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SyntheticFi

Securities-backed lending for independent advisors with low-rate fixed and floating rates.

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SyntheticFi is an SEC-registered registered investment adviser that provides securities-backed loans to independent financial advisors and their clients, addressing liquidity needs without requiring clients to liquidate portfolios. Loans are built on box spreads and are described as tax-deductible for all purposes.

The platform offers a floating-rate line of credit starting at 4.20% with no fixed repayment schedule or principal repayment requirement, and a fixed-rate term loan starting at 4.50% with terms from 3 months to 5 years, early exit, and conversion to a floating rate. Borrowing can be used for real estate, bridge financing, debt consolidation, and lifestyle purchases. Advisors can compare options against custodian and bank offerings and build customized loan proposals with the team.

SyntheticFi is aimed at independent RIAs and their clients, with stated minimum loan sizes and onboarding completed under a week. The company describes itself as an SEC-registered RIA operating under fiduciary duty.

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