Native American Small Business Loan
Fostering Economic Vitality in California’s Native American Communities
Are you a rural Native American owned business looking to access low cost capital for growth? The Statewide CDC Native American Loan Fund offers attractive variable rate financing for a variety of business needs.
- Commercial real estate improvement
- Machinery and equipment
- Plant improvements
- Working capital
Key Loan Features
LOAN AMOUNT
Up to
$50,000
TERMS
36 months
RATE
8.50%
FEES
$550 Packaging Fee
How do I get Started?
Prequalification is the first step and will require the following.
- Business tax returns for the past three years, plus interim financial statement
- Business debt schedule
- For any owner of 20% or more ownership: personal tax returns for the last three years, plus personal financial statement
- Summary of how loan funds will be used
Frequently Asked Questions
This program is an SBA 504 loan initiative specifically tailored to support Native American-owned businesses investing in fixed assets like land, buildings, or equipment.
To qualify, the business must be at least 51% Native American-owned and meet standard SBA 504 eligibility criteria, including being a for-profit U.S. business with a tangible net worth under $15 million.
Eligible projects include purchasing or renovating commercial real estate, acquiring heavy equipment, or constructing new facilities that will be occupied by the business.
Yes. Both tribally owned and individually owned Native American businesses can qualify, as long as they meet SBA size and ownership requirements.
Key benefits include low down payments (as little as 10%), fixed interest rates, and long repayment terms—helping preserve capital and build long-term stability.
