Big Crows

The Big Crow family utilizes a business loan from Lakota Funds to expand operations and fill gap in much needed local services for outdoor events on Pine Ridge Reservation. Read more.

Business Lending


Lending for the purpose of starting or growing reservation businesses is the heart of Lakota Funds' mission. We have several financing options to help aspiring or established entrepreneurs turn their ideas into reality. Lakota Funds wants to work with you to make your business a success. If you need assistance completing the loan application, please do not hesitate to contact us. We have qualified coaches on staff to walk you step-by-step through the loan process.

Savvy business owners borrow as little as possible and only when they are sure they are able to repay the loan. If you have a business idea or want to grow your existing business, you can choose from the following loan products. Lakota Funds can also package loans with off reservation banks for larger projects.

Art Builder Microloan - $500 or less


The Art Builder Microloan is an excellent financing solution for artists who have small working capital or inventory needs. This loan is unsecured, meaning no collateral is required, and is designed to support the start-up and growth of art businesses on the Pine Ridge Reservation.

Eligibility Guidelines: Requirements: Proceeds of loan will be paid directly to vendor of applicant's choice.

Terms of Loan: Up to 6 months, payable monthly via automatic withdrawal, with fixed interest rate of 15%.

Download an application.

Small Loans - $25,000 or less


The Small Loan is perfect for the serious start-up or existing business that has a substantial need for capital.

Eligibility Guidelines: Requirements: Loan funds can be used to purchase inventory and materials; real estate purchase or renovation; working capital; and debt restructure. Loan to discounted collateral value ratio must be 50% or better.

Terms of Loan: Up to 15 years for real estate, up to 7 years for equipment, and up to 5 years for working capital. Fixed interest rate between 8% and 13%.

Download a loan application.

Business Loans - $25,001-$300,000


Our Business Loan is great for the existing business that is looking to reach new levels of success.

Eligibility Guidelines: Requirements: Loan funds can be used to purchase inventory and materials; real estate purchase or renovation; working capital; and debt restructure. Loan to discounted collateral value ratio must be 50% or better.

Terms of Loan: Up to 15 years for real estate, up to 7 years for equipment, and up to 5 years for working capital. Fixed interest rate between 8% and 13%.

Download a loan application.

Business Line of Credit


If you’ve been in business for at least two years and need access to additional credit, our Business Line of Credit might be for you.

Eligibility Guidelines: Requirements: Loan funds can be used to purchase inventory; finance receivables; working capital. Loan to discounted collateral value ratio must be 50% or better. For accounts receivable loans, amount is based on receivables of 30 days or less. Accounts receivables must equal 50% or more of loan amount on a discounted basis.

Terms of Loan: One year term. Interest rate is fixed at closing and is payable monthly. 1% of outstanding principal balance or $150, whichever is greater, due monthly; loan must be paid down to a zero balance at least once during the term. Interest rate between 8% and 15%.

Download a loan application.