Tailored Financing Solutions
We offer personalized guidance for loans, mortgages, tax optimization, and cross-border financing between the United States and the rest of the world.
Securities Backed Lending Programs (SBLPs)
We offer an innovative financing solution previously limited to institutional investors:
The Box Spread Loan
This approach allows you to borrow against your portfolio while keeping your investments intact.
Qualification is based on eligible brokerage collateral.
No income verification, no hard credit pull, no appraisal.
With low interest rates (near US Treasury Rates), tax advantages, and flexible repayment terms, it’s an efficient way to borrow.
Lending Rates
Here are the estimated bare metal interest rates with SyntheticFi.
SyntheticFi charges a separate management fee based on the loan balance.
This sample table is as of April 22, 2026.
For live lending rates data click here:
How Does It Compare to Other SBLPs?
This comparison table is as of April 22, 2026.
Relative to traditional SBLPs:
Lower Interest Rates
Better Tax Deductibility
Easier Operations
Why Are The Lending Rates So Low?
Because they should be.
We’ve removed the middleman banks, so our clients finally get access to what institutional level borrowing should cost.
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.
No Middleman, Direct Liquidity Access
Instead of negotiating interest rates with a single lender like Charles Schwab, Fidelity, Bank of America, etc we help you directly access the institutional borrowing market on stock exchanges.
Specifically, you 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, You Win
Behind every SyntheticFi loan, multiple lenders are on the market competing to offer you money.
Hundreds of millions of dollars compete daily in this huge capital market, thus offering you a competitive price to borrow.
Why Choose A Box Spread Loan?
Competitive Interest Rates
Competitive rates (current rate).
No additional fees from us.
Significant Tax Advantages
Interest paid on the loan is fully deductible as capital losses, with no limit.
Flexible Repayment Terms
Only pay interest, with no obligation to repay the principal unless you choose to.
Your portfolio remains invested, allowing it to continue growing and generating returns.
Access Liquidity Without Selling Your Investments
Borrow up to 85% of your portfolio’s value (excluding retirement accounts).
Use the funds however you like.
Use Cases
Bridge Financing
It can provide rapid, flexible capital to bridge temporary funding gaps.
This is highly useful for scenarios like securing a property before an old one sells or quickly covering unexpected large expenses.
Refinancing High-Interest Debt
Borrowers can leverage the competitive borrowing rates of box spreads to refinance and pay off more expensive existing debt, such as Home Equity Lines of Credit (HELOCs) or vehicle loans.
Liquidity Without Selling Assets (Tax Deferral)
Borrowers can access cash without needing to liquidate their securities.
This allows their assets to continue growing in the market while avoiding the immediate trigger of capital gains taxes.
Fast, Cheaper Capital for Business Owners
It can offer a faster and significantly more cost-effective source of capital for business operations and expansions compared to traditional commercial bank loans.
Financing for International Clients
It can serve as a reliable source of borrowing for international clients who often face high hurdles or outright rejections when seeking loans from traditional US banks.
Strategic Wealth Preservation & Tax Deductibility
Borrowers can purposefully use debt to acquire additional assets while capitalizing on tax strategies. Because of how box spreads are structured, the loan interest often offers universal tax deductibility against capital gains, maximizing long-term wealth preservation.
Understanding the Risks of a Box Spread Loan
While a Box Spread Loan is a powerful financial tool, it’s essential to be aware of potential risks:
Market Risk
If your portfolio value drops significantly, some assets may need to be sold to meet loan requirements.
Liquidity Restrictions
Your portfolio serves as collateral, meaning withdrawals require prior discussion with us, as they may impact the overall risk profile of your portfolio.
Interest Payments
Interest can be paid or rolled over, regardless of portfolio performance.
This strategy may not be suitable for all investors, as it involves risks related to market fluctuations.
Disclaimer
While we work to manage risks, market conditions can impact outcomes.
You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions.
Contact Us
Call/Text: 469-480-7904
Email: info@tymeadvisors.com
Home Office
5851 Legacy Circle
6th Floor
Plano, TX 75024
Mailing Address
5900 Balcones Drive
#26458
Austin, TX 78731
Disclaimer
This website is not an offer or solicitation in any jurisdiction in which the firm is not registered. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. The services, securities and financial instruments described on this website may not be suitable for you, and not all strategies are appropriate at all times. Investments involve risk and are not guaranteed. Past performance is not necessarily a guide to future performance. Independent advice should be sought in all cases.
TYME Advisors is a U.S. Securities and Exchange Commission (SEC) Registered Investment Advisor . Registration does not imply a certain level of skill or training. Information about the firm including the Customer Relationship Summary is available on the SEC’s website at www.adviserinfo.sec.gov. Information about our privacy policy is located here.