Since 2004, CWRT has provided over £45 million in loans to local businesses. Our focus is on helping entrepreneurs and SMEs that may have been overlooked by traditional lenders to launch, develop and grow.
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Financial capability sits at the heart of everything we do. We believe that access to finance alone is not enough. By combining responsible lending with trusted relationships, financial education and post-loan support, we help people make better financial decisions throughout their journey. Our ambition is to create financially resilient individuals, sustainable businesses and thriving communities.
We’re not for profit. Every penny we earn is reinvested back into supporting more local businesses. We take the time to understand your business, your background, and your ambitions, not just your credit score.
Positive environmental action
At CWRT, we are proud to support Ecologi and its mission to help businesses take meaningful action on climate change. We support high impact climate projects and contribute to tree planting around the world. As a responsible, community focused organisation, we recognise that sustainable business growth must also consider its impact on the environment.
We believe every business, regardless of size, should have access to the tools, information and guidance needed to begin its climate action journey. Supporting Ecologi reflects our commitment to helping create more resilient businesses, stronger communities and a more sustainable future.
What We Stand For — Not for profit, returns are reinvested into helping additional local businesses. A personal approach, a community focus, FCA accredited and experienced with local businesses.
We put communities first, investing in local businesses that create jobs, strengthen neighbourhoods and drive economic growth.
We believe the best outcomes come through partnership, collaborating with businesses, introducers and local organisations to make a bigger impact.
We provide fair, flexible finance, taking the time to understand every business and making decisions with people, not just numbers.
We build lasting relationships through honesty, transparency and ongoing support, long after a loan has been approved.
The people behind CWRT — passionate finance professionals dedicated to helping Midlands businesses grow.
Our funding programmes are underpinned by partnerships with leading UK institutions.
Providing additional funding to increase lending to smaller businesses excluded from mainstream finance.
Supporting local business growth and economic development across the city of Coventry.
Investing in Warwickshire’s economic recovery and future growth through the Local Communities & Enterprise Fund.
At CWRT, our commitment goes beyond providing finance.
As a not for profit lender, we are committed to operating responsibly, supporting our communities and helping to create a fairer and more inclusive economy.
The pledges, charters and initiatives we support demonstrate our commitment to equality, diversity and inclusion, responsible lending, fair employment practices and positive social impact.
CWRT is proud to be a signatory to the Investing in Women Code.
The Code is a commitment to supporting the advancement of female entrepreneurship in the UK by improving female entrepreneurs’ access to finance, resources and support from the financial services sector.
As an inclusive lender, we are committed to helping address barriers to finance and supporting more women to start, develop and grow successful businesses.
CWRT is proud to have signed the Armed Forces Covenant, demonstrating our commitment to supporting the Armed Forces community.
By signing the Covenant, we recognise the value that serving personnel, reservists, veterans and military families contribute to our communities and workplaces.
We are committed to ensuring that members of the Armed Forces community are treated fairly and are not disadvantaged because of their service.
Through this pledge, we aim to create an inclusive and supportive environment and recognise the valuable skills, experience and perspectives that members of the Armed Forces community can bring.
At CWRT, we are committed to fostering a more inclusive and equitable environment.
We embrace diversity, work with marginalised and underserved communities and seek to embed equity into the way we operate.
Through transparency, continued action and collaboration, we aim to remove barriers, amplify underrepresented voices and ensure that our organisation and services reflect the communities we support.
CWRT is a proud signatory to Business in the Community’s Race at Work Charter.
The Charter provides organisations with a framework for taking practical steps to tackle the barriers that ethnic minority people can face in the workplace.
Our commitment includes working towards fair and inclusive recruitment, progression and representation, helping ensure that our organisation reflects the communities and customers we serve.
CWRT has signed up to Business in the Community’s Opening Doors campaign.
Opening Doors supports employers in making recruitment more inclusive and ensuring employment opportunities are accessible to everyone.
We use the campaign’s framework to help review and strengthen our approach to inclusive recruitment and identify areas where we can continue to improve.
CWRT is committed to combating modern slavery and human trafficking and supports the principles of the Modern Slavery Act 2015.
We take a zero tolerance approach to modern slavery within our operations and are committed to responsible procurement, appropriate due diligence and ethical working practices.
Our approach includes reviewing potential risks, maintaining appropriate policies and supporting ongoing staff awareness.
CWRT is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA Reference Number is 743876.
Our regulatory status supports our commitment to operating responsibly and maintaining appropriate standards in the financial services we provide.
These commitments are more than badges or statements.
They reflect how we want to operate as an organisation: fairly, responsibly and inclusively.
Whether we’re supporting an entrepreneur who has struggled to access mainstream finance, working with our partners, recruiting new colleagues or supporting our wider community, we want our values to be reflected in what we do.
We believe every business deserves a fair chance.
Whether you’re starting up, scaling up, or need support to keep going, we’re here for you. Check your eligibility in 2 minutes, or speak directly with your team member.
