Native American Bank — Commercial Business Loans
Native American Bank, N.A. (Native American Bancorporation)
Commercial loans (deal-by-deal)
Researched for this program: 5 rejection traps · 6 required documentsWhat decides this award ↓
Native-owned bank, nationwide lending
Native American Bank is the only American Indian-owned, FDIC-insured national bank in the United States, headquartered in Denver, Colorado, and owned by a coalition of Tribal Nations, Alaska Native Corporations, and Native organizations. Its commercial lending division provides business financing across all 50 states with deep expertise in the unique issues of Tribal Law, Trust Lands, and Tribal Sovereignty that conventional banks routinely struggle with. The bank offers secured term loans, revolving lines of credit, letters of credit, and commercial real estate / construction loans, and selectively participates in government-guaranteed programs from the BIA (Indian Affairs), USDA, and SBA to extend more flexible terms. Its primary market is Tribes, tribally-owned enterprises, Alaska Native Village Corporations, and businesses owned by individual Native Americans and Alaska Natives, though loans are available to anyone. This is conventional commercial bank financing — underwritten on creditworthiness and collateral — rather than a grant.
- Funding type
- Loan
- Level
- Private
- Amount range
- Commercial loans (deal-by-deal)
- Realistic amount
- Loan sizes vary widely by borrower — from small business term loans and lines of credit to multi-million-dollar tribal enterprise and commercial real estate facilities. SBA 7(a) participation can reach $5,000,000.
- Deadline
- Rolling — applications accepted year-round through the bank's commercial lending team.
- Status
- active
- States
- Nationwide
- Payment model
- loan
Who qualifies
- Open to Tribes, tribally-owned enterprises, Alaska Native Village Corporations, and businesses owned by individual Native Americans and Alaska Natives (loans are also available to anyone)
- Must meet standard commercial underwriting: demonstrated repayment capacity, acceptable credit history, and sufficient collateral
- Business and project located in the United States (all 50 states served)
- For government-guaranteed loans, must additionally meet that program's eligibility (e.g. SBA size standards, BIA Native-ownership requirements)
- Projects on Trust Land or involving Tribal sovereignty can be accommodated — a core competency of the bank
What it covers
Eligible expenses
- Working capital
- Equipment and inventory
- Commercial real estate acquisition
- New construction and leasehold improvements
- Business acquisition
- Refinancing (where the program allows)
Ineligible expenses
- Personal, non-business expenses
- Speculative investments
- Uses prohibited by an applied government-guarantee program (e.g. SBA-ineligible purposes)
How to apply
-
1
Contact a commercial lender
Reach out to Native American Bank's commercial lending team to discuss your business, the financing need, and whether a conventional or government-guaranteed structure (SBA/BIA/USDA) best fits.
~3 hrs
-
2
Assemble the loan package
Provide business and personal financial statements, tax returns, a business plan or projections, the use-of-funds, and collateral documentation. Trust-land or tribal-enterprise deals may require additional sovereignty/title documentation.
~12 hrs
-
3
Underwriting and (if applicable) guarantee application
The bank underwrites the request and, where used, packages the SBA/BIA/USDA guarantee application. This step drives the timeline.
~4 hrs
-
4
Approval, closing, and funding
On approval, execute loan documents and close. Funds disburse per the loan agreement (lump sum, draw schedule for construction, or revolving availability for a line of credit).
~4 hrs
Because the bank routinely closes deals on Trust Land and with tribal sovereignty considerations, bring those issues up front rather than hiding them — they are the bank's specialty and the reason to choose it over a conventional bank that would decline the same deal. Ask explicitly whether a BIA Indian Loan Guarantee can be layered to improve your terms.
Deadline & timing
No application cycle; this is a bank. Begin by contacting a commercial lender to discuss the project and required documentation. Government-guaranteed program timelines (SBA/BIA/USDA) add weeks to closing.
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