Business Details
29 Years
experience
Trusted Business Loan Provider in Birmingham
Established in 1997, we are a Community Development Finance Institution (CDFI) dedicated to providing accessible business finance across the West Midlands and adjoining counties. Our mission focuses on enabling viable businesses and social enterprises to secure funding for growth, asset acquisition, or working capital when traditional lenders cannot meet their full needs. We operate as a mutual organisation owned by our members, combining philanthropic investments with public and private sector support to create sustainable lending solutions. Our approach prioritises personal engagement, rapid decision-making, and partnerships with banks and independent finance specialists. Over 37 million has been lent to 1,800+ businesses, safeguarding or creating over 8,500 jobs.We specialise in unsecured loans ranging from 10,000 to 250,000, with flexible terms and transparent processes. Accredited by the Financial Conduct Authority, we adhere to the SME Finance Charter and Standards of Lending Practice. Our team combines local market knowledge with national policy frameworks to deliver tailored financial support. We maintain strong relationships with regional growth funds and institutions like Unity Trust Bank. Our investors include major corporations and philanthropists committed to social impact. We provide signposting to alternative finance options when unable to lend directly. Our track record demonstrates consistent support for businesses navigating economic challenges, from Brexit to post-pandemic recovery.
Services
Business Loans
SME Financing
Loan Packages
Financial Advisory
Investment Opportunities
Job Creation Funding
Asset Purchase Loans
Working Capital Loans
Growth Financing
Community Investment
Details
- Year established: 1997
Highlights and features
- We have 25+ years of experience supporting West Midlands businesses
- Our team offers personalised loan assessments and rapid funding decisions
- We collaborate with banks and public sector partners for comprehensive solutions
- Our loans have created or protected over 8,500 local jobs
- We provide free signposting to alternative finance options
Associations and certifications
- Financial Conduct Authority
- SME Finance Charter
What people say
Supportive and understanding
Quick and efficient process
Helped business expansion
Personalised approach
Excellent support
Services
Business Loans
We provide unsecured business loans ranging from 10,000 to 250,000 to support growth initiatives across the West Midlands region. Our flexible lending solutions help businesses acquire assets, manage cash flow, or expand operations. With rapid decision-making processes and personal assessments, we prioritise viable business propositions that may struggle with traditional financing.
SME Financing
Our SME financing solutions address funding gaps left by mainstream lenders through tailored loan packages between 10,000 and 250,000. We specialise in supporting job creation and business sustainability with transparent terms. Our approach combines local market expertise with national policy frameworks to deliver accessible finance for small and medium enterprises.
Community Investment
We offer community investment opportunities that generate both social impact and financial returns through our Community Investment Tax Relief (CITR) scheme. Investors contribute to local economic growth while qualifying for tax benefits. Our investment model supports enterprise development across the West Midlands through share-based funding and strategic partnerships.
Financial Advisory
Our financial advisory service provides signposting to independent business finance specialists and alternative funding sources. We offer guidance on loan applications, repayment schedules, and funding strategies. Our team combines 25+ years of lending experience with local market knowledge to help businesses navigate financing challenges.
Growth Guarantee Scheme
We deliver government-backed Growth Guarantee Scheme loans from 25,001 to 250,000 to support post-pandemic business recovery. These loans combine public and private sector funding to enable sustainable growth. Our partnership with the British Business Bank expands access to finance for viable businesses across the West Midlands region.
People
Steve Walker
Chief Executive Officer
Leading ART Business Loans' strategic direction, Steve combines extensive financial sector experience with a commitment to community development. He oversees lending operations and investor relations.
Graham
Loan Manager
As a dedicated loan manager, Graham provides personalised support to businesses throughout the application process and maintains ongoing client relationships.
Martin
Loan Manager
Martin assesses loan applications with a focus on business viability and growth potential, offering expert guidance to applicants across the region.
Questions
What loan amounts do you offer?
We provide unsecured business loans ranging from £10,000 to £250,000 with flexible repayment terms.
Which areas do you serve?
We operate across the West Midlands and adjoining counties including Cheshire, Derbyshire, and Worcestershire.
How quickly can I get funding?
We aim to complete the application process within 14 working days once all required information is received.
What are your interest rates?
Our representative annual interest rate is 13.25% with a 5% arrangement fee for unsecured business loans.
Do you require security for loans?
Security may be required for some loan amounts, particularly at the higher end of our lending range.
How do I apply for a loan?
You can download an application form from our website or complete a fast-track enquiry for preliminary assessment.
Videos
Reviews (1)
Rimk Fleury
Sep 01, 2020
Report
GoodNews to everyone, am here to share a testimony on how i got my loan. Well i got my loan last week from a well known and faithful company and are willing to help any body. At first i never trusted the company and i said i should just follow them see how the grant out transactions i keep on following them step by step every thing became interesting and nice so i ask for a loan and they granted it and as soon as the transaction was done, the money was transferred tome within 24hr.Well my advise to every body in the forum is to contact her on this Email (michelletrustloan7@hotmail. com) Or you
