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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

M & BG staff
M & BG

"Without ART we wouldn't be in such a strong position. As a result of the acquisition their loan al...

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Michelle Henry, HNS Signs
HNS Signs

“ART was really easy to deal with, which was unexpected when it seems to be so hard to even get an...

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Chef cooking at Shahi Masala
Shahi Masala

Shahi Masala was set up by Mr & Mrs Malik, a couple whose love of good food and dining out with frie...

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ART Business Loans client Mark Walker at Oaks Consultancy
Oaks Consultancy

“Martin from ART was a realist.  He was grounded and intelligent.  He understood the business an...

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