SyntheticFi provides a securities‑backed lending platform that lets independent financial advisors offer their high‑net‑worth clients low‑interest, tax‑deductible liquidity against existing portfolio holdings. Loans start at $10,000, can reach up to 70% loan‑to‑value, and are approved digitally in under a week, with both floating and fixed‑rate options and interest‑only payments.
Funding
$500K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Financial advisors and their clients often rely on traditional bank or custodian loans that involve high interest rates, limited tax deductibility, lengthy paperwork, and minimum loan sizes that restrict flexibility for liquidity needs such as home purchases, tax payments, or vacations.
Solution
SyntheticFi offers a securities‑backed lending platform that brings institution‑grade financing to independent advisors. Clients can borrow against existing portfolio holdings at rates as low as 4.05%, with the interest fully tax‑deductible for most purposes. The product supports both floating and fixed‑rate options that can be switched without principal repayment, and loans can be sized as low as $10,000 with rapid onboarding—often under one week. By keeping portfolios intact, advisors preserve investment strategy while providing immediate liquidity, and the cloud‑based workflow eliminates manual documentation and reduces operational overhead.
Target Audience
Primary customers are independent financial advisors and wealth‑management firms that need cost‑effective liquidity solutions for high‑net‑worth clients.
Features
- Securities‑backed line of credit with loan‑to‑value up to 70% of eligible holdings
- Floating and fixed‑rate structures, switchable on demand, with optional 5‑year fixed terms
- Fully tax‑deductible interest for qualified purposes, improving after‑tax cost of capital
- Low minimum loan size ($10,000) and tiered pricing that rewards larger balances (>$1 M)
- Streamlined digital onboarding and loan approval in under one week
- No principal repayments required during the loan term; interest‑only payments
- Integration hooks for advisors’ CRM and portfolio management tools