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Thank you for your interest in applying for a business loan from North Alabama Revolving Loan Fund, LLC (the Loan Fund), a subsidiary of Neighborhood Concepts, Inc.

The Loan Fund provides loans ranging from $5,000 to $250,000 to small businesses and non-profit organizations in north Alabama. Eligible uses include: machinery & equipment; working capital; leasehold improvements; real estate acquisitions or rehab; business acquisitions, and the refinance of higher-interest business debt.

About this application
  • This application must be filled out either by an owner or authorized agent of the business applying for a loan.
    • If the application is filled out by an authorized agent, then a secondary application will be sent via email to the owner(s) of the business so that personal financial and tax documents can be provided.
  • You will be able to log out and log back in later to finish your application. 
  • Application Fee of $150.00 includes credit report fee for 1 owner.  Please add $25.00 for each additional applicant
  • Origination fee equal to 2% of loan amount, but not less than $100.00, payable at closing
  • Closing Costs include a minimum $350.00 legal fee
  • Origination fee & closing costs may be financed into the loan
  • NOTE: Applications will not be considered until the application fee is paid

Finally, we do not currently lend to the following types of businesses: speculative real estate, payday lenders, businesses engaged in gambling activities, adult entertainment, or others that may not be listed here.


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