Cynergy Bank

A specialist bank that serves the needs of business owners, entrepreneurs, property professionals and family businesses.

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Max term

250k - 10m

Min/Max Loan



Launched in 2019, the bridging arm of Cynergy Bank was created to support UK individuals, sole traders, partnerships, limited companies, and limited liability partnerships. The team offer either ‘loans to keep’ where the customer refinances with another lender or moves onto a longer term Cynergy product at the end of the term, or ‘loans to sell’ where the finance is repaid by selling the security or other assets.

Bridging is seen as a key offering for the bank, improving its range of products by enabling it to offer a fully relationship-managed lifecycle journey, from acquisition, through development to long-term funding. The team at Cynergy are both accessible and knowledgeable and work closely with their clients to find solutions to their evolving business needs. They are empowered to make quick decisions and lend right across England and Wales.

With a strong product offering and understanding of their customer’s needs the Cynergy team believe they have brought a unique proposition to the crowded short-term lending sector. Ultimately, they recognise that professional and personal lives often overlap, and they aim to help empower their customers to achieve their ambitions by solving their short-term requirements and hopefully, thereafter, serving all their banking needs. Once they bring a customer on board, they will do all they can to keep them there!

Meet the team

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Contact Cynergy Bank

Cynergy Bank
Bridging Finance
PO Box 17484
87 Chase Side
N14 5WH

+44 345 850 5555

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Frequently Asked Questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What can I use a bridging loan for?

Bridging loans can be used for a wide variety of purposes. Perhaps the most common purpose is to allow you to buy a new home or business premises before you have sold your existing property. They can also be used by investors to buy property at auction, landlords to acquire buy-to-lets, developers to acquire and renovate properties and businesses to raise working capital. There are a myriad of different uses and can help to find the best loan for you.

How much can I borrow?

Loans generally range from £10,000 to £50M with smaller or larger amounts provided on an exceptional basis. The value and equity within the property or properties you are securing against will determine how much you can borrow. The maximum loan to value (LTV) currently offered by most lenders ranges between 65-80%

What rates can I expect to pay on a bridging loan?

In general most bridging loans will fall between 0.5% and 1.5% per month although occasionally they can be either slightly cheaper or slightly more expensive. Each loan is priced on risk with particular attention paid to the property, its location and the strength of your exit strategy.

How long will it take to get these funds?

Many lenders can agree terms in hours and funds can be in place in days rather than weeks. Average completion times with some lenders can be in the range of just 7-14 days. When you require speed to take advantage of a time-limited opportunity can help you to find the best lender for your unique circumstances.

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