CWRT provides Business Loans to existing businesses primarily operating in Coventry and Warwickshire. We will consider businesses that are based outside of Coventry and Warwickshire.

Eligibility Criteria: 

Businesses that have been unable to raise sufficient, if any funding from their bank.This includes partial rejection when the applicant needs additional funds alongside those provided by other lenders.

Minimum Loan: £1,000

Maximum Loan: £75,000

Interest Rate: Up to 18.75% per annum. The rate is based on the level of risk involved and security available.

Arrangement Fee: From 5% of the loan amount, this can be added to the loan.

Minimum Term: 6 months.

Maximum Term: 5 years (typically 2 or 3 years is preferred).

Loan Conditions: As part of our assessment we are required to conduct full credit searches on all Sole traders, Partners and Directors of the business. CWRT uses CreditSafe when carrying out our credit searches. Other agencies offer free credit checks (see list below) but results may vary because of the different criteria used by each agency.You can obtain your credit report from the following:

Other loan conditions may include:

  • Personal/Third Party Guarantees
  • Debentures
  • Charge on equipment
  • Charge on property 

Repayment Schedule: 

Flexible including:

  • Capital/interest repaid monthly (usual terms).
  • Interest only repaid monthly, “bullet” capital repayment at contract end.
  • Payment holidays/deferred repayments.
  • No penalties for early repayment.

Charges for Early Repayment: None.


You can get in touch or find more information and frequently asked questions on our FAQ page. You can also see what our previous clients thought on our Case Studies page.

Partner Initiatives

We also provide small business loans in association with Warwickshire County Council. To find our more about these and to apply, click here.

Representative example for an unsecured business loan of up to £25,000.

Annual Interest Rate (variable) of 13.25% p.a, arrangement fee (5% of the value of the loan drawn down),with a representative 16.6% APR based on borrowing £20,000 and repaying over 60 months with 60 monthly repayments of £480.55 with a total amount repayable of £28,833.00

All loans are subject to an arrangement fee from 5% of the amount borrowed. Security and monitoring fees may also be payable.

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