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.

Rank Chart
Interest Rates
Revenue Requirement
Review

#1

1.5-12%
$50k/year

#2

15-35%
$54k/year

#3

5.99-36%
$100k/year

#102
Synergistic-Investment

9.0-15.0%
None

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

Synergistic Investments provide lending opportunities to small businesses looking for a loan. Their team can turn around loan applications quickly to get businesses the funding they need to launch new projects or services. Benefits of the Synergistic Investments service include:

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 8.99 percent, and the financial services company guarantees a 0 percent introductory period for 6–12 months. There is a 10 percent fee of the total received amount of business credit once approved.

The Bad

While Synergistic Investments provides small businesses with a lending opportunity that may not be available elsewhere, there are still aspects of their platform that business owners should be aware of. These limitations include the following items:

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 $2 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. The company does not have a corporate profile with the Better Business Bureau. 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 1–7 days.

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.

Frequently Asked Questions

How long will it take to receive funds from Synergistic Investments?

The company is able to make funds available within approximately 10–20 days.

Does Synergistic Investments require collateral with its loans?

No. The company does not require collateral or liens.

Does Synergistic Investments have prepayment penalties?

The company does not have any prepayment penalties.

Does Synergistic Investments charge origination fees?

The company does not charge an origination fee.

Does Synergistic Investments charge closing fees?

The company charges a 10 percent fee of the total received amount of business credit, payable out on the lines of credit received.

How can I contact Synergistic Investments?

Consumers can contact the company by phone at 1-323-419-3921.

More Information

Types of Loans Offered

Unsecured Lines of Credit up to $150,000

Rates Offered

9–15%

Term Lengths

6–24 month terms

The Borrowing Process

Small business owners are asked to complete a one-page pre-qualification application form. No income verification or collateral is necessary for approval. A consultant will review the submitted information and outline any needed steps for loan approval. Once approved, funds can be transferred to a business bank account within 10–20 days. Borrowers will be charged 10 percent of the total amount of received lines of credit as a service charge. The financial services company provides coaching on the best use of lines of credit and can assist the borrower to obtain larger loan amounts in the future.

How to Apply

Small business owners can apply for an unsecured loan up to $150,000 by filling out a short pre-qualification form on the corporate website. Approval by an investment consultant typically takes less than one day and funds are received within 20 days. Once approved, borrowers will be charged a 10 percent fee of the total amount of the loan. Over time, small business owners may be able to apply for large loan amounts, but initially can only apply for up to $150,000 in lines of credit.

There is no income verification or required collateral in order to qualify for small business lines of credit through Synergistic Investments. Small business owners with bad credit will need to have a co-signer in order for loan approval. A company representative will work with the borrower on how to use and maximize approved funding in order to avoid accruing bad debt from misuse. According to claims made by the company on its website, the techniques offered by representative help small business owners avoid the large fees typically associated with merchant cash advances.

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