The fintech lending platform pioneering box spread financing now works with 3,000+ advisors across more than 300 firms, and counts Y Combinator, Social Leverage, and The Compound Capital Fund among its investors.

SAN FRANCISCO: SyntheticFi, a fintech platform helping registered investment advisors (RIAs) access low-cost, tax-efficient financing solutions for clients, recently passed $2 billion in regulatory assets under management (RAUM).

The company has raised over $13M in venture financing from Y Combinator, Social Leverage, NextGen VP (subsidiary of Brown Advisory), The Compound Capital Fund, and other investors across the wealth management ecosystem since its founding in 2023.

SyntheticFi also announced that it now works with more than 300 independent advisory firms, representing over 3,000 advisors nationwide, growing approximately 3x since the start of 2026.

The company’s momentum comes as advisors seek new ways to support the latest generation of affluent investors.

In recent years, as more wealth has been created in public and private markets, advisors have been asked to help clients with a wider range of decisions. In particular, accessing liquidity, managing concentrated stock positions, and funding large purchases without selling assets have become prominent considerations.

Historically, portfolio-backed financing strategies like box spreads and variable prepaid forwards (VPFs) were difficult to access and mainly used by institutional investors. In addition, liabilities planning has remained one of the least-developed areas of advisor technology, leaving firms with few options.

SyntheticFi was built to change this, by helping advisors bring strategies like box spreads and synthetic VPFs to a wider audience.

Through its platform, the company helps advisors evaluate and implement portfolio-backed financing solutions that can offer lower rates, potential tax advantages, and greater flexibility than traditional borrowing options.

Today, SyntheticFi serves firms ranging from emerging RIAs to some of the industry's largest advisory organizations. The platform is designed for a broad set of use cases, including home purchases, refinancing existing debt, managing concentrated stock positions, and other major financial decisions.

"For a long time, borrowing was treated as a separate conversation from wealth management," said Tony Yang, CEO and Co-Founder of SyntheticFi. "That's starting to change. Advisors are increasingly helping clients think about their entire financial picture. We believe the firms that do this well will create tremendous value for clients over the next decade. In our view, the growth we've seen reflects how much demand there is for better tools in this area."

Looking ahead, SyntheticFi plans to continue expanding its platform and suite of borrowing products.

About SyntheticFi

SyntheticFi is a fintech platform that helps registered investment advisors deliver low-cost and tax-efficient portfolio-backed financing solutions to clients. Combining technology, educational resources, and implementation support, SyntheticFi enables firms to incorporate institutional financing and liabilities planning strategies like box spreads and synthetic variable prepaid forwards (VPFs) into their wealth management offering. As of June 2026, SyntheticFi works with over 300 advisory firms across the U.S. with over $2B in RAUM.

Fonte: Business Wire