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The Coventry and Warwickshire Reinvestment Trust (CWRT) is a not-for-profit, FCA accredited, specialist finance and business support provider committed to supporting businesses and individuals primarily based in Coventry and Warwickshire.

We are trusted experts and an ethical lender that offers a personal touch through our dedicated loan and business support packages that are specifically designed to support pre-starts and SMEs to start up, become sustainable and to grow.

Since 2010, after receiving capital to on-lend from various organisations including the European Regional Development Fund, Coventry City Council, Warwickshire County Council, and Unity Trust Bank, CWRT has loaned £23million to individuals, start-ups and existing businesses in Coventry and Warwickshire and surrounding areas that have had difficulty in raising finance elsewhere.

CWRT’s services are designed to fill the gaps in mainstream lending, address market failures and to offer affordable alternatives to high interest doorstep lenders.

CWRT is committed to supporting entrepreneurship and jobs in communities under-served by mainstream providers. We do this by channelling investment into traditionally overlooked businesses, helping them to rebuild, adapt, diversify, and add new employment in the months to come.

CWRT, as a Community Development Finance Institution, is devoted to tackling local disparity in the market by offering dedicated loan and business support packages specifically designed to support these SMEs through volatile markets and tightening credit conditions. 


Our mission is 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 are committed to delivering financial services through innovative programmes, collaborative partnerships and personalised guidance that prioritise the unique needs of our clients.


At CWRT, we understand that every business decision matters. That's why we combine our expertise with a personalised approach, offering you PIECE of mind and confidence in your financial and business journey. Let us be your trusted partner, empowering you to make informed choices and secure a prosperous future.

Our vision is to deliver financial solutions that fulfil today’s needs and tomorrow’s dreams. We strive to create long-term value for our customers, employees, and the local community.


Through strategic partnerships, innovative financial solutions, and community-driven initiatives, we aim to foster a culture of financial inclusion and economic empowerment.


For people, by people, with people.


CWRT emphasises the importance of building personal relationships with our customers and provides tailored solutions to their unique needs and preferences.

We believe that every customer deserves individualised attention, care, and respect. Based on this, we are committed to being accessible and available to our customers. We are responsive to their enquiries, concerns, and feedback, and work to ensure that they always feel valued and heard.


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


We are committed to acting in a fair, honest, and responsible manner in all financial transactions and interactions with customers, stakeholders, and the wider community. We hold high standards of integrity and transparency in all aspects of a financial organisation's operations.


We recognise the importance of strong and vibrant communities and the belief that individuals and organisations have a responsibility to contribute to their development and well-being. This value emphasises the idea that we are all interconnected and that the health and prosperity of our communities is essential to our own success and fulfilment.

We believe that working together with community members, organisations, and stakeholders is essential to creating positive change and achieving shared goals. We actively seek out opportunities for collaboration and partnership, and value diverse perspectives and contributions.

CWRT is committed to contribute to the social, economic, and environmental health of our communities. We take this responsibility seriously and strive to make positive impacts through our actions and decisions.


We believe that everyone should have access to the financial services and products they need to achieve their goals.

We believe that financial literacy to make informed financial decisions is essential to achieving financial empowerment and strive to provide education and training opportunities that promote this value.

We strive to create a culture of inclusion and accessibility, and work to remove barriers to financial services for underserved communities


The FairLife Charity is raising standards in finance with a fair trading mark and improving financial education. The charity awards its trademark logo - The FairLife Mark - to companies that price honestly and trade fairly with their customers. This will ultimately help you to choose what you need with confidence, by making products better and easier to understand. Revenue raised by the charity funds financial education in schools, giving our children the knowledge they need to make good financial decisions throughout their lives.

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Chairman - Sean Byrne

Amrik Bhabra

Craig Humphrey

Sean Farnell

Charon Balrey

Louise Heeley

Tracy Sawrey


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Unless otherwise stated, we are the owner or licensee of all intellectual property rights in all material on the website. Reproduction of any form of content, information, imagery or data from our website is prohibited without our prior written consent. The website exists to give you information about our products and services. We will endeavour to keep the information on our website up to date. You should not rely solely on the information on this website – if in doubt about our services, please call us on 024 76551 777, we will be more than happy to talk you through the available options.

We are authorised and regulated by the Financial Conduct Authority (FCA), our Reference Number is 743876. Our company house number is 05188971.

© Copyright CWRT 2024

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