ART is a Community Development Finance Institution (CDFI) which provides business loans of between £10,000 and £150,000 to businesses and social enterprises in the West Midlands that are unable to receive their full funding requirements from their bank.

Our loans can be used for any business purpose, including asset purchase or working capital.

We lend alone, or alongside banks or other financiers, and we are able to signpost you to independent Business Finance specialists for advice if required.

We take a personal approach to assessing applications and can make money available quickly if necessary.

Our application process is straightforward. What you will need is a viable business plan and a realistic schedule for repaying the loan. See our Business Tips & Resources page for further guidance, or give us a call.

We are an independent, mutual organisation owned by our members, both borrowers and investors. Our investors are philanthropic companies and individuals whose core funding enables us to attract public and private sector support.

If funding is required above £150,000 this may be available from Finance Birmingham, please click here

Since creation in 1997, we have lent over £15.5m+ to more than 700 borrowers enabling them to create or protect in excess of 6000 jobs.

ART has received Regional Growth Funding through the Community Development Finance Association

For more details of the Regional Growth Fund, please click here

As a member of the Community Development Finance Association ART complies with its Code of Conduct, please click here for details