Our approach

Our approach

We have been fortunate to build up long-standing relationships amongst the intermediary community over the past six decades. We regard the intermediaries that we work with as vital partners in our success story, and since becoming patrons of the NACFB we have made many new valued relationships.

We value the relationship we develop with each of our introducers and we’re committed to offering:

• Competitive commission structures

• Prompt payment of commission once a loan is drawn

• Fast response to loan applications

• Tailored solutions to customers’ needs

• Quick credit decisions

• Dedicated Banking Managers to offer support and expertise

Who we are

Cynergy Bank is dedicated to meeting the financial needs of UK small and owner-managed businesses across a range of sectors.

We’ve been operating in the UK since 1955. During that time we’ve established ourselves as a genuine alternative to the mainstream clearing banks, serving a diverse customer base from our business centres across the UK.

We value the relationship we develop with each of our intermediaries and recognise the part you play in tailoring our finance solutions to the needs of your customers.

We have a range of flexible products and services that can be tailored to suit every business.

We provide the means, such as the ‘decision in principle’ tool on this website, to help you offer your customers the highest level of service.

We also aim to process your referrals promptly and manage commission payments efficiently. We’ll keep you informed every step of the way by your preferred means of communication.

Why we're different

What our customers and other business partners like about us is that we are a very straightforward bank:

• We believe in offering our UK savers consistently competitive savings products

• We use these funds to support UK small and owner/managed businesses, providing a range of flexible products and services that can be tailored to suit most businesses

• We back this up with an attentive and responsive team of professional bankers who are experienced in their field and understand that every business is different, only recommending products that are suitable to your business

• Our customers have access to a relationship management team, contact is proactive and frequent so that customer gets to know and trust the team. Our team approach ensures continuity, even if staff move on

• We avoid ‘red tape’ and our short communication lines mean that we can provide our customers with quick decisions

Our focus has always been on the small/owner-managed end of the SME marketplace. These customers have not always been well served by the larger banks where it is simply impractical or uneconomical to offer a truly personal relationship.

In our experience, what businesses really want in the long run is a fair deal, responsiveness, consistency and reliability of relationship. In this respect, our relationship managers are key to any decisions we make.

Our UK heritage is important, as is the fact that we are UK authorised and regulated and members of the UK Financial Services Compensation Scheme .

What we offer

We have a range of business finance solutions to meet your customers' needs including:

• Business lending: commercial loans and overdrafts

• Day-to-day banking: mobile banking, online banking, current account and cash management

• Savings: highly competitive fixed-rate bonds, notice and instant access accounts for businesses

• Treasury services: for efficient and secure overseas trading

• Insurance and protection: for your insurance and protection needs.