> For the complete documentation index, see [llms.txt](https://docs.swivel.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.swivel.finance/other-resources/institutions/rate-profile-optimization.md).

# Rate Profile Optimization

Loosely defined, rate profile optimization is the set of activities performed by an individual or organization to obtain lower cost and/or lower risk on their borrowing/capital seeking, or higher return at acceptable levels of risk for their lending/investment. The objectives of rate profile optimization may also include seeking financing for specific objectives at the lowest cost, filling a time, return or risk gap in a portfolio, reducing risk, or optimizing funding by accessing alternative sources of lower cost liquidity.