SyntheticFi · Jun 2026
SyntheticFi announced $13M in total funding, over $2B in regulatory AUM, and more than 3,000 advisors across 300+ firms.
Low cost securities-backed lending for financial advisors and HNWI
Company research
Public company, workplace, funding, and market signals
Updated Jul 30, 2026
Overview
SyntheticFi is an SEC-registered investment advisor and fintech platform that provides securities-backed lending for financial advisors and their clients, helping them borrow against investment portfolios without liquidating assets.
Primary product
Securities-backed lending platform for financial advisors, including box spread-based borrowing and a hybrid mortgage product.
Founded
2023
Headquarters
San Francisco, California, United States
Team size
1-10
Work style
Flexible
Industry
Financial Services
Sub-industry
Fintech / securities-backed lending / wealthtech
Offices
156 2nd St, Suite 610, San Francisco, CA 94105
Business model
AUM-based and discretionary portfolio management fees
flat monthly advisory/service fees
spread/financing revenue from lending products
implementation/support services for RIAs
Funding
People & investors
Leadership
Co-Founder and CEO
Co-Founder and CRO
Director of Operations
Director of Client Partnerships
Director of Sales
Work & culture
Positioned as a high-growth, advisor-focused startup that emphasizes product excellence, client outcomes, and a hands-on partnership model. Job posts suggest an early-stage, ambitious culture with meaningful equity upside and remote-friendly U.S.-based hiring.
Work style
Flexible
Visa sponsorship
Limited
Compensation
Public job postings show salary bands plus bonus and equity. Examples include $70K-$80K base with up to 10% bonus and 0.025%-0.10% equity, and other roles with six-figure salaries and equity. Some roles explicitly restrict hiring to U.S.-based candidates and note visa sponsorship only for exceptional U.S.-based candidates.
Benefits
Top-tier compensation and benefits package
Meaningful stock option upside
Bonus eligibility
Healthcare insurance
Dental insurance
Vision insurance
401(k) plans
Product & market
Pricing
Advisory/service fees plus financing economics from securities-backed lending; public disclosures mention discretionary management fees ranging from 0% to 2.00% annually and non-discretionary flat monthly fees up to $200.
Differentiators
- —Institutional-grade securities-backed liquidity for independent advisors
- —No need to move assets; integrates with existing custodians
- —Lower-cost borrowing versus traditional margin/SBLOC alternatives
- —Tax-efficient structures such as box spreads and VPFs
- —Fixed and floating-rate loan options
- —Advisor-facing workflow and implementation support
- —Works across major custodians including Schwab, Fidelity, Pershing, and Interactive Brokers
Technology
Stripe (founder background; not company stack)
SEC registration / IAPD disclosures
S&P 500 index options
box spreads
Variable Prepaid Forwards (VPFs)
custodian integrations (Schwab, Fidelity, Pershing, Interactive Brokers)
Customers
Registered investment advisors (RIAs)
Independent financial advisors
High-net-worth individuals
Wealth management firms
Business owners
Clients seeking real estate financing
Clients seeking bridge loans or debt consolidation
Competitors
Bank securities-backed lending desks
Traditional margin lenders
SBLOC providers
Private banks
Mortgage/bridge lenders
Wealthtech lending platforms
Scale & contact
Estimated revenue
Unavailable from public evidence
Estimated monthly visits
15.9K
Traffic estimate as of Jul 2026
Latest news
Morningstar / Business Wire · Jun 2026
Business Wire syndication reported the company’s financing milestone and its growth in advisors and firms served.
citybiz · Jun 2026
Reported the same $13M financing round and named Y Combinator, Social Leverage, NextGen VP, and The Compound Capital Fund as backers.
Financial Planning · Feb 2026
Profiles Joseph Wang and explains the box-spread financing strategy used by SyntheticFi for advisor clients.
Crain Currency · Oct 2025
Discusses how SyntheticFi’s box-spread borrowing strategy is being used by affluent investors and advisors.
Jobs and careers at SyntheticFi
0 jobs at SyntheticFi
No open positions
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