Lending & Capitalization

Building the economic capacity of Native communities.

Does Your Native Financial Institution Need Loan Capital?

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.

Oweesta’s current single borrower limit is $1.5 million or 25% of the borrower’s total assets, whichever is smaller. Loan applications are accepted year-round and can be completed through Oweesta’s client portal. Please contact Emily Trump at emily@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
  • 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

Organizations with less than $1 million in assets may submit unaudited financial statements. 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.

About Our Lending Products

Capital Loans

This is Oweesta’s “classic” loan product, used by most of our Native CDFI borrowers. Funds can be used to make any kind of loans in the borrower’s self-identified target market.

  • $100,001 – $500,000 loan size
  • 2-4% interest rate (most loans are 3-3.5%)
  • Term up to 5 years
  • Usually unsecured
  • Quarterly or monthly interest-only payments for up to two years
Agriculture Loans

This loan product provides lending capital for loans to support the production, processing, marketing, and/or distribution of agricultural products, including food, fiber, forest products, and horticultural crops.

  • $50,000 and up loan size
  • Interest rate tied to Federal Funds Rate
  • Term up to 10 years
  • Quarterly or monthly payments, with up to two years interest-payments
First In Loans

This loan product is almost identical to a Capital Loan, except that it is smaller, has a shorter term, and carries a slightly higher interest rate. These are our riskier loans, made to smaller, newer, or struggling Native CDFIs.

  • Up to $100,000 loan size
  • 4-5% interest rate
  • Term up to 3 years
  • Usually unsecured
  • Quarterly interest-only payments
  • Eligible for renewal

Map of Current Native CDFIs


Current Loans Out


Current Loan Portfolio

“NACDC Financial Services was able to help a customer pay off all of their negative debt to start improving their credit score so someday they can build a bigger home for their family”

Native American Community Development CorporationBrowning, Montana

“FDDC was able to provide 3 different affordable housing loans to a single tribal family on the reservation, in their family community, over the past 10 years: 1. home purchase loan, 2. refinance loan, 3. home improvement loan. Recently the family experienced medical concerns and FDDC was able to provide 3 month deferred loan payments to allow the family to focus on the medical concern and full recovery. The family was extremely happy that FDDC was able to help them by providing them the 3 loans so they could live in their community and also to help them during their time of difficulty”

Four Directions Development CorporationOrono, Maine

“Lakota Funds provided loan funds to a nationally known Native American music group to purchase equipment for their business”

Lakota FundsKyle, South Dakota

“Wisconsin Native Loan Fund has refinanced 2 loans this quarter for families that requested a longer repayment term to help lower monthly loan payments and continue to successfully budget monthly bills. Refinances are usually much needed relief for borrowers who incur more debt after a WINLF loan. By offering this feature if needed, it increases the borrower’s capacity to become financial self sufficient”

Wisconsin Native Loan FundLac du Flambeau, Wisconsin


First Nations Oweesta Corporation
2432 Main Street
Longmont, CO 80501

Oweesta is an equal opportunity employer and provider.


Oweesta is the only existing Native CDFI intermediary offering financial products and development services exclusively to Native CDFIs and Native communities. Specifically, Oweesta provides training, technical assistance, investments, research, and policy advocacy to help Native communities develop an integrated range of asset-building products and services, including financial education and financial products.

Asset-building tools stimulate reservation economies by providing tribal members the opportunity to acquire financial management skills and build and accumulate assets through small business creation, homeownership, education, and much more.


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