The most common and most likely answer to this crossword clue is the 7 plus 7 letter word DEPOSIT ACCOUNT
I've seen this crossword clue in The Times
D
E
P
O
S
I
T
A
C
C
O
U
N
T
Buddy explains!
The straight part
We know that "which hopes to increase funds" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case which hopes to increase funds = deposit account.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.