Finance that rewards
your sustainability.
ESG-linked working capital, invoice discounting, purchase order finance, supply chain finance, and DFI capital - all connected directly to your verified sustainability score on the SYNE One platform. The greener your supply chain, the lower your cost of capital.
Every working capital tool. All ESG-linked.
SYNE One Green Finance is not a standalone lending product - it is a suite of finance instruments embedded directly into your platform workflow. Because SYNE already holds your verified transaction data, ESG score, and supplier network, applications are faster, diligence is lighter, and rates are lower than anything you can access through a traditional bank or broker.
Invoice Discounting
Release cash against verified invoices within 48 hours - without waiting 60–90 days on enterprise payment terms. SYNE's verified transaction history replaces traditional credit diligence, making access faster and underwriting more accurate. Revolving facility, no per-invoice fee structure.
Purchase Order Finance
Fund confirmed purchase orders end-to-end - enabling you to accept and fulfil large enterprise orders without tying up working capital in production cycles. Facilities sized from $50K to $5M+ per order, with disbursement typically within 48 hours of PO verification by our partner lending network.
Supply Chain Finance
Extend your payment terms to buyers while giving suppliers early payment at attractive rates - funded through SYNE's bank partner network. Buyers improve working capital; suppliers get cash faster; the supply chain becomes more resilient without anyone paying a higher headline cost.
Letters of Credit
Mitigate counterparty risk on cross-border transactions with SYNE-integrated documentary letters of credit - issued by our banking partners against your verified SYNE credit profile. No separate bank application, no relationship requirement. Issued typically within 1–2 business days for established accounts.
DFI & Impact Capital
Development Finance Institutions - including IFC, DEG, FMO, and Proparco - offer preferential working capital and trade finance to businesses that hit verified sustainability milestones tracked on SYNE. No separate application process: qualifying businesses are automatically matched to available DFI facilities as their SYNE ESG score improves.
ESG-Linked Revolving Credit
A revolving credit facility with interest rates directly tied to your verified SYNE ESG score, reviewed quarterly. Every sustainability improvement your business makes - new certification, reduced Scope 3 intensity, higher supplier ESG average - translates into a measurable reduction in your borrowing cost at the next review.
From SYNE account to funded in 48 hours.
SYNE One Green Finance replaces the traditional bank credit application process with a data-driven, platform-native workflow. Because SYNE already holds your verified transaction history, ESG score, and supplier network, onboarding is lightweight and disbursement is fast.
Verify Your Business
Complete SYNE's onboarding once - KYC, AML, and business verification. Your verified transaction history and ESG score become your credit file. No separate bank application forms.
Your ESG Score Sets Your Rate
SYNE's underwriting engine reads your independently verified ESG score, transaction volume, and payment history to calculate your credit limit and personalised rate - reviewed quarterly as your score improves.
Draw Against Transactions
Submit a verified invoice, confirmed PO, or approved supply chain event. Finance is approved against the underlying SYNE transaction record - no paper trail, no manual submission, no waiting room.
Funds Released in 48 Hours
Capital deployed to your nominated bank account within 48 hours of approval for established accounts. Repayment aligned to the underlying buyer payment date - so cash flow impact is zero until the customer pays.
The greener you get, the less you pay.
SYNE One is the only platform where your sustainability performance has a direct, measurable impact on your cost of borrowing - not as a marketing statement, but as a contractual rate-ratchet mechanism reviewed quarterly against your independently verified ESG score.
Verified score, not self-reported
Your ESG score is independently audited - certifications cross-referenced against issuing body registries, facilities inspected, and transaction performance monitored continuously. Banks price against real data, not a questionnaire.
Rate ratchet - quarterly improvement
Every quarter, your SYNE ESG score is reviewed. New certifications, reduced Scope 3 intensity, improved supplier performance, or reduced energy consumption all translate into basis point improvements at the next rate review - automatically, without renegotiation.
Transparent scoring criteria
SYNE publishes the exact ESG criteria that drive rate tiers - energy mix, Scope 1/2/3 intensity, supplier average ESG score, certification portfolio, and labour standards. You can see exactly which improvements to make to reach the next tier before you invest.
Real savings at scale
For a business with a $2M revolving credit facility, moving from a B to A+ ESG score reduces annual interest cost by approximately $46,000 at current rate tiers. Sustainability investment becomes measurably self-financing.
| ESG Score | Certifications | Rate (p.a.) | vs. Market |
|---|---|---|---|
| 🌿 A+ | 3+ major certs · ISO 14001 | 1.8% – 2.1% | −2.0–2.3% |
| ✅ A | 2 major certs · Audit pass | 2.2% – 2.8% | −1.3–1.9% |
| 🔵 B+ | 1 major cert · Disclosure filed | 3.0% – 3.5% | −0.6–1.1% |
| 🟡 B | SYNE audit complete | 3.6% – 4.0% | −0.1–0.5% |
| ⬜ Standard | Unverified / no ESG score | 4.1%+ | Market rate |
Designed for businesses that traditional banks overlook.
SYNE One Green Finance is specifically designed to serve businesses - particularly SMEs in emerging markets - that are excluded from traditional trade finance because they lack the balance sheet history, existing banking relationship, or collateral a conventional lender requires. Your SYNE transaction history and verified ESG score replace all of that.
SYNE One account - 90 days of history
The minimum requirement is 90 days of verified transaction history on the SYNE platform - invoices, POs, and supplier payments. No annual accounts, no audited financials, no balance sheet required at the entry tier.
SYNE ESG score - minimum B
A minimum ESG score of B (achieved after completing SYNE's independent onboarding audit) is required for access to most finance products. DFI facilities have additional sustainability requirements but offer the most favourable rates.
Available in 65+ countries
Invoice discounting and PO finance are available in 65+ countries. Letters of credit are available in all countries covered by our banking partner network. DFI facilities are specifically prioritised for businesses in emerging markets and developing economies.
No collateral required for core products
Invoice discounting and PO finance are backed by the underlying transaction - not by property, equipment, or guarantees. Your verified SYNE invoice or PO is the security. Larger revolving facilities may require standard business KYC and AML confirmation, but no physical collateral.
Backed by a network of 15+ banks and DFIs.
SYNE One Green Finance is not a single lender - it is a structured access layer connecting verified businesses to a curated network of commercial banks, development finance institutions, and impact lenders. Capital is deployed from multiple sources, with facilities matched to the most appropriate lender based on business type, geography, and ESG score tier.
Commercial Banking Partners
Tier 1 and regional commercial banks provide the core invoice discounting and revolving credit facilities - with SYNE's verified ESG data enabling banks to price green facilities with confidence, without running their own sustainability diligence.
Development Finance Institutions
IFC, DEG, FMO, and Proparco provide concessional working capital and trade finance to SYNE-verified businesses in emerging markets - with interest rates typically 100–200bps below commercial equivalents for qualifying ESG score tiers.
Impact & Blended Finance
Specialist impact lenders and blended finance vehicles - including first-loss facilities from philanthropic capital - provide access to finance for the highest-impact businesses in the SYNE network, including SMEs in frontier markets that standard DFI criteria would normally exclude.
Businesses that turned ESG into working capital.
"Our invoice discounting went from a 72-day wait to 48-hour release. Our A+ SYNE ESG score means we pay 1.8% annually - our previous overdraft was 4.3%. The saving funds our ISO 14001 renewal every year with money left over. Sustainability has become genuinely self-financing."
"We received an IFC DFI facility matched to us through SYNE - something we had no idea was even accessible to a 45-person manufacturer in Kenya. The rate was 1.4%. That capital funded three new production lines. The SYNE ESG score was the qualification that opened the door."
"We enrolled our top 12 suppliers in SYNE Supply Chain Finance. They now receive payment within 3 days of invoice - we extended our terms to 90 days. Our working capital improved by $1.2M. Supplier relationship quality went up measurably. The ESG rate discount made it cost-neutral for us."
Common questions about SYNE Green Finance.
Turn your ESG score into
working capital today.
Join 12,000+ businesses on SYNE One. Check your eligibility in under 5 minutes - no credit check, no bank visit, no broker. If you already have a SYNE account with 90+ days of history, your application starts automatically from your verified transaction data.