Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | P O BOX 805, Happy Camp, CA 96039 |
| Website | 5rlf.org |
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
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check 5rlf.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
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$3 million in 10 awards from the U.S. Treasury's CDFI Fund, 2007–2024 (CDFI Rapid Response Program; Native American CDFI Assistance (NACA), Financial Assistance; Native American CDFI Assistance (NACA), Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Native American CDFI Assistance (NACA), Technical Assistance | $400,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $500,000 |
| 2013 | Native American CDFI Assistance (NACA), Technical Assistance | $149,925 |
| 2012 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2011 | Native American CDFI Assistance (NACA), Financial Assistance | $557,854 |
| 2010 | Native American CDFI Assistance (NACA), Technical Assistance | $127,366 |
| 2009 | Native American CDFI Assistance (NACA), Technical Assistance | $108,486 |
| 2008 | Native American CDFI Assistance (NACA), Technical Assistance | $74,964 |
| 2007 | Native American CDFI Assistance (NACA), Technical Assistance | $118,772 |
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 Sep 2023| Total assets | $1.4M |
|---|---|
| Total liabilities | $276,484 |
| Net assets | $1.1M |
| Total revenue | $179,659 |
| Notes and loans receivable, net (Part X line 7) | $1.1M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 20-2091947, filed as “FIVE RIVERS LOAN FUND 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 |
|---|---|---|---|---|
| Sep 2020 (990) | $1.5M | $1.2M | $70,961 | $1.2M |
| Sep 2021 (990) | $1.5M | $1.2M | $158,853 | $884,994 |
| Sep 2022 (990) | $1.4M | $1.1M | $68,813 | $832,989 |
| Sep 2023 (990) | $1.4M | $1.1M | $179,659 | $1.1M |
Total assets fell 5% from Sep 2020 to Sep 2023; notes and loans receivable fell 10%. 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 |
|---|---|---|
| Total assets, latest IRS Form 990 | $1.4M | Larger than 9% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 9% |
“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 Happy Camp and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.