Synergy Exchange

Business Funding. Cross Border Payments. Integrated on one platform.

Stop letting cash flow hold back your growth. Synergy combines tier 1 FX rates with flexible funding - so you can buy now, pay later, and scale without constraints.

Trusted by UK SMEs across industries

OUR FUNDING SOLUTIONS

Why UK businesses choose Synergy

We're built differently - and that's your advantage

Break free from cash flow constraints

UK businesses lose growth opportunities every day because of one problem: paying suppliers upfront while waiting 30-90 days for customer payments. Traditional banks offer rigid solutions that don't match how you actually trade. Synergy eliminates this bottleneck with integrated funding and payments - so your capital works harder, and your business moves faster.

How it works in three simple steps

From application to funding, we've streamlined everything so you can focus on growing your business.

Why businesses choose Synergy

A more flexible way to access funding and international payments — without being limited to one lender, one product or one way of working.

Integrated Platform

The only platform combining FX payments and business funding in one place. We're both your payment provider AND principal lender - no middlemen, no delays, no disconnected systems.

Access to funding
250+ funding partners
Funding structure
Tailored around your business
Funding + payments
One relationship for both
International payments
Competitive FX across 150+ currencies
Support
Dedicated specialist, start to finish
  • Supplier Payment Finance Pay suppliers upfront without using your own cash. Facilities up to £3M, 30-180 day terms. Funded in 48 hours.
  • Trade Finance Trade finance for UK SMEs. Pay overseas and UK suppliers up to £3M, repay over 30-180 days. Fast decisions, flexible revolving facilities.
  • Invoice Finance Turn unpaid invoices into immediate capital. Access up to 99% of invoice value within 24-48 hours. Selective UK invoice finance.
  • 360 Solution Combine Supplier Payment Finance and Invoice Finance to fund your entire trade cycle with one integrated facility.
  • Term Loans Fixed lump-sum business loans up to £2M for growth, projects, or investment. Repay over 1-60 months with fixed payments.
  • Asset Finance Fund equipment, vehicles, and machinery without upfront costs. Terms up to 7 years. Decisions within 48 hours.
  • Management Accounts Need management accounts for funding? Our ICAEW-qualified team delivers full Balance Sheet & P&L within 24 hours.
  • FX Payments Award-winning FX services across 150+ currencies. Competitive rates, hedging, and expert specialists for international payments.

Empowering businesses with integrated funding solutions and international payment services.

Copyright © 2026 Synergy Exchange Ltd.

Synergy Exchange Limited is registered in England and Wales under company number 08238536. Registered office: 30–34 New Bridge Street, London, EC4V 6BJ.

Synergy Exchange Limited is not authorised or regulated by the Financial Conduct Authority and only introduces non-regulated commercial finance products.

We work with a panel of lenders whose particulars will be supplied upon request to identify a potentially suitable finance arrangement for your consideration. We are not whole-of-market and may not have access to every lender or product available.

We will typically receive commission from lenders or finance providers where a client proceeds with a product or facility following an introduction made by us. Different providers may pay different amounts using commission models including a fixed fee, a fixed percentage, a percentage of the amount borrowed or a rate-for-risk model. The specific commission amount, model and calculation will be disclosed to the client during the customer journey and before formal acceptance of the relevant finance agreement.

ICO Registration Number: ZC147469

Payment services are provided by Equals Money PLC, registered in England & Wales No. 05539698, part of Equals Group Limited (registered in England & Wales No. 08922461). Registered office: 3rd Floor, Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Money PLC is authorised by the Financial Conduct Authority to provide payment services (FCA No. 488396).

Synergy Exchange's Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited. Synergy Exchange is partnered with Ebury Partners UK Limited as a Programme Manager. Ebury Partners UK Limited (EPUK) is an Authorised Electronic Money Institution and is a licensed entity that is permitted to offer spots and forwards for commercial purposes of facilitating payment for identifiable goods or services and direct investments, as per the applicable Markets in Financial Instruments Directive II (MiFID) exemption. Regulated investment products, as defined in MiFID II, fall out of the scope of this licence and are not permitted to be traded under EPUK. Ebury Partners UK Ltd is a company registered in England and Wales no. 07088713. Ebury Partners UK Ltd is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900797). Ebury Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.

Payment and foreign exchange services are provided by Global Currency Exchange Network Ltd. T/A GC Partners. Global Currency Exchange Network Ltd. is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations, 2017 (FRN: 504346). Registered as a Money Services Business, supervised by HM Revenue & Customs ("HMRC") under the Money Laundering Regulations 2017 (Registered number 12137189). Registered in England and Wales, company number 04675786. Registered office: 85 London Wall, London, EC2M 7AD. All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.