Northwest Native Development Fund
Northwest Native Development Fund is a 501(c)(3) Native CDFI headquartered in Coulee Dam, Washington, providing small business loans, personal loans, housing financing, and financial education to Native entrepreneurs and families in Eastern Washington.
- Company typePrivate
- Founded2008
- HeadquartersCoulee Dam, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Northwest Native Development Fund does
Northwest Native Development Fund (NNDF) is a 501(c)(3) non-profit Native Community Development Financial Institution (CDFI) headquartered in Coulee Dam, Washington, founded in 2008 to foster economic and financial independence for Native people in the Plateau region of Eastern Washington. The organization delivers a dual mandate of access to capital and financial education, offering a product suite that includes small business loans, Small Business Mercy Loans (3% working capital), personal and employee loans, construction/rehab loans with a six-month interest-only period, credit builder loans, and an Individual Development Account (IDA) matched savings program (8:1 match up to $4,000) supporting first-time homeownership. Educational offerings include the ONABEN-developed Indianpreneurship business planning course, Native Artist Professional Development, budgeting and marketing workshops, and one-on-one counseling with a full-time staff member.
NNDF's customer base is concentrated in Native small business owners, individuals and families, first-time home buyers in the $150,000-$180,000 price range, and Native artists across Eastern Washington (including Coulee Dam, Nespelem, Grand Coulee, Okanogan, and Omak). The business model blends transactional lending interest income with episodic grant funding from federal sources (US Treasury CDFI Fund, $1,083,300 in 2020) and corporate partners (Wells Fargo Open For Business Fund, $500,000 in 2020). Distribution is community-led: direct in-person lending supported by a regional partner network of seven Native CDFIs and organizations, amplified through workshops, the NW Native CDFI Summit, newsletter communications, and earned media. Cumulative impact since founding includes $23.4 million invested in the community, 498 loans provided, and 618 class attendees.
Northwest Native Development Fund firmographics
Firmographics- Name
- Northwest Native Development Fund
- Legal name
- Northwest Native Development Fund
- Website
- https://thenndf.org
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Northwest Native Development Fund is a 501(c)(3) Native CDFI headquartered in Coulee Dam, Washington, providing small business loans, personal loans, housing financing, and financial education to Native entrepreneurs and families in Eastern Washington.
- Ownership category
- akta.pro rank
Northwest Native Development Fund industry classification
Industry- Product category
- Community Development Lending
- NAICS
- Credit Unions (522130), Grantmaking and Giving Services (81321)
- SIC
- Miscellaneous Business Credit Institution (6159), Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- National/Regional Development Finance Institutions (DFIs) (FSABAKAB)
- akta.pro secondary industries
- Community Development Credit Unions (CDCUs) (FSABAEAC), International Grantmaking & Development Foundations (BPAGAKAH)
Keywords
Where Northwest Native Development Fund is headquartered
LocationHeadquarters
- HQ city
- Coulee Dam
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Northwest Native Development Fund business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Loan Interest Income: NNDF provides small business loans, personal/consumer loans, construction/rehab loans, and credit builder loans. Interest rates include 3% working capital loans for small businesses through the Mercy Loan program.
- Grant Funding: As a non-profit 501(c)(3) CDFI, NNDF receives grant funding from government programs (US Treasury CDFI Fund award of $1,083,300) and corporate sources (Wells Fargo Open For Business Fund $500,000 grant).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Small Business Mercy Loan - 3% interest working capital loans |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Northwest Native Development Fund product offering
Product offeringCore offering
Northwest Native Development Fund (NNDF) is a Native Community Development Financial Institution (CDFI) that provides direct lending products — including small business loans, personal/consumer loans, credit builder loans, construction/rehab loans, and an Individual Development Account (IDA) matched savings program — alongside financial and entrepreneurial education programs (such as Indianpreneurship and Native Artist Professional Development) to Native individuals and small business owners in Eastern Washington State. The organization fosters economic and financial independence through access to capital combined with financial literacy, business planning, and counseling services.
Product overview
Northwest Native Development Fund (NNDF) is a 501c3 non-profit Native Community Development Financial Institution (CDFI) offering a comprehensive suite of financial products and services for Native communities in Eastern Washington. The core product portfolio includes business loans (Small Business Loans, Mercy Loan program, Construction/Rehab Loans, Credit Builder Loans) and personal loans (Employee Loans), alongside the IDA matched savings program for homeownership. These lending products are complemented by educational services including the Indianpreneurship business planning course, Native Artist Professional Development training, and various budgeting and marketing workshops. NNDF operates with a two-pronged approach: providing access to capital through creative lending products and fostering financial independence through financial and entrepreneurial education.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Loans
Quantifiable outcome
- 618 class attendees through financial and entrepreneurial education programs
- +3 more outcomes
Companies that use Northwest Native Development Fund
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Northwest Native Development Fund technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Northwest Native Development Fund partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- KalispelminorPartner organization listed in NNDF's 'In Partnership' section. Nature of partnership not specified in available source material.
- LakotaFundsminorPartner organization listed in NNDF's 'In Partnership' section. Nature of partnership not specified in available source material.
- ONABENcoreONABEN created the Indianpreneurship small business planning course specifically for Indian Country. NNDF uses this course for their educational programs. ONABEN is a Native American Business Incubator Network.
- PotFundminorPartner organization listed in NNDF's 'In Partnership' section. Nature of partnership not specified in available source material.
- SKanTribesminorPartner organization listed in NNDF's 'In Partnership' section. Nature of partnership not specified in available source material.
- SWFundminorPartner organization listed in NNDF's 'In Partnership' section. Nature of partnership not specified in available source material.
- WKNDminorPartner organization listed in NNDF's 'In Partnership' section. Nature of partnership not specified in available source material.
Scale indicators9 records
Recent moves6 records
Expansion highlights4 records
Northwest Native Development Fund competitors and assessment
Company assessmentDirect peers
- Lakota Funds: Native CDFI serving Lakota communities on Pine Ridge with small business loans, credit-builder products, and financial education — directly comparable mission, products, and target customer profile to NNDF.
- Four Directions Development Corporation: Native CDFI providing lending and economic development programs to Native communities; directly comparable in CDFI structure, mission-driven lending, and educational programming.
- Mazaska Owecaso Otipi Financial: Native CDFI on Pine Ridge Reservation offering small business, consumer, and home loans to unbanked/underbanked Native populations — directly comparable in products, mission, and target segment.
- Potlatch Fund: Native-led CDFI serving Pacific Northwest and Northern Plains tribes with small business and cultural grants/loans — overlapping geography and target community, listed as an NNDF partner.
Regional players
- California Tribal Fund: Native CDFI offering small business and consumer lending to California tribal communities; similar CDFI model and products but operating in a different geography from NNDF.
Others
- CDFI Fund (US Treasury): Federal funder and certifying body for CDFIs including NNDF; ecosystem participant that supplies both grants and the regulatory certification underpinning NNDF's competitive advantage.
- ONABEN (Native American Business Incubator Network): Creator of the Indianpreneurship small business planning course that NNDF delivers; adjacent ecosystem participant and named NNDF partner rather than a direct lender.
Broad incumbents
- Native American Bank: Native-owned national bank offering commercial and consumer lending to tribal and Native communities — broader, FDIC-regulated incumbent serving overlapping customers with similar cultural alignment.
- Oweesta Corporation: Long-established Native CDFI intermediary that provides capital, training, and technical assistance to a network of Native CDFIs including NNDF's peers; broader scope but highly comparable function.
Emerging players
- Wisdom of the Elders: Native nonprofit combining financial literacy, business development, and cultural programming for Native communities; partial overlap on the educational and community-development side of NNDF's work.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Northwest Native Development Fund social profiles
Digital presenceNorthwest Native Development Fund financial estimates
Financial estimateRevenue estimate
Valuation estimate
Northwest Native Development Fund leadership team
Management profileNumber of profiles
Profiles2 records
Northwest Native Development Fund funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Northwest Native Development Fund M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Northwest Native Development Fund
What does Northwest Native Development Fund do?
Northwest Native Development Fund (NNDF) is a Native Community Development Financial Institution (CDFI) that provides direct lending products — including small business loans, personal/consumer loans, credit builder loans, construction/rehab loans, and an Individual Development Account (IDA) matched savings program — alongside financial and entrepreneurial education programs (such as Indianpreneurship and Native Artist Professional Development) to Native individuals and small business owners in Eastern Washington State. The organization fosters economic and financial independence through access to capital combined with financial literacy, business planning, and counseling services.
Is Northwest Native Development Fund a public or private company?
Northwest Native Development Fund is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Northwest Native Development Fund founded?
Northwest Native Development Fund was founded in 2008. It employs 1 to 10 people.
Where is Northwest Native Development Fund based?
Northwest Native Development Fund is headquartered in Coulee Dam, United States, in the North America region.
How does Northwest Native Development Fund make money?
Two revenue lines are on record. Loan Interest Income is the primary driver. The others are grant Funding.
Who are Northwest Native Development Fund's main competitors?
Direct peers on record are Lakota Funds, Four Directions Development Corporation, Mazaska Owecaso Otipi Financial and Potlatch Fund. California Tribal Fund is listed as a regional player. Others are CDFI Fund (US Treasury) and ONABEN (Native American Business Incubator Network). Broad incumbents are Native American Bank and Oweesta Corporation. Wisdom of the Elders is listed as an emerging player.
Does Northwest Native Development Fund have an API?
No public API is recorded for Northwest Native Development Fund.
What industry is Northwest Native Development Fund in?
Northwest Native Development Fund's product category is Community Development Lending. Its primary akta.pro industry code is FSABAKAB, National/Regional Development Finance Institutions (DFIs), with a secondary code of FSABAEAC, Community Development Credit Unions (CDCUs). Its NAICS code is 522130 and its SIC code is 6159.