At a glance
From its website, read 2 Nov 2026OPAL Community Capital LLC is a loan fund based in Birmingham, Alabama. Its website describes commercial real estate loans. Stated loan amounts run from $500,000. Where it lends: Mostly nationwide for historic tax credit transactions; some deals in eligible geographies.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.opportunityalabama.com |
|---|---|
| Office (official list) | 1914 3RD AVE N UNIT C-1, Birmingham, AL 35203 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 1914 3RD AVE N UNIT C-1, Birmingham, AL 35203 Directions (Google Maps) |
| Website | www.opportunityalabama.com |
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: medium. Only one lending product (bridge lending for historic tax credit deals) is described clearly, with a stated size threshold; the pages are mostly real estate and investor marketing. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Bridge Lending: Through our CDFI, OPAL provides bridge lending for state and federal HTC equity – and can, depending on the repayment source, bridge additional federal, state, and local credits or incentives as well. | source |
Loan sizes
We are geography and size agnostic (as long as potential bridge loan is over $500,000), though we prioritize bridge loans where we are also able to deploy another capital product in parallel.
source
Range used for the size filter: $500,000 to not stated
Service area
Mostly nationwide for historic tax credit transactions; some deals in eligible geographies
OPAL provides a unique suite of wraparound products for historic tax credit (HTC) transactions, most of which are available nationwide.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://opalcompanies.com/
- https://opalcompanies.com/investors/
- https://opalcompanies.com/real-estate/
- https://opalcompanies.com/resources/bulding-a-capital-stack/
- https://opalcompanies.com/resources/identifying-capital-sources/
- https://opalcompanies.com/resources/understanding-tax-credit-transactions/
- https://opalcompanies.com/stories/grant-funded-revolving-loan-fund/
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 is the largest loan you make?
Their website gives a minimum ($500,000) but no maximum. - What interest rate and fees should I expect on your commercial real estate 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. - Can I apply online, or do I need to call or visit?
We found no online application 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?
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$300,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
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.
Other certified CDFIs in Birmingham and Alabama
- Bronze Valley CorpVenture capital fund · Birmingham, ALOfficial list only
- CAMINO LOAN FUND LLCLoan fund · Birmingham, ALOfficial list only
- Sabre Finance d/b/a VentureSouthLoan fund · Birmingham, ALEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- SIXTH AVENUE BAPTIST FCUCredit union · Birmingham, ALAuto / vehicle loans, Home mortgagesVerified
Work at OPAL Community Capital 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.