extended into high-growth lending verticals including data center construction, private capital fund finance, and energy transition project finance. Notable disclosed transactions include a $900 million Origis Energy syndicated facility (co-lead arranger), a $400 million Exus Renewables credit facility, a $200 million Ashtrom solar project finance facility, and a $394 million SunRoper construction financing. GTM is sales-led with field-based relationship managers, supported by LinkedIn presence, industry conference participation (NIC, ALIS, Bisnow, Infocast, Fund Finance Association), and a new Israel-targeted advertising campaign to capture Israeli companies entering the U.S. market. The underlying technology stack is a standard secure online and mobile banking platform with fraud detection tools; no proprietary AI/ML capabilities or public APIs are disclosed.

Name

BHI

Legal name

Bank Hapoalim B.M.

Website

https://bhiusa.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

1–10 employees

Short description

BHI is the U.S. commercial banking branch of Israel's Bank Hapoalim B.M., providing relationship-based middle-market lending, treasury management, and liquidity services across CRE, healthcare, renewable energy, data center, and fund finance verticals.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

akta.pro secondary industry

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• Commercial banking services
• Middle market lending
• Treasury management solutions
• Project finance facilities
• Corporate credit solutions

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Interest Income from Lending: BHI generates revenue primarily through interest income on its loan portfolio, including construction loans, term loans, bridge loans, revolving credit facilities, and project finance facilities extended to commercial clients across real estate, healthcare, renewable energy, and other sectors.
2. Fee-based Banking Services: Fees from cash management services, credit solutions, corporate credit cards, competitive fee schedules for banking needs, and earnings credits on checking account balances.
3. Deposit Products: Revenue from time deposits and money market accounts offering competitive rates to maximize client returns.
4. Foreign Exchange Services: Revenue from foreign currency products including SPOT, Forwards, and FX Swaps.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

BHI is the U.S. branch of Bank Hapoalim B.M., providing full commercial banking services to middle-market companies. Its core offering spans three primary pillars—Financing Services (construction, term, bridge, and revolving credit loans), Treasury Management (cash management and payment processing), and Liquidity Services (money market and time deposit accounts)—complemented by industry-specialized banking across 12 verticals including Commercial Real Estate, Healthcare, Renewable Energy, Hi-Tech, and Fund Finance.

Product overview

BHI (Bank Hapoalim's U.S. branch) is a commercial bank offering a unified platform of banking services that combines boutique-level personal attention with the resources of a global financial institution. The core offering consists of three primary service pillars—Financing Services, Treasury Management, and Liquidity Services—augmented by Corporate Banking Services. These are complemented by 12 industry-specific verticals: Hi-Tech & Startups, Commercial Real Estate, Healthcare Financing, Commercial & Industrial, International C&I, Renewable Energy, Data Center Financing, Fund Finance, Apparel & Retail Finance, Specialty & Sponsor Finance, and Food & Beverage. This structure allows BHI to provide tailored financial solutions across the commercial banking spectrum, from basic deposit accounts to complex project finance transactions.

Differentiator

Problem solved

Functional benefit

Products and services

• Financing Services Comprehensive lending solutions including construction loans, term loans, bridge loans, and revolving credit facilities for various commercial purposes. Designed for middle-market companies requiring capital for growth, development, refinancing, or working capital needs.
• Treasury Management Cash management solutions including account services, payment processing, and liquidity management tools designed to optimize business cash flow for commercial clients.
• Liquidity Services Solutions to maximize return on cash reserves, including money market accounts and time deposits with competitive rates for business clients.
• Corporate Banking Services Comprehensive banking services for companies expanding in the U.S., offering deposit accounts, cash management, foreign currency products (SPOT, Forwards, FX Swaps), and credit solutions with bilingual English/Hebrew support.
• Commercial Real Estate Lending Lending solutions for commercial property development, acquisition, and refinancing across multifamily, office, hospitality, and retail segments, including construction loans and bridge financing.
• Healthcare Financing Specialized lending for senior care facilities including skilled nursing, assisted living, memory care, and active adult communities, including bridge-to-HUD financing and acquisition financing.
• Renewable Energy Project Finance Project finance and development facilities for solar, wind, and battery storage renewable energy projects, including utility-scale project finance and corporate credit facilities.
• Data Center Financing
• Fund Finance
• Specialty & Sponsor Finance
• Food & Beverage Financing
• Hi-Tech & Startups Banking

Quantifiable outcome

• Successfully closed $200 million project finance facility for El Patrimonio solar project in Texas
• +3 more outcomes

Named customers12 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• CPS EnergycoreStrategic or Co-development PartnerCPS Energy, the municipal utility of San Antonio, signed a 20-year Power Purchase Agreement with Ashtrom Renewable Energy covering 70% of the El Patrimonio solar project's electricity output. BHI provided the $200 million financing facility for this project.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Lakeland Bancorp: NJ-headquartered commercial bank focused on middle-market businesses with significant CRE and small-business lending exposure — a comparable regional mid-market peer operating in BHI's geographic footprint.
• ConnectOne Bancorp: NJ-based middle-market commercial bank with a relationship-banking model and industry-specialized teams serving CRE, healthcare, and professional services — a direct regional peer given BHI's NJ representative office.
• Mercantile Bank Corporation: Michigan-based middle-market commercial bank focused on CRE and business lending — comparable middle-market commercial banking franchise with similar relationship-banking orientation.
• Customers Bancorp (Customers Bank): Mid-market focused commercial bank with specialty verticals including renewable energy, healthcare, and specialty lending — a direct competitor in middle-market relationship banking with similar industry-vertical coverage and growth orientation.

Regional players

• Flushing Financial: NY metro-based commercial bank with significant CRE and multifamily lending exposure plus a focus on diverse ethnic business communities — comparable to BHI's NY metro franchise and CRE orientation.
• Northfield Bancorp: NJ-based regional commercial bank with strong CRE and multifamily lending concentration in the NY metro area — comparable to BHI's NY metro CRE focus and overlapping geographic footprint.
• Dime Community Bancshares: NY metro-focused commercial bank with strong CRE and multifamily lending franchise — comparable to BHI's NY metro CRE concentration and middle-market business banking focus.
• Amalgamated Bank: NYC-headquartered commercial bank with values-driven positioning and commercial lending focus — comparable to BHI as a NY-based commercial bank with mission-aligned client base and corporate banking services.
• First Bank (NJ): NJ-based commercial bank serving small and middle-market businesses with CRE and commercial lending focus — comparable to BHI's relationship-driven middle-market model in the NY/NJ corridor.

Emerging players

• Live Oak Bancorp: Specialty commercial lender with industry-vertical model (solar/renewable energy among others) and tech-enabled origination — comparable to BHI's renewable energy and industry-vertical strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bank-hapoalim-ny-branches

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments11 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BHI