Loan Fund

Finding financing for your small business shouldn’t be difficult. At the North Alabama Revolving Loan Fund (NARLF), we offer loans for small businesses, both those just getting started and those who are ready to grow. For more information on the North Alabama Revolving Loan Fund, call (256)534-0075.

UG White 4
Retail Opportunities, U. G. White Mercantile
Huntsville, Alabama
Inventory Financing


$5,000 - $ 150,000


    Working Capital
  • Leasehold Improvements
  • Inventory
  • Equipment Purchase
  • Refinance
  • Land Acquisition
  • Building Acquisition & Rehab
  • Other Permissible Uses


Competitive interest rates & flexible terms tailored to your individual needs

Recognizing that no two businesses are alike, our staff will take the time to
carefully review the application as a whole and consider the following:

Relevant Experience

  • Do you have experience in the industry related to your business?
  • What management experience do you have?

Owner Investment

How much have you invested in your business?

Credit History

  • Does the business have a history of paying its vendors & suppliers on time?
  • Does the owner have a history of paying personal debts on time?

Cash Flow

Can the business cover its expenses and the loan payment?


Are there assets that can be used to secure the loan?

We understand that owning your own business can be tough work, that’s why we offer business development counseling to make sure you have the resources to be successful. Whether it’s a scholarship for training, an introduction to a business leader or assistance in setting up a bookkeeping system, North Alabama Revolving Loan Fund is committed to working with our clients to make sure they have the tools for success.

The North Alabama Revolving Loan Fund is a subsidiary of Neighborhood Concepts, Inc., a Huntsville-based non-profit focused on affordable housing and community development. Recognizing that strong neighborhoods need economic opportunities in order to thrive, NCI formed NARLF in 2012 to provide access to capital to small businesses that create or retain jobs in north Alabama communities. Initial funding for the loan fund was made possible with generous grants from the Food Bank of North Alabama and from the City of Huntsville.

Loans are available to businesses located in Colbert, Cullman, DeKalb, Franklin, Jackson, Lauderdale, Lawrence, Limestone, Madison, Marshall and Morgan counties. Preference is given to businesses in underserved communities within these counties.


In 2015, NARLF received U. S. Treasury certification as a Community Development Financial Institution, opening up additional opportunities to positively impact the north Alabama economy.