Synergistic Investments, LLC is an online lending company founded in 2013 by CEO John Terry Nicasio and its corporate headquarters are based in Cerritos, California. The company offers unsecured loans up to $150,000 to borrowers of all credit types with no collateral required. Approval generally takes one day and funds can be received within 10–20 days. There is no customer feedback regarding the company available online and the company does not have a corporate profile with the Better Business Bureau.

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Typical Borrowers

Synergistic Investments is best suited for small business owners who may have difficulty qualifying for loans through traditional banking lenders. The company works with all types of credit histories and does not require collateral or income verification. Typical borrowers are startup and real estate companies needing easy access to short-term capital and 100 percent financing for real estate deals. Terms range from six months to two years, depending on the approved amount.

Best Uses

Small business loans from Synergistic Investments are typically used for inventory and equipment purchases, marketing, and payroll.

Minimum Qualifications

  • Only Stated Income Required
  • Co-Signer for Poor Credit
  • One-Page Application

The Good

  • Easier access to lines of credit
  • Minimum fees

Pros of Synergistic Investments Small Business Loans

  • Approval within One Day
  • No Collateral Required
  • No Upfront Costs
  • No Income Verification Needed
  • Loan Application Does Not Affect Credit

Easier Access to Lines of Credit

Businesses that have been in operation for less than two years are able to secure access up to $75,000 in unsecured lines of credit. Lines of credit do not appear on personal credit scores unless a borrower defaults on monthly payments. Small business owners that have less than perfect credit can use co-signers to apply, if desired.

Minimum Fees

Synergistic Investments does not charge any prepayment penalties or origination fees. There are no upfront application fees either. Interest rates on lines of credit are as low as nine percent, and the financial services company guarantees a zero percent introductory period for 6–12 months. There is a ten percent fee of the total received amount of business credit once approved.

The Bad

  • Low amounts of capital
  • Lack of customer feedback
  • Time to funding

Low Amounts of Capital

Small business owners are only able to apply for lines of credit up to $150,000 initially. Other alternative lenders online are able to offer up to $5 million in financing. The company is limited in its loan offerings to only business lines of credit. In order to utilize these lines efficiently, borrowers must be coached by company representatives to avoid accruing bad credit.

Lack of Customer Feedback

There is no feedback from customers available anywhere online. There is no way to accurately tell how well the company handles complaints or other support issues.

Time to Funding

It can take up to 20 days through Synergistic Investments for a small business owner to receive funding, which is a much longer timeframe than similar competitors. Many other online lenders are able to make funds available within one to seven days. This may be extremely inconvenient for business owners who need their funds quickly.

The Bottom Line

Synergistic Investments is best suited for startup companies and solo small business owners who may have trouble acquiring lending from banking institutions. Borrowers are able to apply for up to $150,000 in lines of credit with payback terms under two years. The financial services company charges minimal fees for its services, but the time to receive funding is longer than other online lenders.

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