You don't have to be in the loan business to make money on the float, you just need to invest it. Say you have $100M of revenue per month and are paying out all

You don't have to be in the loan business to make money on the float, you just need to invest it. Say you have $100M of revenue per month and are paying out all $100M of it in 60 days. You can very safely keep the float in an interest-bearing account earning, say 3%, giving you $500k/mo. Because your revenue stream is constant, so is your investment. In practice you would also need to buy some insurance (FDIC won't cover you and surely there are some regulations here), but that's the idea.