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Are there any restrictions to unsecured business credit lines?

There are no restrictions on our business credit lines. It can be used the same as cash. But credit lines are effectively used to overcome short-term capital requirements which is a 0 – 24 month payback period. Examples include sales and marketing campaigns, flipping real estate, expansion, etc.

Do I need to provide any documentation about my personal or business income?

We don’t require income verification. We only require stated income.

My company is new; can I still receive unsecured business credit?

Absolutely! We offer business lines of credit specifically for startup companies. If you’ve been in business for less than two years, you may still qualify for up to $75,000 unsecured business capital.

Will my unsecured business credit affect my personal credit score? (Transunion, Equifax, and Experian)

Not at all! All business credit lines that you acquire through Synergistic Investments will not show up on your personal credit report unless you default on your payments. You may pull funds on your entire balance without affecting your debt to income ratio.

What can I do if I have less than perfect credit?

That’s no problem. A lot of our clients have used co-signers. And the good news is, your co-signer’s personal credit score will not get affected, because as stated before, business credit lines will not show up on personal credit reports unless you default on payments.

Are there any upfront fees?

There are NO upfront fees. We only charge a one time 10% success fee only when you are approved and funded. You can use your business lines of credit to pay for the fee.

Isn’t the 10% success fee too high?

Not at all. A typical hard money lender charges 15% APR plus 3 or 4 points and requires at least a 20% down payment. Each project would cost you high interest rates and additional points. Our program only charges a one time 10% fee and the business lines of credit have 0% APR for the first 6-12 months and does not require any down payment. All additional projects that you might have for the first year will be interest free because of the 0% introductory rate.

Are business credit cards unsecured business lines of credit?

Absolutely, a business credit card is one of the most common forms of unsecured business credit. While the format of the credit line causes most business owners from obtaining them, our trained professionals teach our clients how to draw on the lines efficiently, so that they may be used similar to a check-book line of credit, without paying outrageous cash advance fees. While credit cards are often stigmatized by the public with bad debt, our clients are coached on how to creatively utilize these cash sources to grow their businesses faster than their competition.

My company is outside the United States, can I still get funding?

Unfortunately, we can only fund LLCs, companies, and corporations within the United States. (We are able to fund businesses in almost every US state.)

Is my information secure?

Yes our website is secured with a full 128/256 bit encryption powered by Comodo. To check the security simply type please note the “s” after after the http.