> For the complete documentation index, see [llms.txt](https://advisorhub.syntheticfi.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://advisorhub.syntheticfi.com/product-learn-more/how-it-works.md).

# How it works

{% hint style="info" %}

## The loan runs inside the account you already manage

SyntheticFi opens the loan inside your client's existing brokerage account. Their investments never move. SyntheticFi handles the trading, monitoring, and reporting, so there's no ongoing operational work for you.
{% endhint %}

### What you actually do

1. **Run the numbers.** Use the Proposal Center in your Advisor Dashboard to generate a side-by-side savings comparison for the client.
2. **Answer a few questions.** Once the client says yes, you fill in some basic details in the dashboard.
3. **Your client signs.** We generate the paperwork and send it over. That's the only signature we need from them.
4. **We take it from there.** SyntheticFi opens the loan, monitors it, and handles the reporting.

### Setup is fast, and the paperwork is minimal

The exact timeline and forms depend on the custodian. At Schwab, for example, client onboarding is typically about a week, and the client signs a single DocuSign envelope covering the limited power of attorney (so SyntheticFi can trade) and the options and margin agreement (so the loan can be opened). Cash is generally available shortly after the loan is placed.

Other custodians follow a similar process with minor differences. Your SyntheticFi contact will walk you through the specifics for yours.

### Assets never move

The loan is held as a position inside the client's existing account. Nothing transfers to a third party, no new account is opened, and the client keeps full ownership and visibility of their holdings. Their portfolio stays invested exactly as it was.

### Repayment is flexible

The floating-rate line has no set maturity and no required payments. Fixed-rate loans can be paid down early or rolled forward at expiration. Either way, the client is never locked in. [Repayment →](/product-deep-dive/repayment.md)

### After the loan is live

SyntheticFi monitors margin, rolls positions as needed, and reports everything through the standard 1099. You and your client see the loan in the account like any other position.

***

[\* Important Disclosures](/disclosures.md)


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