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SyntheticFi›
Analysis
AddedApr 15, 2026
UpdatedJul 3, 2026
SyntheticFi

SyntheticFi

Seed

Low-cost securities-backed lending platform for independent financial advisors and high-net-worth clients.

HQ
San Francisco, CA, US
Founded
2023
Accelerator
Y Combinator logoY CombinatorS23
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Overview
Analysis
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Fundraising
Employees
Website
Number of Customers
300

Contents

  1. 01Executive Summary
  2. 02Products & Services
  3. 03Market Outlook
  4. 04Competitive Strengths
  5. 05Competitive Risks
  6. 06Pricing Strategy
  1. 01Executive Summary
  2. 02Products & Services
  3. 03Market Outlook
  4. 04Competitive Strengths
  5. 05Competitive Risks
  6. 06Pricing Strategy

Memo

SyntheticFi raised $13 million in June 2026 and surpassed $2 billion in regulatory assets under management. The platform now serves more than 300 advisory firms and 3,000 advisors nationwide, representing approximately 3x growth since the start of the year.

The funding will support product development, deeper advisor partnerships, and team expansion. The company provides securities-backed lending using box spreads and variable prepaid forwards, with integrations to Charles Schwab, Pershing, Fidelity, and Interactive Brokers.

Product Overview

SyntheticFi offers securities-backed lending products including a floating rate line of credit at 3.95%, fixed rate term loans starting at 4.05%, and a Hybrid Mortgage combining securities and real estate collateral at 4.64% fixed APR for 5 years.

These products allow financial advisors and high-net-worth clients to access liquidity without selling investments, with integrations to major custodians including Charles Schwab, Pershing, Fidelity, and Interactive Brokers.

Market Outlook

The securities-backed lending market is experiencing growth as financing becomes increasingly incorporated into the financial planning process itself. Advisors are evaluating borrowing options alongside investment and tax decisions rather than treating them as standalone transactions.

This trend is driving demand for automated liabilities-planning software and risk-monitoring tools that help advisors integrate financing strategies into comprehensive client planning.

Competitive Advantages

SyntheticFi's competitive advantages include rates significantly below traditional options (3.95-4.64% vs 6-13% for alternatives), universal tax deductibility, and no requirement to liquidate investment portfolios for liquidity.

The platform offers seamless integrations with major custodians (Schwab, Pershing, Fidelity, Interactive Brokers) and provides institutional-grade strategies like box spreads and variable prepaid forwards that were previously only accessible to institutions and ultra-high-net-worth clients.

Competitive Disadvantages

Securities-backed lending products carry the risk that the pledged securities could be sold if the borrower defaults or if the value falls below margin requirements, potentially forcing liquidation at unfavorable prices.

A minimum portfolio value is generally required to qualify, often 00,000 or more, which may exclude smaller investors or advisors serving clients with lower asset levels.

Pricing Strategy

The platform offers market-based floating rates for lines of credit starting at 3.95% and fixed rates for term loans starting at 4.05%, with the Hybrid Mortgage providing a fixed 4.64% APR for 5 years by combining securities and real estate collateral.

This pricing is significantly lower than traditional options such as custodian margin loans (8-13%) or bank SBLOCs (5.5-8%), with the potential for an effective after-tax rate as low as 3.3% due to the box spread structure and tax deductibility.