Loans
For tribes, Tribal Enterprises, and Alaska Native Corporations
we have decades of Lending expertise in Indian Country
We understand the unique challenges that Tribal Law, Trust Lands, and Tribal Sovereignty present and the process involved in financing a project. Our commitment is to strengthen Native communities by providing affordable, tailored banking and financial services to our communities across Indian Country.
Tribal enterprise loan options
Our lending solutions are designed to support your organization’s needs at every stage no matter where you’re located in Indian Country.
Working Capital Loans
We offer loans that help you manage and operate your organization, whether you need a loan for operating expenses or managing cash flow, we can help you meet your needs with the below products:
- Working Capital Term Loans
- Revolving Lines of Credit (RLOC)
Acquisition and Construction Loans
If you are looking to grow or expand your organization and need to finance a large project, we offer loans to purchase commercial real estate or to build or renovate current real estate with the following loan products:
- Commercial Real Estate Loans
- Construction Loans
- Acquisition Loans
- Expansion and Renovation Loans
Equipment Loans
If you are experiencing growth in your organization, we can help provide financing for new equipment or operational upgrades to elevate your organization with the below loan products:
- Equipment & Machinery Loans
Seasonal & Contract Needs
We offer financing options for organizations whose work is seasonal or may need short term loans to bridge an awarded contract or grant with the following loan products:
- Seasonal Financing with Flexible Repayment Options
- Bridge Loans
- Accounts Receivable Financing
Energy-Related Loans
We offer energy-related financing options for organizations who may need permanent or bridge loans for the following types of projects:
- Renewable and Sustainable Energy Loan
- Infrastructure Loans
- Bridge Loans
Low Income Housing Tax Credit (LIHTC) Loans
We partner with Tribes and Tribally Designated Housing Entities (TDHEs) who are utilizing the LIHTC financing structure to build affordable housing developments on and off trust land. We have experience working within this structure in various ways by providing the following types of loans:
- HUD Title VI Loans
- Construction Loans
- Bridge Loans
- Source Loans
- Permanent Loans
New Markets Tax Credit (NMTC) Allocations and Loans
We work with the NMTC financing structure in a variety of ways and all of our projects are located on Tribal lands and/or owned by Tribal entities. We are experts in coupling this finance structure with added government guarantee programs for our customers and projects that qualify. We provide:
- NMTC Allocations
- NMTC Related Loans
Visit our New Markets Tax Credit Program page for more details.
Government Guarantee Programs
Where appropriate, we work with organizations to utilize government guaranteed lending programs that offer added flexibility and more favorable terms than can’t be obtained without such support.
These programs are offered by various Federal Agencies whom we work with directly on your behalf. Contact us today to discuss your eligibility for these programs.
Indian Loan Guarantee Programs
The Division of Capital Investment (DCI) helps American Indian and Alaska Native (AI/AN) tribes and individuals obtain fair interest rates for their financing needs. DCI also helps Tribally-owned businesses and organizations overcome challenges that can make traditional loans harder to obtain.
We utilize the following loan guarantees on a regular basis for customers who qualify:
- Indian Loan Guarantee Program
- Indian Loan Insurance Program (primarily for loans $250,000 or less)
Tribal Housing Activities Loan Guarantee Program (Title VI)
The Title VI Loan Guarantee program allows recipients of Indian Housing Block Grant (IHBG) Funds to use current and future fund allocations as a means of leverage to obtain HUD guaranteed financing. Recipients of IHBG funds can be Tribes, Alaska Native Villages, or Tribally Designated Housing Entities (TDHEs).
We are an approved lender and utilize the following loan program for customers who qualify:
- HUD Title VI Loan Guarantee Program
SBA Loan Guarantee Programs
The U.S. Small Business Administration (SBA) helps small businesses with guaranteed loans. The loans range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital.
We utilize the following SBA loan guarantees for customers who qualify:
- SBA 7(a) Loan Guarantee Program
- SBA 504 Loan Program
USDA Loan Guarantee Programs
The U.S. Department of Agriculture (USDA) helps low- to moderate-income individuals and businesses to obtain affordable financing in eligible rural areas and are tailored to meet various needs.
We utilize the following USDA loan guarantees for customers and properties that qualify:
- USDA Business & Industry (B&I) Guaranteed Loan Program
- USDA Community Facilities (CF) Loan Guarantee Loan Program
AIDEA Loan Participation Program
The Alaska Industrial Development and Export Authority (AIDEA) offers various financing programs to help Alaskan businesses start, expand, and create jobs.
We are an approved lender and utilize the following AIDEA loan programs for customers who qualify:
- AIDEA Loan Participation Program
Tribal Governments State Small Business Credit Initiative (SSBCI)
SSBCI provides states, territories, Washington, D.C., and Tribal governments (Eligible Jurisdictions) funding for:
- Small business financing programs and
- Technical assistance to small businesses applying for SSBCI and other government programs
Small business financing programs that SSBCI funds may be used to support include capital access programs, loan participation, loan guarantee, collateral support, and venture equity programs.
We partner with various Tribal SSBCI programs and are open to partner with your Tribe’s program, contact us to discuss opportunities with our commercial lending team.
Native specific Programs
These programs are offered specifically to our Native clients. Contact us today to discuss your eligibility for these programs.
Section 105(l) Leases
Section 105(l) of the Indian Self-Determination and Education Assistance Act (ISDEAA) provides that Tribes and Tribal organizations carrying out Federal functions under a self-determination contract or self-governance compact may enter into a lease agreement with the Department of the Interior (DOI) for the Tribally owned or rented facility used to carry out those functions.
Under a Section 105(l) Lease, DOI negotiates with the Tribe or Tribal organization on eligible expenses for use of the facility to carry out the contract or compact function.
We have utilized this program as a primary source of repayment for customers who qualify.
Other Programs
We understand there are various programs available to Tribes and Tribal organizations, so if you don’t see the program you’re interested in, please contact us to start a conversation with our lending team.
Interested in a loan?
If you are interested in discussing a financing need, contact us and our commercial lending team will follow up with you directly.
Or feel free to give us a call at 800-368-8894.
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Other Services
Business, Tribal Enterprise, and Non-Profit Credit Cards
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Personal Loans
From planned purchases to unexpected expenses, our team is committed to supporting the financial needs of residents in the Colorado, Montana, and Washington communities we proudly serve.