Oweesta offers loans to provide financing capital for Native CDFIs and other tribal or nonprofit loan funds. Borrowers must be Native-controlled and have a primary mission of serving Native communities. We do not offer loans directly to individuals or businesses.

Loan applications are accepted year-round and can be completed through the Oweesta Portal. Please contact Florence Ludka at florence@oweesta.org to begin the application process or get more information. In order to complete your application, you will need the following:

• Business plan and/or strategic plan, if available
• Most recent three years audited financial statements including the auditor’s letter to management
• Organizations with less than $1 million in assets may submit internal financial statements
• Most recent interim financial statements
• Three years of financial and lending projections, if available
• Loan portfolio aging report(s) showing all delinquencies broken down by loan type and lending sector
• Lending policies and procedures (required)
• Financial management policies (required)
• Resumes or brief professional biographies of management and senior staff
• Resumes or brief professional biographies of board members

Loan pipeline estimates may be submitted in lieu of formal financial and lending projections. Organizations in operation for less than three years or who have yet to begin lending are encouraged to apply. To view our current loan products and term sheet, please visit here.