Meet the Funders.

Midlands SME Finance is a collaborative group name only, representing the six funders coming together for this signposting occasion. It is not a legal entity or ongoing organisation.

Email: steve.walker@artbusinessloans.co.uk
Phone: 0121 359 2444
Linkedin: /in/artbusinessloans/

Launched in 1997, ART Business Loans is a lender, providing loans to businesses where mainstream lenders have been unable to fully meet their needs.  We are accredited by British Business Bank to lend using the Growth Guarantee Scheme.  The experienced team takes time to understand the businesses with a relationship led approach.  We lend for most purposes and sectors, to support jobs, growth and opportunity.

What we offer:

  • Loans between £10,000 – £250,000
  • Up to a 5 year term
  • No penalty to repay early
  • Areas we cover: West Midlands, Shropshire, Herefordshire, Worcestershire, Warwickshire, Staffordshire, Derbyshire, Northamptonshire, Leicestershire, Oxfordshire, Gloucestershire

ART Business Loans is a Community Development Finance Institution.  For more details visit www.artbusinessloans.co.uk

Email: stephen.deakin@bcrs.org.uk
Phone: 0345 313 8410
Linkedin: /in/stephen-deakin-54336120/

Funding amount:
Unsecured loans from £10,000 to £250,000

Location:
West Midlands and Wales

Sector:
Any sector excluding property investment/ development or anything unethically sound.

Transaction:
Support growth and working capital (including stock and small asset purchases), management buy-outs and by-ins, and refinance of higher cost debt.

About us:
BCRS Business Loans is a Community Development Finance Institution (CDFI) and we provide loans to businesses who are unable to access finance from traditional sources such as banks. We provide business loans from £10,000 to £250,000 to growing small and medium sized businesses based in the West Midlands and Wales. With a dedicated team of professionals, we make the process fast and simple with no early repayment penalty.

Email: sheridan.sulskis@cwrt.uk.com
Phone: 02476 551 777
Linkedin: /in/sheridansulskis/

At CWRT, we believe that finance should open doors, not close them. That’s why we’ve spent over two decades supporting ambitious start-ups, social enterprises, and small businesses that are often overlooked by mainstream lenders. Whether you’re just starting out or ready to scale, we offer more than funding—we offer a relationship built on trust, guidance, and real-world understanding.

We’re passionate about creating economic opportunity that’s fairer and more inclusive—particularly for women, ethnic minorities, and underserved communities. Every loan we provide is an investment in people, places, and potential. We’re here to make finance more human, more accessible, and more impactful—so you can get on with doing what you do best: building your business and making a difference.

Email: andygreen@frontierdevelopmentcapital.com
Phone: 0345 319 4528
Linkedin: /in/andy-green-51113377/

Backing Midlands businesses with flexible finance
FDC is a specialist lender focused on helping ambitious SMEs access the right type of funding to grow. We manage the MEIF II – West Midlands Debt Fund, providing loans from £100k upwards to support growth, working capital and more.

The fund is headed up by Andy Green, who brings extensive experience in regional lending and a track record of supporting Midlands businesses across sectors. Andy and his team work closely with SMEs to structure finance that is practical, flexible and aligned with long-term growth goals.

With the strength of FDC’s wider lending platforms behind it, the MEIF II fund ensures Midlands businesses can secure the finance they need to take their next step.

Email: kibbotson@flexabl.co.uk
Phone: 07917 485508
Linkedin: /in/kirsty-ibbotson-7182a990/

Funding Type – Invoice Finance
Funding Amount – Up to £500,000

FlexABL unlocks cash from unpaid invoices, with funding linked directly to real-time sales performance. We take time to understand every client, because great funding starts with great relationships.

Our facilities complement term loans, delivering a vital working capital boost for businesses that sell on a B2B basis and offer trade terms. When late payments put you under pressure, FlexABL is here to ease the strain.

Email: steveg@ukse.co.uk
Phone: 07966 680532 
Linkedin: /in/stephengrice/

Funding amount:
Up to £1.5M for equity
Up to £200,000 for debt only

Location:
Black Country, Birmingham, Staffordshire, Telford, Coventry, Burton

Sector:
Any sector apart from bricks and mortar retail and housebuilding

Transaction:
Growth, MBO, MBI, Buy & Build

UKSE are focussed on helping local businesses grow and create jobs, as well as expanding the local economy and assisting with the implementation of Green technologies. Our strategic emphasis is on patient capital investments, with maximum flexibility and a partnership attitude. We typically do not take any form of security as we like to put our faith in the management team.

ART Business Loans

ART is a Community Development Finance Institution (CDFI) which provides business loans in the West Midlands.

BCRS

Loans from £10,000 to £250,000 to support businesses in the West Midlands.

CWRT

Business loans up to £150,000 to help SMEs start, grow and thrive.

FDC

Business loans from £100,000 through British Business Banks’ Midlands Engine Investment Fund II – MEIF II.

FlexABL

Invoice Finance lender releasing the cash locked up in unpaid invoices.

UKSE

Flexible funding to help businesses in traditional steel areas succeed.

Midlands SME Finance is a collaborative group name only, representing the six funders coming together for this signposting occasion. It is not a legal entity or ongoing organisation.

ART SHARE (Social Help Association for Reinvesting in Enterprise) Limited – a Community Benefit Society, registered number 28537R and is authorised and regulated by the Financial Conduct Authority and is entered in the register under registration number 723068. BCRS Business Loans Limited is a registered society, number 29393R, under the Co-operative and Community Benefits Societies Act 2014, authorised and regulated by the Financial Conduct Authority, Firm Reference Number 722855. Coventry and Warwickshire Reinvestment Trust Ltd is authorised and regulated by the Financial Conduct Authority and is entered in the register under registration number 743876. Coventry and Warwickshire Reinvestment Trust Ltd – company house number is 05188971. Frontier Development Capital Limited is authorised and regulated by the Financial Conduct Authority and is entered in the register under registration number 829697. Frontier Development Capital Limited – registered in England, company number 09967393. Flex ABL Limited – registered in England and Wales, company number 5360385. UK Steel Enterprise Limited is authorised and regulated by the Financial Conduct Authority and is entered in the register under registration number 726482.

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