Prospective Borrowers

Click here to download a full application.

ATNI-EDC Loan Program FAQ

Am I eligible for a loan from ATNI-EDC?

There are two considerations to be aware of when inquiring about eligibility: geographic location and applicant status. The ATNI RLF Policies and Procedures Manual (April 2015) states the following:

  • The area served by the ATNI Loan Program shall be the geographic area of the ATNI-member Tribes, generally the States of Washington, Oregon, Idaho and parts of Montana, California, Nevada, and Alaska. It’s important to note that some of our funding sources only lend to applicants in rural communities.
  • Eligible applicants: Applications may be submitted by:
    • The authorized representatives of any Tribe that is a member of ATNI;
      Enterprises owned by the Tribes
    • Businesses owned by Native Americans who are members of ATNI member tribes wishing to establish a new operation or expand an existing operation
    •  businesses that directly benefit an ATNI-member Tribe or tribal enterprise
    • Businesses owned and operated by ATNI-tribal members will be given first priority in the loan approval process.

How can I use loaned funds?

ATNI Loan funds shall be provided to eligible applicants for the acquisition of land and buildings; the acquisition of furniture, fixtures, and equipment; site preparation; clearance/ demolition and removal of structures; working capital; and buyouts by purchase of assets or stock.

How much can I borrow?

The amount of funds available for any single business enterprise shall range from a minimum of $5,000 to a maximum of $125,000. Loan larger than $125,000 may be negotiated on a case-by-case basis. The maximum amount available is also dependent on the ATNI-EDC portfolio, and the actual amount that is available to lend.

What if I need more than that?

ATNI-EDC has established partnerships with other Native CDFIs and lending institutions that lend in Indian Country. Partner institutions may participate in loans, leveraging their own capital.

When does ATNI-EDC accept loan applications?

We accept loan applications throughout the year.  The ATNI Financial Services Committee reviews loan application during their monthly meeting.  The committee meets on the last Thursday of each month.  Applications need to be submitted at least 2 weeks prior to the committee meeting to be considered.

Why should I choose ATNI-EDC over other lending institutions?

ATNI-EDC usually works with clients that may be deemed ‘un-bankable.’ Perhaps you have little to no credit history; perhaps your collateral isn’t something that a traditional lender wants to consider. We also work hands-on with applicants to build a loan package that works for both the borrower and ATNI-EDC. That being said, ATNI-EDC does not have the most competitive rates on the market. We are a good choice for some applicants, but it’s a good idea to shop around.

Sounds great! How do I apply?

Click here to download an application.  If you have questions, contact Guy Belfiore by emailing or calling (503) 206-6162.

Current Borrowers

If you have questions about your loan, contact Guy at, or by calling (503) 206-6162.

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