Cynergy Business Finance (Cynergy Bank): products, terms and eligibility

Cynergy Business Finance (Cynergy Bank) is a UK provider of invoice finance. The legal entity named on its site is Cynergy Business Finance Limited, company number 13322121. It is based in London. Companies House shows the company was incorporated 2021. It is part of Subsidiary of Cynergy Bank plc.

Cynergy Business Finance Limited (company number 13322121, incorporated 2021) is a subsidiary of Cynergy Bank plc and acts as the bank’s asset-based lending division. Its registered office is in London and its main operating office is in Manchester. Cynergy Bank plc holds a banking licence, is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. The site states that asset based lending is exempt from regulation by the FCA and PRA.

In its own words on scale:

• Says it provides funding of between £200,000 and £40,000,000 per eligible business, and describes total lines provided of £1.0bn (figures on its site in October 2026; the £1.0bn is undated).
• Says it supports companies across over 30 industry sectors.

Everything on this page comes from what Cynergy Business Finance (Cynergy Bank) publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Cynergy Business Finance (Cynergy Bank) publishes 4 products for UK businesses. The table above gives the amounts and terms as it states them.

• Multi-asset finance (plant and machinery, inventory, property): Must incorporate a receivables facility.
• Cash flow loans: Must incorporate a receivables facility.

Receivables finance (invoice finance)

Funding against a business’s receivables. The site says all facilities except asset finance and block discounting must include a receivables component. Facilities range from £200,000 to £40m per business. Advance rates and security terms are not published on the pages read.

Multi-asset finance (plant and machinery, inventory, property)

Funding against business assets including plant and machinery (asset finance), stock holdings (inventory finance) and property (property finance), alongside receivables. It is used for acquisition, growth and expansion, refinance and turnaround. Specific limits and advance percentages are not published on the pages read.

Cash flow loans

Described as short-term liquidity solutions within the asset-based lending range, and subject to the rule that facilities other than asset finance and block discounting include a receivables component. No further structure is published on the pages read.

Block discounting (to asset financiers)

Described as batch invoice financing, offered within the same £200,000 to £40m range. The pages read give no further detail on how it is structured.

Cynergy Business Finance (Cynergy Bank) says its finance is used for:

• Growth and expansion
• Acquisitions
• Refinance
• Turnaround

Sectors and business types it says it funds:

• UK SMEs across over 30 industry sectors, with funding against receivables, inventory, plant and machinery, equipment and industrial or commercial property

Cynergy Business Finance (Cynergy Bank) publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Small and medium-sized UK businesses.
• Funding from £200,000 per eligible business.
• Facilities other than asset finance and block discounting must include a receivables facility.
• Supports customers in over 30 industry sectors.

Cynergy Business Finance (Cynergy Bank) describes its process like this:

1. Contact the team by phone or email, or via its digital assistant.
2. Discuss the business and the assets available to fund against.

Every application is subject to status and the lender’s own criteria at the time.

Invoice finance releases cash tied up in unpaid invoices: the provider advances part of an invoice’s value when you raise it and pays the balance, less its charges, when your customer pays. With factoring the provider collects from your customers; with invoice discounting you keep collecting yourself.

Providers assess your customers as much as your own business: who owes you, on what terms and how concentrated the debt is. It suits firms that sell on credit to other businesses, such as recruitment agencies and manufacturers.

Points Cynergy Business Finance (Cynergy Bank) publishes that are worth knowing:

• Asset-based lending is exempt from FCA and PRA regulation.
• Funding is against business assets including receivables, plant and machinery, inventory and property.
• Supports growth, acquisition, turnaround and expansion situations.
• Export territories page lists approved and prohibited territories.

Security and guarantees

Funding is made against business assets: revolving assets (receivables and inventory) and fixed assets (plant, machinery and industrial or commercial property). Personal guarantee and early repayment terms are not published on the pages read.

Cynergy Business Finance (Cynergy Bank)’s site states: “Subsidiary of Cynergy Bank plc. Asset Based Lending is exempt from regulation by the Financial Conduct Authority and the Prudential Regulation Authority.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of invoice finance with profiles here include eCapital (UK), Hydr and Partnership Invoice Finance. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.