Cynergy Business Finance  Reviews 

130
TrustScore 5 out of 5

4.9

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Review summary

Created with AI, based on recent reviews

Evaluating 76 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, approachable, and genuinely dedicated to fully understanding individual business needs. People note that the team provides outstanding day-to-day support, making complex financial processes feel smooth, transparent, and manageable. Some people also felt that the initial onboarding and setup stages were remarkably straightforward and well-organized. Reviewers frequently mention that ongoing communication is consistently clear, prompt, and highly professional throughout the entire partnership. Consumers appreciate having reliable relationship managers available who respond quickly and ensure everything runs seamlessly.

What people talk about most

Staff

Consumers find staff to be positive, highlighting their approachable and supportive nature throughout the... See more

Service

Reviewers highlight positive aspects of service, describing the overall experience as professional,... See more

Customer service

Users describe positive interactions with customer service, noting that representatives are consistently... See more

Response time

Reviewers consistently share positive feedback about response time, highlighting quick replies to queries and... See more

Facilities

Clients share positive opinions on facilities, highlighting successful cash flow management and excellent... See more

Reviews shaping this summary

Rated 5 out of 5 stars

We have been working with Cynergy for a year now. Everything from setup, onboarding and the day to day management has been straight forward and we have been fully supported. Dave Green was with us at... See more

Company replied

Rated 5 out of 5 stars

Just a quick note to Thank you all for your efforts in assisting us recently. Your help has made a difficult process as smooth as possible, and it’s much appreciated. In a world where we are... See more

Company replied

Rated 5 out of 5 stars

I have dealt with Maxine Hennessy in the Invoice Discounting team for many years. Her knowledge of this sector and her dedication to her clients goes far beyond expectations. Even when she is not mean... See more

Company replied

Rated 5 out of 5 stars

We have only recently transferred over to Cynergy and, so far, the transition has been very smooth, thanks to Munair. Munair has been incredibly helpful throughout the process, taking the time to... See more

Company replied


Company details

  1. Non-Bank Financial Service

Written by the company

Cynergy Business Finance is the asset-based lending subsidiary of Cynergy Bank*. We are committed to delivering a comprehensive set of services to meet the evolving needs of our clients and provide a range of finance solutions, between £200,000 and £40,000,000 per eligible business, against business assets such as receivables, plant & machinery, inventory and property. We also offer Block Discounting, cash flow loans and provide complementary export funding. The Cynergy Business Finance team has extensive collective experience in commercial and corporate lending, supporting clients to achieve their growth, acquisition, turnaround and expansion objectives. We are the proud winners of the 'Asset Based Lending Team of the Year' award at Insider Media’s Dealmakers Awards 2022. Please visit cynergybusinessfinance.co.uk to find out more. *Cynergy Bank was established in 2018 following the acquisition of a UK based community bank and serves the needs of business owners, property entrepreneurs and family businesses.


Contact info

4.9

Excellent

TrustScore 5 out of 5

130 reviews

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4.9

All reviews

(130)

73 reviews in the last 12 months

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Rated 5 out of 5 stars

We found the team extremely helpful and…

We found the team extremely helpful and supportive throughout the process, all delivered in a short time period.

August 5, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're so glad our team was helpful and supportive, especially with the quick turnaround. We appreciate your kind words!

Cynergy Business Finance

Rated 5 out of 5 stars

A refreshingly human banking experience

A refreshingly human banking experience
The bank supported us in putting an ABL facility in place, and the experience was genuinely different from what we had come to expect from a traditional bank.
The team were human, approachable, understanding and supportive throughout the process. They took the time to understand our business, our needs and our growth plans, then adapted their approach accordingly. The team we worked with was David Green, Mark Simpson, David Pelham and Martin Wong. David Pelham was always on the end of the phone (even outside working hours!)
It was clear that they genuinely wanted to help us find the right solution and support the business in achieving its ambitions. A refreshingly collaborative and positive experience, and quite unusual in the banking world.

July 30, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We are incredibly grateful for your wonderful feedback and are so pleased to hear that our team provided such a positive and collaborative experience. It is truly rewarding to know that our approach to understanding your business, needs, and growth plans made a significant difference. We always aim to be supportive and responsive, and we are delighted that this was your experience. Thank you for recognizing our efforts; we look forward to continuing to support your ambitions.

Cynergy Business Finance

Rated 5 out of 5 stars

Re-structuring Finance

Just a quick note to Thank you all for your efforts in assisting us recently.
Your help has made a difficult process as smooth as possible, and it’s much appreciated.

In a world where we are quick to complain, we sometimes overlook the praise when things have gone well.

Here’s to a brighter future !!

Thank you and Kind Regards,

July 29, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We are truly grateful for your kind words and appreciate you taking the time to share your positive experience. We are so pleased we could make a difficult process smoother for you. We will share your feedback with James, Sam and Harrison. Thank you

Cynergy Business Finance

Rated 5 out of 5 stars

Life doesn’t always go to plan

Life doesn’t always go to plan and challenges come up that are extremely hard to navigate. I had some personal challenges mainly with my dad’s health but also my daughter and was finding life real hard at the time. The MI was due and my balance sheet wasn’t balancing so it was back and forth between myself and my accountants for some time. I found this stressful and it was waking me at night worrying about it. I reached out and shared this with Sam who orchestrated for me to submit the information still needed but on a quarterly rather than monthly basis. I can’t express how helpful at that time that was. She took the time to listen to my challenges and did everything she could to help and for that I am extremely grateful. The emotional intelligence and professional input during a tough time was superb. I wish I could have shared that via the survey, but I hope it’s ok to share with you here.

February 2, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We truly appreciate you taking the time to share your experience with us, especially during such a challenging period in your life. We understand that navigating personal difficulties, particularly those involving family health, can be incredibly stressful and impact various aspects of life. It means a great deal to us to hear that our team was able to provide the support and flexibility you needed when your balance sheet wasn't balancing. We are glad that we could adapt our processes to accommodate your situation, allowing you to submit information on a quarterly basis. It is always our aim to approach every interaction with empathy and professionalism, ensuring that we listen to our clients' unique circumstances and offer practical solutions. Your feedback highlights the importance of emotional intelligence in our professional interactions, and we are grateful that our efforts made a positive difference for you.
Thank you.
Cynergy Business Finance

Rated 5 out of 5 stars

Cynergy Business Finance

We have been with Cynergy Business finance for over a year now, and have always found them helpful and quick to respond to queries. Very pleased with the service.

July 7, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We are so pleased to hear about your positive experience and that we have been helpful and responsive. Thank you for your kind words! We launch our Client survey this week and would be delighted if you could take a couple of minutes to complete the questions for us, your feedback and any recommendations are very important to us.

Cynergy Business Finance

Rated 5 out of 5 stars

Our RM Imogen Clowes has been…

Our RM Imogen Clowes has been exceedingly helpful honest and transparent, meaning the 'day to day' processing has been relatively smooth, she has taken the time to train us and enable us to understand what we need to do and why, It has been a pleasure to work with her. Would recommend them to anyone needing their services.

June 17, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We are so pleased to hear about your positive experience and appreciate you sharing your kind words. We are glad we could be so helpful.

Cynergy Business Finance

Rated 5 out of 5 stars

We have only recently transferred over…

We have only recently transferred over to Cynergy and, so far, the transition has been very smooth, thanks to Munair.

Munair has been incredibly helpful throughout the process, taking the time to explain everything clearly and answering all of our questions with great patience. His support and guidance have made what could have been a daunting change much easier to manage.

Thank you, Munair, for all your help and patience – it is very much appreciated.

June 8, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We are so pleased to hear that your transition has been smooth and positive. We truly appreciate you sharing your kind words and valuable feedback so soon into the Relationship. We look forward to building a trusted partnership!

Cynergy Business Finance

Rated 5 out of 5 stars

Cynergy have become a great partner…

Cynergy have become a great partner from on boarding through to transitioning away. Their staff from James J and Harrison have been exceptional, honest and transparent. It has been a pleasure to work with them, helpful, organised and very much colaborative. Would recommend them to anyone needing their services.

June 9, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're so pleased to hear we've been a great partner throughout your journey. We appreciate your kind words about our team's exceptional, honest, and collaborative approach. Thank you for recommending our services! We wish you all the success for the future.

Cynergy Business Finance

Rated 5 out of 5 stars

The best financial support from Cynergy Business Finance.

When looking to finance a large business expansion with asset finance and also great working capital options, we were recommended to Cynergy Business Finance.

Never heard of them before, yet after a couple of months working with their team the process was effortless from start to finish.

The diligence and response from the whole team at Cynergy was second to none, which is a great support to our financial plans.

We would have no hesitation in recommending Cynergy Business Finance.

May 8, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that your experience with our team was effortless when financing your business expansion. It's great to know our diligence supported your financial plans. We appreciate your recommendation!

Cynergy Business Finance

Rated 5 out of 5 stars

We wouldn't be here today without Cynergy!

Without the support from Cynergy, our business quite simply would not have survived. We now have an IF facility that helps us manage our working capital cash flow and a team of Cynergy customer service employees behind the scenes providing much needed guidance.

April 27, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that our IF facility and customer service team have been instrumental in helping your business thrive. Thank you for sharing your positive experience with us!

Cynergy Business Finance

Rated 5 out of 5 stars

Cynergy Bank review

We've spent the last 12 months working with Cynergy Bank. Our main point of contact is James John, over the year he has taken time to understand the nuance of our business which has helped enormously with the funding we've required... The invoice finance funding they offer is clear, concise and seamlessly works with our fast paced business.

April 23, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that the invoice finance funding works seamlessly with your business. It's great to know that our team has taken the time to understand your business and provide clear, concise support. Thank you for your positive feedback.

Cynergy Business Finance

Rated 5 out of 5 stars

Cynergy confidential invoice discounting

Cynergy have been provided our confidential invoice discounting facility since 2022 and I am pleased to have signed up for another 2 years. Cynergy offered us a facility that many other lenders would not consider, because of our unusual client base. At the time, they took time to understand our business and our clients, and that has been the case throughout. The ability to pick up a phone and speak to a dedicated team (Kristina, Bethanie and Imogen) who know us and who are willing to delve into an issue to understand it, is invaluable.

Facility limits, pricing and response times have all been excellent.

April 21, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We appreciate your continued partnership. We're happy to hear that our team's dedication and understanding of your business have been invaluable. It's great to know our facility limits, pricing, and response times have met your expectations. Thank you for your positive feedback!

Cynergy Business Finance

Rated 5 out of 5 stars

great experience with Cynergy

great experience with Cynergy! The staff are very helpful, and a special thanks to Alex English, our RM, for being so supportive and cooperative.

April 9, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that you are having a great experience! We appreciate your kind words regarding our helpful staff and supportive relationship manager. Thank you!

Cynergy Business Finance

Rated 5 out of 5 stars

C.I.F.

I am currently using the confidential invoice financing facility and, after being previously apprehensive about using services such as these, I am having a very positive experience. From the set-up of the facility by Maxine Hennessy, to the running of the account by Imogen Clowes, the team were very professional and easy to deal with, explaining the terms clearly and making sure that our team understood how the processes worked. Access to funds was quick once everything was set up, which is really helping us navigate through the 'leaner' period in our year. There were a couple of confusing instances at first but mainly down to us being very new to the service and nothing major enough to outweigh the benefits of the facility. All in all, a reliable option for any business needing to improve cash flow, which I would recommend to anyone looking to do so.

March 19, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We appreciate you sharing your positive experience with our invoice financing facility. We're happy to hear that the team provided professional support and clear explanations during setup and account management. It's great to know that quick access to funds is helping you manage cash flow effectively. We value your recommendation! Thank you

Cynergy Business Finance

Rated 5 out of 5 stars

Kristina Circus and Bethanie…

Kristina Circus and Bethanie Winterbottom have not just facilitated our new relationship with Cynergy Business Finance but encouraged an open dialogue and collaborative working between us and the Cynergy team. This approach is providing a platform for both parties to get the best return out of our relationship.

March 16, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that the facilitation and open dialogue have fostered a collaborative working relationship. It's great to know this approach is providing a platform for the best return for everyone involved. Thank you for your positive feedback.

Cynergy Business Finance

Rated 4 out of 5 stars

Application for finance

The service given by our bank relationship team was excellent and cannot be faulted.
What marks this as 4 star (more 4.5) is with the length of time it took between stages due to the other parties such as underwriters, where they asked questions that should be on record from the start about our trading style and customers.

March 13, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that our relationship team provide excellent service. We appreciate your feedback regarding the delay and questions from senior underwriters, we have shared your observations to ensure efficiency and a smoother experience in the future. Thank you.

Cynergy Business Finance

Rated 5 out of 5 stars

Great approach to deal making and…

Great approach to deal making and trying to get things done. Very fast turnaround on facility offer and credit underwriting approval. Appreciate all your efforts.

March 10, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We are happy to hear that you had a positive experience with our deal-making approach and fast turnaround. We appreciate you acknowledging our efforts! Thank you

Cynergy Business Finance

Rated 5 out of 5 stars

Exceptional Service

Since moving to Cynergy Business Finance, the personalised support from Alex English, Nicole Wadmore, Nathaniel Higgins and the team has been exemplary, and a breath of fresh air in an industry such as finance where complexity often raises concerns and anxieties.
Firstly their on boarding process with Nicole was totally seamless with full support, making this usually anxious time painless.
Their ability to deal with matters in a logical straight forward and supportive way with real expertise gives confidence which is second to none in our experience. We would recommend Cynergy Business Finance to any business who needs a proactive competent partner.

December 1, 2025
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that the support you've received has been exemplary. We appreciate your highlighting the seamless onboarding and the team's expertise. It's great to know that our approach gives you confidence, and we thank you for recommending our services.

Cynergy Business Finance

Rated 5 out of 5 stars

First class feedback from my clients

Good operators having passed many clients over to my contact Luke Fitzsimmons. He has understood the clients needs and feedback from the clients is excellent. One in particular has had experience with many other IF providers and rates Cynergy as first class

February 3, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that our originators and operators have provided excellent service. It's great to know the clients' needs were understood and they had a first-class experience.
Thanks for your positive feedback!
Long may our relationship continue

Cynergy Business Finance

Rated 5 out of 5 stars

Cynergy Team were fantastic from start to finish

Luke, Reilly and the Cynergy team were fantastic from start to finish. Communication was brilliant, and we always had someone at the other end of the phone to aid us when needed. Once all in place, the organisation from the team at Cynergy meant quick turnarounds. A fantastic asset to any business so thank you all!

January 28, 2026
Unprompted review
Cynergy Business Finance  logo

Reply from Cynergy Business Finance

We're happy to hear that the team provided you with brilliant communication and quick turnarounds. We appreciate you considering us a fantastic asset and thank you for your positive feedback!

Cynergy Business Finance

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