Our Loan Fund
As a certified Native Community Development Financial Institution (CDFI), Mni Sota Fund is dedicated to providing ethical capital, low-interest loans, and financial education to help community members achieve their economic goals. Whether it’s boosting your credit or growing your business, we’re here to help.
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Credit Enhancement
$250 – $5,000 | 6–36 months
Our Credit Enhancement Loan provides relatives with a pathway to repair, strengthen, and rebuild their credit in a supportive, judgment-free environment; moving beyond predatory lenders to open doors for future opportunities.
What It Supports: Paying off collections, credit cards, or predatory loans; Consolidating high-cost debts; Establishing a positive credit history; Strengthening financial stability for future goals.
Payments are disbursed directly to creditors to protect borrowers and ensure funds support their stated goals.
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Consumer Loan
As large as $20,000
Our Consumer Loan provides flexible, affordable financing for essential life needs that support family stability, resilience, and wellbeing. Designed with our community in mind, this product centers dignity, cultural values, and access.
What It Supports: Transportation needs (vehicle repairs); Essential household expenses; Emergency needs; Education, tools, equipment, or family-supportive purchases
We work with borrowers through coaching to ensure they feel prepared and supported.
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Small Business Loan
Range from $500 - $150,000
Our Small Business Loan supports Native entrepreneurs, artists, and small business owners in launching, growing, and sustaining enterprises that strengthen our tribal and urban Indigenous economies.
What It Supports: Start-up capital; Equipment, inventory, supplies; Renovations or real estate improvements; Marketing and operations; Working capital and cash flow stabilization
A 10% equity contribution is required to support healthy business foundations and long-term sustainability.
