ART focuses its lending to create and preserve jobs, in particular to those who have been traditionally deprived of opportunities, for example, enterprises geographically located in areas of disadvantage or led by Black, Asian and Minority Ethnic (BAME) people, women or disabled individuals. At least 75% of the businesses that ART lends to fall into these categories.
Unlike the wider alternative finance sector, which has grown significantly in terms of the number of new providers over the last 10 years, ART offers an additional source of finance to the banks. All ART loans are provided after a bank lending decision decline. ART specifically targets underserved areas and communities. That is why investments in ART may qualify for Community Investment Tax Relief, which seeks to prioritise access to finance for underserved communities in terms of geography, gender, age, ethnicity or disability.