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.

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.

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.

  • Up to $500,000 loan size
  • 3-4% interest rate
  • Term 3 months to 2 years
  • Usually unsecured
  • Structured to match expected receivables. May include interest only period.
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.

  • Maximum amount up to single borrower limit, conditional on funding availability
  • Interest rate is cost of capital plus 1.5-2.5%
  • 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 $100,000 loan size
  • 2.5-3.5$ interest rate
  • Term 2 to 3 years
  • Usually unsecured
  • Quarterly or monthly interest-only payments
  • Eligible for renewal
Working Capital

The Working Capital loan is a temporary, short term loan of up to $500,000 to be used for lending and operations in keeping with your mission. This loan is great for anyone facing delays in grant disbursements or contractual payments.

  • Up to $500,000 loan size
  • Cost of capital plus 1.5-2.5% interest rate
  • Term 3 months to 2 years
  • Structured to match expected receivables. May include interest only period.
Line of Credit

This renewable Line of Credit will act as general lending capital. Though all types of lending are allowable, this acts greatly for loan funds and financial institutions with seasonal or unexpected capital needs.

  • Up to $500,000 loan size when used with our Workin Capital loan
  • Cost of capital plus 1.5-2.5% interest rate
  • Term 1 year; renewable
  • Quarterly or monthly interest-only payments. Principal due at maturity.

Map of Current Native CDFIs


Current Loans Out


Current Loan Portfolio


Capital Pool (Closed)

“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


Oweesta Corporation
2432 Main Street, 1st Floor
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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