Pete Upton, CEO of Native CDFI Network, warns of an "existential threat" to the NACA program—the only federal funding stream specifically for Native CDFIs. With 86% of this year's funding at risk and potential complete elimination next year, 69 Native CDFIs serving banking deserts across Indian Country could lose their lifeline. The stakes? 46% of Native lands are banking deserts (12x the national average). Without Native CDFIs, there are no small business loans, no home loans, no economic development. But there's hope. Pete outlines solutions including a $50 million Treasury set-aside and leveraging SSBCI funds. He's calling for a seat at the table with the new administration to find common ground. "Native CDFIs are about economic freedom, not dependency—building businesses, creating jobs, keeping government out of the way where possible."

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

With just 3,600 enrolled members and limited financial resources, the Pawnee Nation of Oklahoma faced a challenging question: How could they fund a multi-million-dollar behavioral health center to address the opioid crisis in their community? The answer came through a strategic partnership with Native American Bank, whose expertise in both tribal lending and New Markets Tax Credits made the seemingly impossible project possible.

"They weren't just a lender—they were a partner and an educator," explains Brian Kirk, Executive Affairs Director for the Nation. The bank stayed engaged throughout years of planning, helping the tribe blend tax credits with grant funding and tribal contributions to create a financing model that minimized debt while maximizing impact.

Now nearly complete, the center will provide culturally informed addiction treatment and mental health services while demonstrating that tribal nations of any size can build sovereign infrastructure with the right financial partners. As Joel Smith of Native American Bank puts it: "This is replicable. And we're here to help other tribes make it happen."

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

When Quinault Nation elder Harvest Moon changed course from pursuing a medical career to becoming a basketweaver and storyteller, she found her true calling. With support from the Cedar Root Business Center, Moon has transformed her cultural artistry into a thriving business, sharing Quinault traditions with audiences ranging from schoolchildren to major corporations like Microsoft and REI.

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

For Kelly Price, her grandmother's fry bread recipe was everything she loved about home. Six years ago, she made a batch to support a needy family in her community, an act of kindness that led her to quit her corporate job and launch Red Bone Indian Tacos. Today, she travels throughout Oklahoma, selling fry bread tacos from a food truck as she prepares to soon open the business's very first brick-and-mortar location.

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

At the 5th annual Native CDFI Summit in Washington, D.C., Difference Makers host Elyse Wild caught up with Native CDFI leaders who are transforming their communities through small business support. From NACDC Financial Services' strategic property acquisitions in Montana to MNI Sota Fund's ambitious $19 million campaign in Minneapolis, these executives shared how they're creating spaces, opportunities, and pathways to success for Indigenous entrepreneurs. Through business incubators, expanded loan funds, and innovative programs, Native CDFIs are proving that strong small businesses build strong communities. Read their stories and get a glimpse of what's ahead for these difference makers in Indian Country.

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

From paralegal burnout to thriving entrepreneur: Rudy Serrano's story shows how the right support can transform a career. After 19 years in law, Rudy found his true calling in mobile RV repair, backed by the Tigua Community Development Corporation's comprehensive business development program.

Today, Roadhouse Mobile RV Repair and Inspection serves travelers across the country, combining Rudy's technical expertise with sound business practices learned through TCDC's Native Pathways program. His story proves that with proper guidance and determination, career pivots can lead to both personal fulfillment and business success. #NativeCDFI #SmallBusiness #IndigenousEntrepreneurship #NativeOwned

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

Alaska Native John Hillman spent years working away from his hometown of Hoonah, a remote Tlingit community in Alaska's Alexander Archipelago. When cruise ships began bringing tourists to his community in 2019, he saw his chance to return home. With support from Native CDFI Spruce Root, he and his wife launched Wilderness Island Tours, the area's only Indigenous-owned tour operator, sharing their culture and love of the local wilderness with visitors.

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

Meet Jamie Ann Bell (Ahtna Athabascan), who discovered baking was the perfect blend of her love for science and creativity. Starting with a homemade baby shower cake, she and business partner Linnaea Ward-Develice built Arctic Moon Bakery from scratch.

Despite a pandemic derailing their initial funding and forcing them into a high-interest loan, they persevered. Thanks to Cook Inlet Lending Center, a Native CDFI, they refinanced at 3% and now supply Alaska's largest coffee producer and local airlines with their treats. From navigating black bears to deliver mountain wedding cakes to shipping celebration cakes to remote villages, Arctic Moon Bakery is a testament to Native entrepreneurship and community support. 

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

Winnebago chef Reggie Frazier started his culinary career whipping up dishes on a hot plate at Ho-Chunk Village Farmer’s Market — or Nį̄šoc Wahāgi Hoci in the Ho-Chunk language. He quickly turned his passion for cooking into a thriving brick-and-mortar restaurant and, now, a new food truck with loans from Ho Chunk Community Capital, a Native CDFI. Learn how R-Eatz is feeding the community and inspiring other Native entrepreneurs on the Winnebago reservation.  

Plus, we asked Reggie and Ho Chunk Community Capital's Tony Wood what advice they'd give to aspiring Native entrepreneurs about starting a business. 

Tony Wood's Advice:

- Native CDFIs like Ho Chunk Community Capital are available resources that many people don't know about, but can provide crucial startup capital and support.
- The most important thing is having the drive and determination to follow through on your entrepreneurial dreams, even when things get challenging.
- Talk with successful Native business owners like Reggie to share their stories and inspire others in the community.
- Highlight the importance of continuing to support and promote Native-owned businesses.

Reginald Frazier's Advice:

- If it's your passion, take the risk and go for it - no one can take that passion away from you.
- Don't be afraid to ask for help - there are programs and people like Tony who can guide you in the right direction.
- Supporting one another in the community as fellow Native entrepreneurs.

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.

“If you are not at the table, you are on the menu.”

That sentiment guides Native CDFI Network CEO Pete Upton as he works to support Native community development financial institutions (CDFIs), advocating for policy and funding to elevate economic development across Indian Country. Upton always works to make sure Native CDFIs have a seat at the table when decisions are being made that affect Native communities. 

As we approach the halfway mark of the Difference Makers 2.0 season, Upton sat down with podcast host Elyse Wild to discuss how Native CDFIs are helping small businesses and creating opportunities for Native communities. They also share some of their favorite stories from the podcast episodes so far and how NCN champions Indian Country’s voice, ensuring Native communities always have a seat at the table.

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.