> 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/working-with-prospects-learn-more/when-syntheticfi-wins-new-business.md).

# When SyntheticFi wins new business

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## Look for prospects already borrowing or about to

SyntheticFi wins fastest with prospects refinancing an existing loan, leaving a wirehouse SBLOC, planning a mortgage, borrowing against appreciated assets, or funding a business or deal. Each has a clear dollar-savings story you can run in the first meeting.
{% endhint %}

These are five of the most common situations where SyntheticFi creates an obvious, easy-to-close win. There are plenty of others (lifestyle purchases, bridge loans, opportunistic investing), but these five come up most and have the cleanest math.

### The five scenarios

1. **Loan refinance.** Any prospect with an outstanding margin loan, SBLOC, HELOC, or high-rate personal loan. Show them the rate difference, run the savings, and the pitch closes itself.
2. **Wirehouse SBLOC refi.** A common case: the prospect has an SBLOC at Morgan Stanley, UBS, Merrill, or another wirehouse and is unhappy with the rate or service. SyntheticFi usually saves them meaningfully and adds tax deductibility, a strong reason to move their assets to you.
3. **Mortgage planning**. Prospects buying a home, especially jumbo buyers above the mortgage interest deduction cap (currently $750K). SyntheticFi can supplement or replace the mortgage at a lower rate with generally deductible interest.
4. **Buy-borrow-die planning.** Prospects with large appreciated portfolios who want to fund their lifestyle without realizing capital gains. SyntheticFi can be a lower-cost, tax-efficient way for them to borrow.\*
5. **Business owners and real estate investors.** Prospects who need fast, flexible liquidity for operations or deals. No credit check or traditional underwriting, and often a lower rate than a bank line.\*

***

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**Want the detail on each one?** The Use Case Scenarios section has examples, value props, and the objections specific to each case. See use case scenarios →
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***

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


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