At a glance
From its website, read 2 Nov 2026North Alabama Revolving Loan Fund, LLC is a loan fund based in Huntsville, Alabama. Its website describes equipment loans and small-business loans. Stated loan amounts run from $10,000 to $350,000. Where it lends: Business must be in 12 Alabama counties, including Blount, Colbert, Cullman, Madison and Morgan. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (256) 534-0075 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.neighborhoodconcepts.org |
| Office (official list) | 2808 6th Street SW, Huntsville, AL 35805 |
What their website says about applying
Applications are accepted through our secure online application portal which includes detailed instructions.
sourceThe online application includes links to Excel spreadsheets that will need to be downloaded, completed and uploaded to the application portal.
sourceThe last two years of personal Federal tax returns
sourceThe past two years of personal and business Federal tax returns
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
We do look at the credit histories of any person owning 20% or more of the business, but don’t have a minimum credit score for approval.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Sep 2015 |
| RSSD ID | — (none listed) |
| Address | 2808 6th Street SW, Huntsville, AL 35805 Directions (Google Maps) |
| Website | www.neighborhoodconcepts.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The fetched pages describe Neighborhood Concepts, Inc., which does not match the lender id name. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Equipment loans | — | A growing business needs the right equipment. Scale up with a term loan or line of credit. | source |
| Small-business loans | $10,000 – $350,000 | Loan Size: $10,000 - $350,000 | source |
Loan sizes
Range used for the size filter: $10,000 to $350,000
Service area
Business must be in 12 Alabama counties, including Blount, Colbert, Cullman, Madison and Morgan.
Yes, the business must have a physical address in Blount, Colbert, Cullman, DeKalb, Franklin, Jackson, Lauderdale, Lawrence, Limestone, Madison, Marshall or Morgan counties to be eligible for financing.
source
Counties this matches: Blount County, AL, Colbert County, AL, Cullman County, AL, Madison County, AL, Morgan County, AL
Borrower focus
- Startups
Yes, we understand that start up businesses typically have trouble accessing capital and can offer a loan to help you get your business started.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Applications are accepted through our secure online application portal which includes detailed instructions.
source
Pages read (7)
- https://neighborhoodconcepts.org/
- https://neighborhoodconcepts.org/small-business-loans/
- https://neighborhoodconcepts.org/lending/
- https://neighborhoodconcepts.org/application/
- https://neighborhoodconcepts.org/get-loan-ready/
- https://neighborhoodconcepts.org/equitable-housing/
- https://neighborhoodconcepts.org/faq/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What interest rate and fees should I expect on your equipment loans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.4 million in 5 awards from the U.S. Treasury's CDFI Fund, 2015–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Financial Assistance | $225,000 |
| 2021 | CDFI Rapid Response Program | $588,000 |
| 2019 | CDFI Program, Financial Assistance | $275,000 |
| 2017 | CDFI Program, Financial Assistance | $250,000 |
| 2015 | CDFI Program, Technical Assistance | $106,150 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $350,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 53% of these 184. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 53% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology.
Other certified CDFIs in Huntsville and Alabama
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Commercial Bancshares of Ozark, Inc.Bank holding company · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commercial Bank of Ozark, TheBank or thrift · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commonwealth National BankBank or thrift · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
Work at North Alabama Revolving Loan Fund, LLC? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.