Difference Makers

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.

Tulalip Nation citizen Anthony Henry turned his passion for fishing into a successful business with the help of a Native CDFI named Pacific Northwest Tribal Lending, becoming the captain of his own commercial fishing boat and preserving Tribal fishing rights.

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.

In 2008,  the salon where Julie Painter worked at while she was a student in cosmetology school was about to shut down because the owner was leaving to work in education. Painter's options were to work at a different salon two hours away in Asheville, N.C. — or buy the Visage Salon where she worked and become a business owner.

"There were two options in front of me," Painter, a member of the Eastern Band of Cherokee Indians, said. "And I went with option two.” 

Painter admits that she “was in a terrible place for starting a business” at the time. She had a low credit score and no experience running a business, but she was determined.

Then she met Russ Seagle and the Sequoyah Fund, Inc.  Here's their story. 

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.

In Eagle Butte, S.D., on the Cheyenne River Lakota Reservation, tribal citizens can find high-quality traditional foods, such as bison and wild rice, at Wóyute Natural Foods & Apothecary.

For owner Donita Fischer (Cheyenne River Lakota), the business she launched in 2023 is a testament to food sovereignty and a commitment to her community.

“Access to healthy foods is really important to me,” Fischer said. “Watching my parents and grandparents succumb to different ailments because of the Western diet introduced to our areas made access to healthy foods a key issue for me.”

Like many Native Americans of their generation who didn't have access to their traditional diets, Fischer's grandparents and mother had diabetes.

“My mom never wanted any of us to get diabetes,” Fischer said. “This is all kind of like a legacy to her.”

Supported by Four Bands Community Fund, a certified Native CDFI, Wóyute is thriving in a business incubator that provides essential services and a low-risk environment for growth. Executive Director Lakota Vogel shares insights on the importance of creating physical spaces for small businesses in underserved markets.

Tune in to the Difference Makers 2.0 podcast to hear Donita Fischer and Lakota Vogel discuss their journey and vision for a sustainable, community-focused food economy.

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.

Despite a Native American population of nearly 800,000, California and Nevada have only one certified Native CDFI. The Native CDFI Network and Wells Fargo are launching a year-long initiative to change that. 

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.

Polluted waters once limited the Mi’kmaq Nation's access to brook trout. A new fish hatchery and expansion, supported by Four Directions, a Native CDFI, boosts subsistence and economic development.

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.

Nixyaawii Community Financial Services helped Umatilla Citizen Sadie Mildenberger turn her dream of owning a business that serves innovative dishes with traditional ingredients into a reality. 

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.

Nine years ago, Sault Ste. Marie Tribe of Chippewa Indians citizen Wayne Roberts had an opportunity to turn his decades-long experience in commercial flooring into a business. Discover how Native CDFI Chi-Ishobak helped Roberts with lending and mentorship to scale that opportunity into Great Lakes Flooring Specialists, a thriving family company serving commercial clients across southwest Michigan.

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.