Six Trees Capital
Six Trees Capital LLC, founded in 2013, operates Max, a cash management platform that helps individual investors earn higher yields, financial advisors deliver improved cash solutions, and depository institutions manage balance sheets via online banking efficiencies.
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Six Trees Capital does
Six Trees Capital LLC is a privately held New York-based financial technology company founded in 2013 by former investment banker Gary E. Zimmerman. The company develops and operates a single flagship product called Max (branded as Max My Interest), a cash management platform that helps individual investors earn higher yields on the cash portion of their portfolios by harnessing the efficiencies of online banking while optimizing FDIC insurance coverage across multiple banks.
Max is delivered through three distinct channels: a direct-to-consumer online platform for individual investors, a white-label B2B solution for financial advisors seeking to offer clients improved cash management, and a balance sheet management tool (Max for Banks) for depository institutions. The underlying technology is protected by multiple US patents (Nos. 10,268,995, 10,510,082, 10,657,504, 11,531,972, and pending 12,632,841) and the "Max My Interest" and "Max. Your Best Interest." trademarks. Revenue is generated via subscription/recurring arrangements with financial advisors and licensing arrangements with depository institutions, though pricing is not publicly disclosed.
The company is structured as an LLC, is privately held by its founder and a group of high-net-worth individuals including former senior bank executives and PE/VC professionals, and operates with 1-10 employees. It also maintains an affiliated investment vehicle, Six Trees Ventures LLC, for selective fintech venture investments. All operations are US-domestic, with headquarters in New York City and a corporate mailing address in Portsmouth, NH. Total disclosed external funding is approximately $4.59 million across four rounds between 2013 and 2016 from a single investor (1/0 Capital).
Six Trees Capital firmographics
Firmographics- Name
- Six Trees Capital
- Legal name
- Six Trees Capital LLC
- Website
- https://sixtreescapital.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Six Trees Capital LLC, founded in 2013, operates Max, a cash management platform that helps individual investors earn higher yields, financial advisors deliver improved cash solutions, and depository institutions manage balance sheets via online banking efficiencies.
- Ownership category
- akta.pro rank
Six Trees Capital industry classification
Industry- Product category
- Cash Management Software
- NAICS
- Portfolio Management and Investment Advice (523940), Miscellaneous Financial Investment Activities (523999)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)
Keywords
Where Six Trees Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Six Trees Capital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Financial Advisor Services: Max helps financial advisors deliver a more compelling cash management solution to their clients, generating revenue through this B2B channel
- Bank Balance Sheet Services: Max helps depository institutions manage their balance sheets more effectively, providing value to banks without the typical costs associated with customer acquisition
Go-to-market motion2 records
Distribution channels3 records
Marketing channels1 record
Six Trees Capital product offering
Product offeringCore offering
Six Trees Capital develops and operates Max (Max My Interest), a cash management platform that helps individual investors earn substantially higher yields on cash by distributing funds across multiple online banks to maximize FDIC insurance coverage. Max also enables financial advisors to deliver a more compelling cash solution to their clients and helps depository institutions more effectively manage their balance sheets without the typical costs of customer acquisition.
Product overview
Six Trees Capital offers a single flagship product called Max (also branded as Max My Interest). Max is a unified cash management platform that connects individual investors to online banking to earn higher yields, provides financial advisors with a tool to offer clients better cash management with FDIC insurance coverage, and enables banks to manage deposit growth efficiently. The company also operates Six Trees Ventures LLC as a separate investment vehicle for fintech opportunities.
Differentiator
Problem solved
Functional benefit
Brands
- Max: Flagship service that helps individual investors earn substantially more on the cash portion of their portfolios by harnessing the efficiencies of online banking. Helps financial advisors deliver a more compelling cash management solution to their clients, delivering higher yield and greater FDIC insurance coverage.
Products and services
- Max (Max My Interest) A patented cash management platform that helps individual investors earn higher yields on cash by distributing funds across multiple online banks to maximize FDIC insurance coverage; offers financial advisors a white-label client cash solution that brings more cash into view for holistic asset allocation; and provides depository institutions (Max for Banks) a tool to manage balance sheets and deposit growth without traditional customer acquisition costs.
Companies that use Six Trees Capital
Customer profileSegments3 records
Ideal customer profiles3 records
Six Trees Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Six Trees Capital partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights3 records
Six Trees Capital competitors and assessment
Company assessmentBroad incumbents
- SoFi: SoFi delivers high-yield cash, deposits, and a broader financial super-app experience to retail customers, competing with Max on direct-to-consumer cash yield and integration breadth.
- Betterment: Betterment offers a high-yield cash product and broader robo-advisory platform to retail and advisor-channel customers, competing with Max on consumer cash yield though without Max's dedicated FDIC-aggregation specialization.
- Wealthfront: Wealthfront provides a high-yield cash account integrated into its automated investing platform, representing a broader incumbent competing for the same retail-investor cash-management wallet share that Max targets.
- Marcus by Goldman Sachs: Goldman Sachs' Marcus offers high-yield online savings and certificates of deposit directly to consumers, competing with Max's retail value proposition of earning more on cash through online banking efficiency.
- Fidelity Cash Management: Fidelity's cash sweep and money-market programs serve brokerage and advisor clients at scale, representing the largest incumbent in brokerage-anchored cash management that Max must differentiate against in the advisor channel.
- Charles Schwab: Schwab provides integrated cash sweep and money-market fund options across its brokerage and RIA custody platforms, making it one of the most entrenched incumbent cash destinations for the advisors Max targets.
Direct peers
- Flourish (MassMutual): Flourish provides FDIC-insured cash sweep and cash optimization programs to RIAs and their clients, directly overlapping Max's advisor-distribution value proposition of maximizing yield and FDIC coverage across multiple banks.
- IntraFi (formerly Promontory Interfinancial): IntraFi operates the CDARS/ICS network that aggregates deposits across many partner banks for full FDIC coverage, mirroring Max's core mechanism of distributing a single investor's cash across multiple institutions to maximize insurance coverage.
- StoneCastle Partners: StoneCastle builds and administers deposit-sweep and bank-network programs used by advisors and institutions, making it one of the closest infrastructure-level comparables to Max's cash-aggregation model.
Others
- Plaid: Plaid is a core data-aggregation and bank-connectivity infrastructure layer that underpins cash management and account-linking platforms like Max, making it an enabling peer rather than a direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Six Trees Capital social profiles
Digital presenceSix Trees Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Six Trees Capital leadership team
Management profileNumber of profiles
Profiles1 record
Six Trees Capital funding detail
Funding detailFunding overview
Funding rounds4 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Six Trees Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Six Trees Capital
What does Six Trees Capital do?
Six Trees Capital develops and operates Max (Max My Interest), a cash management platform that helps individual investors earn substantially higher yields on cash by distributing funds across multiple online banks to maximize FDIC insurance coverage. Max also enables financial advisors to deliver a more compelling cash solution to their clients and helps depository institutions more effectively manage their balance sheets without the typical costs of customer acquisition.
Is Six Trees Capital a public or private company?
Six Trees Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Six Trees Capital founded?
Six Trees Capital was founded in 2013. It employs 1 to 10 people.
Where is Six Trees Capital based?
Six Trees Capital is headquartered in New York, United States, in the North America region.
How does Six Trees Capital make money?
Two revenue lines are on record. Financial Advisor Services are the primary driver. The others are bank Balance Sheet Services.
Who are Six Trees Capital's main competitors?
Broad incumbents on record are SoFi, Betterment, Wealthfront, Marcus by Goldman Sachs, Fidelity Cash Management and Charles Schwab. Direct peers are Flourish (MassMutual), IntraFi (formerly Promontory Interfinancial) and StoneCastle Partners. Plaid is listed as an others.
Does Six Trees Capital have an API?
No public API is recorded for Six Trees Capital.
What industry is Six Trees Capital in?
Six Trees Capital's product category is Cash Management Software. Its primary akta.pro industry code is FSAGAAAG, Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration). Its NAICS code is 523940 and its SIC code is 6199.