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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

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