> 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/when-should-i-use-it.md).

# When should I use it?

{% hint style="info" %}

## Reach for SyntheticFi whenever a client needs cash

If the client has a non-retirement portfolio and would otherwise sell investments or pay a high rate to borrow, it's usually worth a look.
{% endhint %}

### The four situations where it consistently wins

**1. A client needs cash and is about to sell.** Selling triggers capital gains, pulls them out of the market, and shrinks your AUM. SyntheticFi gives them the cash while keeping the portfolio invested. [Retain AUM →](/product-deep-dive/retain-aum.md)

**2. A prospect is borrowing expensively somewhere else.** Outstanding margin loans, SBLOCs, jumbo mortgages, or an upcoming large purchase all make for easy wins. [Win new clients →](/product-deep-dive/win-new-clients.md)

**3. An existing client is overpaying to borrow.** Anyone in your book with an SBLOC, margin loan, HELOC, or high-rate mortgage is likely paying more than they need to. [Save existing clients money →](/product-deep-dive/save-existing-clients-money.md)

**4. A client is buying a home.** A SyntheticFi loan can replace or supplement a jumbo mortgage at a lower, fully deductible rate, without selling assets for the down payment. [Client buying a house →](/product-deep-dive/client-buying-a-house.md)

***

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


---

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