On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
- Registered for 5 years
- No FCA actions
- Active company since 2021
- 1 thing worth a closer look in the background checks
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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No website on the FCA register
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No phone number on the FCA register
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Address
3 Hardman Square, Spinningfields, Manchester, Greater Manchester, M3 3EB, United Kingdom
In the full report: 1 background check, 1 thing worth a closer look
- Whether M3 3EB is a shared office: 69 other firms give it
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 13322121 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 April 2021 (5 years old)
- Registered office
- 4th Floor One New Change, London, EC4M 9AF, England
- Nature of business
-
- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael Peter Newman | Director | Sep 1961 | 6 Oct 2021 | 1 other company |
| Nicholas Gerald Fahy | Director | Oct 1967 | 6 Oct 2021 | 1 other company |
| David James Golding | Director | Feb 1970 | 6 Oct 2021 | 1 other company |
| Edward James Winterton | Director | Jan 1975 | 6 Oct 2021 | 30 other companies |
| Jillian Margaret Jones | Director | Sep 1963 | 1 Jan 2022 | None |
| Richard Charles Hallett | Director | Feb 1966 | 9 Jul 2026 | None |
| Susannah Rose-Innes | Secretary | Not published | 19 Jun 2025 | – |
Other companies run by these 6 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 32
- closed down
- 8
- are FCA-registered
- 18
In the full report: all 32 companies, named
- What each company does, and whether it is still trading
- Which of these 6 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 18 on the FCA register
- The 1 company these 6 directors run together
- All 8 people who have ever been directors, with their dates
Key dates in its history
Cynergy Business Finance’s history from the FCA register and Companies House, newest first.
2021
16 September 2021
- Registered with the FCA
FCA register
8 April 2021
- Incorporated at Companies House
- Cynergy Bank PLC took control (75–100% of shares)
Companies House
In the full report: all 13 events
- All 13 events in its history (3 shown here)
- Every director appointment and resignation: 10
Firms connected to Cynergy Business Finance
Other FCA-listed firms that share a director, phone number or address with Cynergy Business Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- past links
- 11
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
- 11 past links through former directors
Get the full report on Cynergy Business Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 32 other companies its directors have run, named
- 1 background check on its contact details, 1 flagged
- All 13 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Cynergy Business Finance Limited FCA authorised?
Is Cynergy Business Finance a scam or clone?
Is my money safe with Cynergy Business Finance?
Who owns Cynergy Business Finance?
Who runs Cynergy Business Finance?
How long has Cynergy Business Finance been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk