Cynergy Bank Review

Cynergy Bank is a UK challenger bank. Its invoice finance comes through Cynergy Business Finance, the bank's asset-based lending arm, which funds between £200,000 and £40,000,000 per eligible business against receivables, plant and machinery, inventory and property, across over 30 sectors.

Cynergy fits established businesses that want to borrow against more than one type of asset in a single facility. It does not publish pricing, so compare quotes. More detail + scope

This page covers

Cynergy Bank invoice finance: who provides it, funding range, products and when to look elsewhere

Not covered here

General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)

Key Facts

TypeUK Challenger Bank
LenderCynergy Business Finance (ABL arm)
Funding range£200k to £40m
PricingNot published
Sectors30+

Source: Cynergy Business Finance, checked September 2026.

When Cynergy Wins

When to Look Elsewhere

Official site: Cynergy Bank

AP

Adam Parker

Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd

Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.

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Cynergy Bank FAQ

Who provides Cynergy's invoice finance?

Cynergy Business Finance Limited, which describes itself as the asset-based lending (ABL) arm of Cynergy Bank plc. It funds against receivables, plant and machinery, inventory and property.

What products does Cynergy Business Finance offer?

Receivables finance, asset finance, inventory finance, property finance, cash flow loans and block discounting. The bank itself also offers business current accounts, savings, and FX and payment services, so one group can cover several needs.

What size of business does Cynergy fund?

Cynergy Business Finance states a funding range of £200,000 to £40,000,000 per eligible business. It does not publish a minimum turnover; in practice a facility of £200,000 implies a business with a substantial debtor book. Smaller businesses should compare lenders with lower entry points.

What sectors does Cynergy fund?

Cynergy Business Finance says it supports customers in over 30 industry sectors. Receivables finance generally suits B2B businesses selling on credit terms.

What's Cynergy's pricing?

Cynergy does not publish invoice finance pricing; it is quoted per facility. Compare the service charge, the discount margin over Bank of England base rate, and any minimum fees against at least one other lender.

How does Cynergy compare to other challenger bank lenders?

Cynergy combines receivables, asset, inventory and property finance in one ABL facility, which suits businesses with more than one type of asset to borrow against. For a plain invoice finance need, get quotes from Aldermore or Close Brothers too and compare total cost.