Business financing in Jefferson County.
County-by-county financing guides. No paperwork. No social. No ID.
16 institutions are headquartered inside the Jefferson County line, and 6 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Jefferson County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Alabama Central Credit UnionPersonal · Home · Business capital
- Alatrust Credit UnionPersonal · Home · Business capital
- America's First Credit UnionPersonal · Home · Business capital
- Camino Loan Fund LLCCommunity lending · Business capital
- Nrs Community Development Credit UnionCDFI-certifiedMinority depositoryPersonal · Business capital
- IN THIS LIST
8 of the 25 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- OPAL Community Capital LLCCommunity lending · Business capital
- Sabre Finance d/b/a VentureSouthCommunity lending · Business capital
- Bronze Valley CorpCommunity lending
Show the other 8Show fewer
- Ang Credit UnionPersonal · Home
- Birmingham City Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- Federal Employees Credit UnionMinority depositoryPersonal · Home
- Fireman's Credit UnionMinority depositoryPersonal
- Jefferson Credit UnionPersonal · Home
- Marvel City Credit UnionMinority depositoryPersonal · Home
- Sixth Avenue Baptist Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- U S Pipe Bessemer Employees Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Jefferson County line. You can walk in.
- Alabama Credit UnionPersonal · Home · Business capital
- Avadian Credit UnionPersonal · Home · Business capital
- Family Security Credit UnionPersonal · Home · Business capital
- Hope Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Legacy Community Credit UnionPersonal · Home · Business capital
- NO SOCIAL SECURITY NUMBER
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
- Platinum Credit UnionMinority depositoryPersonal · Home · Business capital
- Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital - Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
This guide is for solo contractors, small business owners, and real estate investors in Jefferson County, Alabama who want to understand their financing options without the confusion. We focus on the local lenders, CDFIs, credit unions, and programs that actually serve this community — including options for people who use an ITIN instead of a Social Security number. Federal programs like SBA loans are explained as helpful context, but the real focus is on the local intermediaries who can walk you through the process in person. Take your time, compare your options, and never feel pressured to sign anything you do not fully understand.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Camino Loan Fund LLC · Hope Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Alabama Credit Union · Alabama Central Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN JEFFERSON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN JEFFERSON COUNTY →59AL COUNTIES WITH DOORSThe whole stateEvery county in Alabama, in this same lane.57 institutions fund business financing inside Alabama county lines.OPEN THE STATE →
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