Lowest interest
Easiest entry
Fully deductible
Lowest interest
Easiest entry
Fully deductible
Lowest interest
Easiest entry
Fully deductible
Lowest interest
Easiest entry
Fully deductible

securities backed loan

Lowest interest
Easiest entry
Fully deductible
Lowest interest
Easiest entry
Fully deductible
Lowest interest
Easiest entry
Fully deductible
Lowest interest
Easiest entry
Fully deductible

Deepen relationships. Grow wallet share. Help your clients save thousands with the most cost-effective borrowing solution available.

Get a demo

Learn more about SyntheticFi

Featured on

Today's Interest Rate*

3.95%

Trusted by 150+ Industry-Leading RIAs

"With SyntheticFi, everything just clicks - we’re saving clients money, simplifying our process, and building a stronger firm because of it. It’s become a core part of how we deliver value and stand out."

Guillaume Decalf

Founder & CEO, Oui Financial

Guillaume Decalf is not a direct client of SyntheticFi LLC, but collaborates with SyntheticFi LLC on behalf of their firm’s clients. No compensation has been provided for sharing their opinion and experience with our firm.

The institutional-level lending
solution that sets you apart

The institutional-level lending solution that sets you apart

Banks and custodians have long dominated lending. SyntheticFi is here to change that. We bring a solution once reserved for institutions to independent advisors. Your clients get better outcomes; you deliver more value without the endless paperwork.

Compare SyntheticFi with traditional lenders

Lower Interest Rates

Better Tax Deductability

Easier Operations

Why SyntheticFi?

SyntheticFi

Schwab Pledged Asset Line (PAL)

Bank-offered SBLOCs (GS Select, Bancorp)

Custodian Margin Loans (Schwab, Fidelity, E*Trade)

Interest Rate

3.95%

6-8%

5.5-8%

8-13%

Tax Deduction Conditions

All purposes

Investment only

After-Tax Effective Rate

2.95%

6-8%

5.5-8%

8-13%

Minimum Loan Size

$10,000

$100,000

Varies, $75,000+

Tiered, $1M+ for best rate

Fixed Rate Options

Yes (5 years)

Unavailable

Limited

Unavailable

Onboarding Time

Under 1 week

~1 month

~1 week

Discuss how to move to SyntheticFi

We’re cheaper

Interest Rates

Lower interest, higher savings.

SyntheticFi offers interest rates starting at just 4.83%, with an effective after-tax rate of 3.3%—far below the 7–8% range from traditional options.

Tax deductible

Tax Deductability

Flexible deductions for all purposes

Flexible deductions
for all purposes

Unlike other solutions, which only allows deductions for investment use, SyntheticFi loans are tax-deductible no matter how your clients choose to use the funds.

Easy to Use

Operations

Faster setup, flexible terms.

Clients can onboard in under a week, borrow as little as $50K, and lock in a fixed rate for 5 years—streamlining the lending experience from start to finish.

Clients come for liquidity. You deliver a plan.

Whether it’s funding a real estate purchase, covering a tax bill, or paying for a well-earned vacation, Advisors use SyntheticFi to meet clients’ liquidity needs, while keeping portfolios intact and planning on track.

Get a proposal with our team

"A client who had been wavering for months finally made the switch from Morgan Stanley after seeing the proposal I built with SyntheticFi, showing him he could save over $120K per year."
Chris Gure
Fortress Financial Partners
Chris Gure is a direct client of SyntheticFi LLC. No compensation has been provided for sharing their opinion and experience with our firm.
Real estate
Real estate likely represents your clients’ largest borrowing need. Wow them with low-rate ARM-style mortgages, 0-down programs, and hard-money loans for owner-occupied and investment properties.
Bridge loan
Meet short-term capital needs with ease. Capital calls, temporary working capital for business, or to repay tax liabilities - low-interest cash available within a week.
Debt consolidation
Refinance HELOC, children’s student loans, and outstanding business loans. Cut the interest rate by 2-3%+ and save thousands a year.
Lifestyle
Turn your client’s spending into savvy financial planning. Stop liquidating the portfolio; buying a vehicle and luxury vacations can be tax-deductible when they use SyntheticFi.

"A client who had been wavering for months finally made the switch from Morgan Stanley after seeing the proposal I built with SyntheticFi, showing him he could save over $120K per year."
Chris Gure
Fortress Financial Partners
Chris Gure is a direct client of SyntheticFi LLC. No compensation has been provided for sharing their opinion and experience with our firm.
Real estate
Real estate likely represents your clients’ largest borrowing need. Wow them with low-rate ARM-style mortgages, 0-down programs, and hard-money loans for owner-occupied and investment properties.
Bridge loan
Meet short-term capital needs with ease. Capital calls, temporary working capital for business, or to repay tax liabilities - low-interest cash available within a week.
Debt consolidation
Refinance HELOC, children’s student loans, and outstanding business loans. Cut the interest rate by 2-3%+ and save thousands a year.
Lifestyle
Turn your client’s spending into savvy financial planning. Stop liquidating the portfolio; buying a vehicle and luxury vacations can be tax-deductible when they use SyntheticFi.

Floating or Fixed rate loans. Built around client needs.

You know your clients best. SyntheticFi offers both floating and fixed rate loans - easily switchable as needs evolve, with no principal ever due. Whether clients need certainty or flexibility, you can help them stay on course.

Build a customized loan with us

"I was not sure what it would be like to transfer their LLC margin account from Interactive Brokers to Schwab. SyntheticFi helped me move the account to Schwab without needing to liquidate any investments. It was a seamless process and we were able to quickly transfer the margin balance to SyntheticFi."

Javier Loreto, Sankus Wealth Solutions

Javier Loreto is a direct client of SyntheticFi LLC. No compensation has been provided for sharing their opinion and experience with our firm.

3.95%*

Floating rate line of credit

Bridge loan

Ultra-Low, Market-Based Rates

Rates track short-term Fed interest expectations, often well below traditional lending options.

Flexible Access, No Principal Repayment

Clients draw and repay on their own terms - no fixed schedule, no principal repayment required.

Perfect for Short-Term Liquidity Needs

From tax payments to real estate bridging and interim cash flow, quick access to funds without disrupting investment progress.

3.95%*

Floating rate line of credit

Bridge loan

Ultra-Low, Market-Based Rates

Rates track short-term Fed interest expectations, often well below traditional lending options.

Flexible Access, No Principal Repayment

Clients draw and repay on their own terms - no fixed schedule, no principal repayment required.

Perfect for Short-Term Liquidity Needs

From tax payments to real estate bridging and interim cash flow, quick access to funds without disrupting investment progress.

3.95%*

Floating rate line of credit

Bridge loan

Ultra-Low, Market-Based Rates

Rates track short-term Fed interest expectations, often well below traditional lending options.

No Principal Repayment

Clients draw and repay on their own terms - no fixed schedule, no principal repayment required.

Perfect for Short-Term Liquidity

From tax payments to real estate bridging and interim cash flow, quick access to funds without disrupting investment progress.

3.70%*

, starting at.

Fixed rate term loan

Real Estate

Private Investment

Predictable, Fixed-Cost Liquidity

Clients get predictable borrowing costs using longer-dated box spreads - no surprises, no resets.

Fully Customizable Terms, Up to 5 Years

Choose durations that match your client’s financial plan - from 3 months to 5 years, with the option to exit early, or to convert to a floating rate.

Built for Big Ticket, Long-Term Goals

Ideal for real estate purchase and investment, vehicle purchases, or funding private investments.

3.70%*

, starting at.

Fixed rate term loan

Real Estate

Private Investment

Predictable, Fixed-Cost Liquidity

Clients get predictable borrowing costs using longer-dated box spreads - no surprises, no resets.

Fully Customizable Terms, Up to 5 Years

Choose durations that match your client’s financial plan - from 3 months to 5 years, with the option to exit early, or to convert to a floating rate.

Built for Big Ticket, Long-Term Goals

Ideal for real estate purchase and investment, vehicle purchases, or funding private investments.

3.70%*

, starting at.

Fixed rate term loan

Real Estate

Private Investment

Predictable, Fixed-Cost

Clients get predictable borrowing costs using longer-dated box spreads - no surprises, no resets.

Customizable, Up to 5YR Term

Choose durations that match your client’s financial plan - from 3 months to 5 years, with the option to exit early, or to convert to a floating rate.

Built for Big Ticket, Long-Term

Ideal for real estate purchase and investment, vehicle purchases, or funding private investments.

"How are the rates this low?"
Because they should be.

We’ve removed the middleman banks, so your clients finally get access to what borrowing should cost.

Chat with an expert

Institutional Tool, Now Accessible

SyntheticFi uses box spreads, a powerful institutional financing tool long reserved for hedge funds and family offices, to lower borrowing costs for advisors and clients.

No Middleman, Direct Liquidity Access

Your clients get direct access to funds from the exchange-listed options market. These options are liquid, regulated, and backed by the Options Clearing Corporation, a systematically important institution that clears every U.S. options trade.

Lenders Compete, Your Clients Win

You’re helping your client shop all the lenders at once. Behind every SyntheticFi loan, multiple lenders are on the market competing to offer money. That competition means efficient pricing and lower rates for your clients, automatically.

Borrowers owe a fixed amount when the box spread expires

Not only is SyntheticFi 1-3% cheaper than comparable offerings, interest with SyntheticFi is always tax deductible, generating additional savings.

Discuss how much you can save

Saves $1.5K, client can get a new MacBook.

Loan amount

$50,000

Interest rate savings

$1,000

Potential tax savings

$500

$50,000

Slide to see how much you save by loan amount†

$5,000,000

Borrowers owe a fixed amount when the box spread expires

Not only is SyntheticFi 1-3% cheaper than comparable offerings, interest with SyntheticFi is always tax deductible, generating additional savings.

Discuss how much you can save

Saves $1.5K, client can get a new MacBook.

Loan amount

$50,000

Interest rate savings

$1,000

Potential tax savings

$500

$50,000

Slide to see how much you save by loan amount†

$5,000,000

With SyntheticFi, you can save on interest and tax deduction.

Not only is SyntheticFi 1-3% cheaper than comparable offerings, interest with SyntheticFi is always tax deductible, generating additional savings.

Saves $1.5K, enough for a new MacBook!

Loan amount

$50,000

Interest rate savings

$1,000

Potential tax savings

$500

$50,000

$5,000,000

With SyntheticFi, you can save on interest and tax deduction.

Not only is SyntheticFi 1-3% cheaper than comparable offerings, interest with SyntheticFi is always tax deductible, generating additional savings.

Saves $1.5K, enough for a new MacBook!

Loan amount

$50,000

Interest rate savings

$1,000

Potential tax savings

$500

$50,000

$5,000,000

With SyntheticFi, you can save on interest and tax deduction.

Not only is SyntheticFi 1-3% cheaper than comparable offerings, interest with SyntheticFi is always tax deductible, generating additional savings.

Saves $1.5K, enough for a new MacBook!

Loan amount

$50,000

Interest rate savings

$1,000

Potential tax savings

$500

$50,000

$5,000,000

Why advisors love and trust SyntheticFi

We’re built to serve you, not compete with you - unlike traditional platforms. From day one, our only priority is helping Advisors win.

Grow wallet share

With more assets in-house and working, create new planning opportunties and unlock new strategies.

Win new clients

Stand out with a unique, low-cost liquidity solution traditional firms and wirehouses can’t match.

Low maintenance, high service

No wet signatures, no ops headaches - SyntheticFi is built for simplicity and scale, backed by white-glove support.

"SyntheticFi has streamlined our ability to help clients access liquidity in a cost-effective way … [and their solution] requires minimal operational lift. It’s been a practical solution for many of our clients, and we’ve found their team to be consistently responsive and easy to work with."

Liam Lynch

Advisor Support, Able Wealth Management

Liam Lynch is not a direct client of SyntheticFi LLC, but collaborates with SyntheticFi LLC on behalf of their firm’s clients. No compensation has been provided for sharing their opinion and experience with our firm.

Works where you work

No need to move assets - SyntheticFi integrates directly with your existing custodian, making it seamless to serve clients. We’re constantly adding new custodians to ensure flexibility wherever your practice is.

Schwab | Pershing | Fidelity | Interactive Brokers

Frequently asked questions

View all FAQs

How much can my clients borrow with SyntheticFi?

Will my clients need to move assets?

Why is SyntheticFi able to offer such low rates?

What fees does SyntheticFi charge?

What are the risks of using SyntheticFi?

View all FAQs

Borrow smarter. Save More.

Unlock lower interest rates and tax-deductible savings with SyntheticFi.

Talk to a professional

156 2nd St, Suite 610
San Francisco, CA 94105
(628) 800-0898

Backed by

SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.

All interest rate and tax information is current as of 1/2/2026 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.

*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.

†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.

‡APR, or the Annual Percentage Rate, disclosed above is calculated in accordance with the federal Truth in Lending Act (Regulation Z) guidelines and reflects the estimated total cost of borrowing, inclusive of the maximum fees charged by SyntheticFi that is subject to discount. This is not a rate guarantee. This APR represents the nominal interest rate annualized over monthly compounding periods and incorporates all mandatory periodic payments and final payoff obligations associated with the loan.

We are committed to full transparency and compliance; this rate enables an apples-to-apples comparison with other financing options by including both interest and applicable service fees in accordance with regulatory standards.

You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.

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