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, Birmingham included, 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.
- 22
- DOORS HERE
- 16
- BASED HERE
- 59
- AL COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 675Kresidents of Jefferson County
- Covers
- Birmingham
- Elsewhere in AL
- Mobile County →20 doors — the biggest list of any other county in Alabama
- State
- Alabama →59 of 67 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Bronze Valley Corp · Camino Loan Fund LLCOwned 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 Union- Alabama Central Credit UnionPersonal · Home · Business capital
- Alatrust Credit UnionPersonal · Home · Business capital
- America's First Credit UnionPersonal · Home · Business capital
- Bronze Valley CorpBusiness capital
- Camino Loan Fund LLCCommunity lending · Business capital
- IN THIS LIST
6 of the 22 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Nrs Community Development Credit UnionMinority depositoryPersonal · Business capital
- OPAL Community Capital LLCCommunity lending · Business capital
- Sabre Finance d/b/a VentureSouthCommunity lending · Business capital
Show the other 8Show fewer
- Ang Credit UnionPersonal · Home
- Birmingham City Credit UnionMinority 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 AGENDA
Nobody paid to be on this list.
The 22 doors inside the county line come off public data, and 18 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
- 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
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
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.
- 22
- DOORS HERE
- 60
- ACROSS AL
Based in Birmingham, Alabama. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean.
BEST FORWorking capital, equipment and payroll for a small business.Based in Birmingham, Alabama. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Birmingham, Alabama. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Birmingham, Alabama. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Everything below is set by Alabama, and it reads the same in every county in it. The 22 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Alabama sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- BUSINESS TAX6.5%
What Alabama charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX6.5%
It depends on how the business is registered. A sole proprietor almost never pays it — worth knowing which side of that line you are on before you apply.
- SALES TAX4.0% state · 5.25% avg local
What you collect on a job, and what your materials cost. It is the gap between a bid that holds and one that does not.
- WHERE THE MONEY IS HEREAutomotive Manufacturing · Aerospace & Defense · Steel & Metals
Alabama's three biggest sectors. A local lender reads your file against them — a trade that serves these is a trade they already understand.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
22 doors sit inside the Jefferson County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
6 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
59 of Alabama's 67 counties hold a door in this lane. If Jefferson County does not have the one you need, the whole state is one click away.
Same 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.60 institutions fund small businesses inside Alabama county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.