At a glance
From its website, read 29 Oct 2026Cook Inlet Lending Center, Inc. is a loan fund based in Anchorage, Alaska. Its website describes credit-builder loans, small-dollar emergency loans, home mortgages and 2 other loan types. Stated loan amounts run up to $250,000. Where it lends: Alaska. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (907) 793-3058 source |
|---|---|
| info@cookinletlending.com source | |
| Apply online | Page with the application link |
| Website | www.cookinletlending.com |
| Office (official list) | 3600 Spenard Rd, Ste 100, Anchorage, AK 99503 |
What their website says about applying
Contact us to get prequalified.
sourceTwo months complete bank statements with all pages
sourceMost recent 2 years tax returns with all pages
sourceIf you appear eligible, we will invite you to begin the loan application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- No or thin credit history considered
helps individuals establish or strengthen their credit history while building savings
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 12 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | 3600 Spenard Rd, Ste 100, Anchorage, AK 99503 Directions (Google Maps) |
| Website | www.cookinletlending.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 29 Oct 2026Read from 5 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | APPLY NOW Credit Builder Loan | source |
| Small-dollar / emergency loans | — | Small Dollar Loan | source |
| Home mortgages | — | Purchase a new home or refinance an existing home. Specializing in HUD 184 loans for Alaska Native and American Indian borrowers and entities | source |
| Personal / consumer loans | — | A Better Option in Personal Loans | source |
| Small-business loans | up to $250,000 | CILC provides small business financing for start-ups and existing businesses owned by Native individuals or serving Native communities across Alaska, with loans up to $250,000 for: | source |
Loan sizes
with loans up to $250,000
sourceLoan amounts up to $2,500
sourceLoan amounts up to $1,000
sourceCILC provides small business financing for start-ups and existing businesses owned by Native individuals or serving Native communities across Alaska, with loans up to $250,000 for:
source
Range used for the size filter: not stated to $250,000
Service area
Alaska
owned by Native individuals or serving Native communities across Alaska
source
Statewide: Alaska
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Alaska Native, American Indian, and Native Hawaiian individuals; and
source - Startups
CILC provides small business financing for start-ups and existing businesses owned by Native individuals or serving Native communities across Alaska, with loans up to $250,000 for:
source - Veterans
VA Loans The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now! The Loan Process
source
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($250,000) but no minimum. - What is the APR, including fees, on your credit-builder loans and small-dollar emergency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$11.9 million in 18 awards from the U.S. Treasury's CDFI Fund, 2002–2024 (7 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Native American CDFI Assistance (NACA), Financial Assistance | $1,250,000 |
| 2024 | Small Dollar Loan Program | $131,062 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,250,000 |
| 2021 | Native American CDFI Assistance (NACA), Financial Assistance | $331,000 |
| 2019 | CDFI Program, Financial Assistance | $500,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $200,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $585,500 |
| 2016 | Native American CDFI Assistance (NACA), Financial Assistance | $1,000,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2013 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2011 | Native American CDFI Assistance (NACA), Financial Assistance | $725,000 |
| 2010 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $622,611 |
| 2009 | Native American CDFI Assistance (NACA), Financial Assistance | $470,000 |
| 2008 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $564,485 |
| 2002 | Native American CDFI Assistance (NACA), Technical Assistance | $87,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $29.8M |
|---|---|
| Total liabilities | $14.5M |
| Net assets | $15.3M |
| Total revenue | $3.5M |
| Notes and loans receivable, net (Part X line 7) | $16.5M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 92-0177969, filed as “COOK INLET LENDING CENTER INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $29.4M | $14.9M | $14.9M | $16.6M |
| Dec 2022 (990) | $29.2M | $15.4M | $3M | $16.1M |
| Dec 2023 (990) | $29.8M | $15.3M | $3.5M | $16.5M |
Total assets grew 2% from Dec 2021 to Dec 2023; notes and loans receivable were about flat. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $29.8M | Larger than 66% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 66% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Anchorage and Alaska
- Alaska Growth Capital BIDCO, Inc.Loan fund · Anchorage, AK · Native CDFISBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Spruce Root, Inc.Loan fund · Juneau, AK · Native CDFIEnergy / solar / efficiency loans, Microloans, Small-business loansVerified
- Alaska Benteh Capital, LLCLoan fund · Wasilla, AKOfficial list only
- Haa Yakaawu Financial CorporationLoan fund · Juneau, AK · Native CDFIOfficial list only
- Tongass Federal Credit UnionCredit union · Ketchikan, AKOfficial list only
Work at Cook Inlet Lending Center, Inc.? Link to this page
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