What it sells
The cheapest way to borrow money
Business model breakdown
Buyer: who owns the budget?
UnverifiedIndependent RIA firms and advisors who arrange the loan for their clients (the site pitches "Help your clients save thousands").
Trigger: what makes them buy now?
Advisors want to deepen client relationships and grow wallet share by offering cheaper borrowing than banks and custodians.
Workflow: what inputs become what output?
Client borrows against a securities portfolio; SyntheticFi sells S&P 500 index option box spreads (four-option basket with fixed future payoff) and the client receives cash from options premium, with no asset transfer; also Fixed Rate, Line of Credit and Hybrid Mortgage products.
Distribution: how it reaches customers
Sold B2B2C through independent advisors; demo-led ("Get a demo", "Talk to a professional"); SyntheticFi LLC is an SEC-registered investment advisor.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2023 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.