About CWRT

Since 2010, CWRT has loaned over £37.4 million to local businesses, helping entrepreneurs and SMEs who've been overlooked by traditional lenders to start up, grow and thrive.

What We Do

We fill the gaps left by mainstream lending, offering affordable and accessible finance to businesses that deserve a chance to succeed.

We support:

Pre-start businesses and entrepreneurs with great ideas
Small and medium-sized enterprises (SMEs) looking to grow
Businesses that have been turned down by high street banks
Social enterprises and community-focused organisations
Businesses in underserved communities across our region

Our current funding partners include:

British Business Bank
Coventry City Council
Warwickshire County Council

This enables us to provide flexible, affordable alternatives to high-interest lenders and support businesses through volatile markets and tightening credit conditions.

How We're Different

Not for profit: We reinvest our returns back into supporting more local businesses.

Personal approach: We take the time to understand your business, your background, and your ambitions – not just your credit score.

Community-focused: We're committed to creating jobs and opportunity in areas overlooked by mainstream lenders.

FCA accredited: You can trust that we operate to the highest standards of financial regulation.

Experienced: With years of supporting local businesses, we understand the challenges you face and how to overcome them.

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Our Mission:

To empower individuals, businesses, and communities across our region by providing access to sustainable financial solutions, tailored support, and resources.

Guided by unwavering integrity, we deliver innovative financial programmes through collaborative partnerships and personalised guidance that prioritise your unique needs.

Our Values: PIECE

Our values guide everything we do at CWRT, summed up in one word: PIECE.

PIECE

Personal:

We build genuine relationships with every customer, providing tailored solutions that fit your unique needs. You're not just a number – you deserve individualised attention, care, and respect. We're accessible, responsive, and committed to ensuring you always feel valued and heard.

Integrity:

We conduct ourselves to the highest ethical standards, acting honestly and transparently in all our dealings. We're committed to building trust and maintaining the confidence of those who depend on us and partner with us.

Ethical:

We act fairly, honestly, and responsibly in all financial transactions. From how we assess applications to how we structure loans, we hold ourselves to high standards of integrity and transparency in every aspect of our work.

Community:

We recognise that strong, vibrant communities are essential to everyone's success. We're all interconnected, and the health and prosperity of our communities matters. We actively seek collaboration and partnership, valuing diverse perspectives and contributions to create positive change.

Empowerment:

Everyone should have access to the financial services they need to achieve their goals. We believe financial literacy is essential to empowerment, which is why we provide education, training, and support. We work to remove barriers to financial services for underserved communities and create a culture of inclusion and accessibility.