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Bureau of Indian Affairs (BIA) Loans

Loans to support American Indian Tribes.

To help Indian tribes and individuals establish and expand Indian-owned businesses and to encourage self–sufficiency, Congress passed the Indian Financing Act of 1974, providing up to a 90% loan guarantee. The Act was established to reduce the loan insurance disparity between business capital available to Indian and non-Indian businesses. Tri Counties Bank participates in the loan guarantee program that supports recognized American Indian Tribes, enrolled members of such tribes or groups, and related businesses.

BIA Loan features:

  • Loans may be used for qualified businesses and sole proprietorships
  • Financing for properties located on tribal lands not otherwise readily available
  • Lender is incentivized by getting a 90% loan guarantee
  • Funds may be used for refinance, construction, purchases and other business-related needs
  • Funds may be used for special purpose real estate such as gas stations, hotels, community centers, RV parks, and other facilities
  • Maximum loan size for individuals is $500,000 per request; for businesses, maximum loan sizes generally should not exceed $5 million and are subject to funding limits of the Bureau of Indian Affairs
  • Up to 80% financing available
  • Long-term conventional comparable terms available
  • Fully amortized loans with no calls or balloon payments

Qualifying factors include:

  • Borrowing entity must be 51% or more native owned
  • Project must benefit the economy of the reservation or tribal area
  • 20% tangible equity required for project being financed
  • Must meet qualifications of both the Lender and the Division of Capital Investment of the Bureau of Indian Affairs
  • Loans for gaming facilities and gambling equipment do not qualify

Put the experience and knowledge of the Tri Counties Bank business lending team to work for you.

Learn about our Equipment Lending promotion today.

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