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What We Do

We lend to businesses and social enterprises when banks are unable to!

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

We lend up to £150,000, either as a single loan or as part of a ‘package’ alongside banks and other financiers. Finance packages are becoming increasingly common as the solution to a business’ financial needs. We are able to signpost you to independent Business Finance specialists for advice if required.

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 on making successful applications for business loans, or give us a call.

Many of our borrowers come back to us over the years for further loans and some take advantage of being able to repay loans early with no penalty.

For some loans ART is able to utilise the Governments Recovery Loan Scheme (RLS) – loans from £25,001- £150,000


“In spite of having a good financial record, we did not fit the criteria for the banks. ART is less restrictive in its lending assessments and very fair.” Keith Noronha, Reynolds Technology

“We’re grateful for the existence of CDFI’s such as ART. In today’s economic environment UK business more than ever need financiers with vision, who are prepared to take a calculated risk and support an entrepreneurial approach.” Jules Morgan, KPM Marine

Read more about our clients.

Do I Qualify for a Loan?

Yes, if the following applies to you:

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