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ART is a Community Development Finance Institution (CDFI) which provides business loans in the West Midlands.

As a Community Development Finance Institution (CDFI) ART’s remit is to ensure that viable businesses and social enterprises in the West Midlands can access the finance they need.

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 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.

A Quick Introduction to ART Business Loans

Case Studies

Sue, Dave and James Perry with Warren Delo at StayDry
StayDry

“Our seasonal pattern obviously makes banks uncomfortable with extending credit, so thank goodness...

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Brian Donnelly, Synapse
Synapse

“ART was a life-saver. It was like talking to a bank manager, as you could 20 years ago.”

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Raja Khan
Booom TV

“I was at rock bottom when ART felt it was worth lending me the money to start Booom TV - with the...

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Bibs Berry at Bibsy Bananas
Bibsy Bananas

“ART has been out to see us a few times since we’ve had the loan and taken a real interest in ho...

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