At a glance
From its website, read 29 Oct 2026Four Bands Community Fund, Incorporated is a loan fund based in Eagle Butte, South Dakota. Its website describes farm loans, credit-builder loans, home repair loans and 3 other loan types. Stated loan amounts run up to $400,000. Where it lends: Cheyenne River Sioux Reservation (stated for the consumer loan program). Business loan rates stated on its site range from 5.5% to 10%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (605) 964-3687 source |
|---|---|
| info@fourbands.org source | |
| Website | www.fourbands.org |
| Office (official list) | P.O. Box 932, Eagle Butte, SD 57625 |
What their website says about applying
To start on your path of entrepreneurial growth, give us a call.
sourceAll applicants must provide appropriate documentation at the time of application to verify both residency and income eligibility.
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.
Rates and terms they state
Read 29 Oct 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Agriculture / farm loans | Rate: 5.5%–7% | Terms: Interest Rates 5.5-7%*, Length of Repayment up to 20 years (based on collateral life) | source |
| Credit-builder loans | Rate stated, not as an APR: see their wording | Terms: Interest Rate 11%*, Length of Repayment 2-3 years | source |
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | Terms: Interest Rate 6-8%*, Length of Repayment up to 10 years | source |
| Microloans | Rate: 8%–10% | Terms: Interest Rates 8-10%*, Length of Repayment up to 10 Years (based on collateral life) | source |
| Home mortgages | Rate stated, not as an APR: see their wording | Interest Rates 4% to 7% | source |
| Small-business loans | Rate: 6%–8% | Terms: Interest Rates 6-8%*, Length of Repayment up to 20 Years | source |
| Small-business loans | Rate: 6%–10% | Terms: Interest Rates 6-10%*, Length of Repayment up to 12 months | source |
| Agriculture / farm loans | Term: up to 20 yr | Length of Repayment up to 20 years (based on collateral life) | source |
| Microloans | Term: up to 10 yr | Length of Repayment up to 10 Years (based on collateral life) | source |
| Home mortgages | Term: see their wording | Length of Repayment up to 30 years | source |
| Home mortgages | Term: see their wording | Length of Repayment up to 33 years | source |
| Small-business loans | Term: up to 20 yr | Length of Repayment up to 20 Years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Income limit applies
To qualify, households of one to four people can have a maximum annual income of $66,400.
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) | 13 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 932, Eagle Butte, SD 57625 |
| Website | www.fourbands.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
Verified from lender site on 29 Oct 2026Read from 6 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 |
|---|---|---|---|
| Agriculture / farm loans | — | The Ag Loan is a great financing solution for beginning or existing ag producers. It can provide the start up capital necessary to launch a new operation or expand an existing one. | source |
| Credit-builder loans | — | More Lending Options Credit Builder Loan (up to $3,000, exceptions up to $5,000) | source |
| Home repair / improvement loans | up to $100,000 | Home Renovation Loan (up to $100,000) | source |
| Microloans | — | Micro Loan (under $50,000) | source |
| Home mortgages | — | Whether you’re taking your first step or have been on the homeownership path for a while, our mortgage team is here to help you reach your homeownership goals. | source |
| Small-business loans | $50,001 – $400,000 | Small Business Loan ($50,001 - $400,000) | source |
Loan sizes
Micro Loan (under $50,000)
sourceSmall Business Loan ($50,001 - $400,000)
sourceCredit Builder Loan (up to $3,000, exceptions up to $5,000)
sourceHome Renovation Loan (up to $100,000)
source
Range used for the size filter: not stated to $400,000
Service area
Cheyenne River Sioux Reservation (stated for the consumer loan program)
Four Bands’ consumer loan program is available for enrolled tribal members and permanent residents of the Cheyenne River Sioux Reservation.
source
Borrower focus
- Low- and moderate-income / underserved
The Section 502 loan product is designed to create a pathway to homeownership for low-income borrowers in Dewey and Ziebach Counties.
source - Native American / Alaska Native / Native Hawaiian
Four Bands’ loan fund program is available for Native American and permanent residents of the Cheyenne River Sioux Reservation, as well as enrolled tribal members who reside in the state of South Dakota.
source - Startups
Micro Loan (under $50,000) The Micro Loan is a great financing solution for the beginning entrepreneur. It can provide the start-up capital necessary to launch a new small-scale business venture or to expand an existing…
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (6)
- https://fourbands.org/
- https://fourbands.org/programs/for-consumers/consumer-loans/
- https://fourbands.org/programs/for-entrepreneurs/business-loans/
- https://fourbands.org/flexible-financing-takes-business-to-next-step/
- https://fourbands.org/programs/for-consumers/
- https://fourbands.org/programs/homeownership/
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 ($400,000) but no minimum. - What is the APR, including fees, on your credit-builder loans and home repair loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - 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. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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$13.6 million in 20 awards from the U.S. Treasury's CDFI Fund, 2001–2022 (6 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,529,443 |
| 2022 | Native American CDFI Assistance (NACA), Financial Assistance | $1,300,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Native American CDFI Assistance (NACA), Financial Assistance | $623,300 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $858,000 |
| 2018 | Native American CDFI Assistance (NACA), Technical Assistance | $144,506 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $941,333 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $1,000,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2013 | Native American CDFI Assistance (NACA), Technical Assistance | $147,308 |
| 2012 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2011 | Native American CDFI Assistance (NACA), Financial Assistance | $725,000 |
| 2010 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $649,946 |
| 2009 | Native American CDFI Assistance (NACA), Financial Assistance | $470,000 |
| 2009 | Native American CDFI Assistance (NACA), Technical Assistance | $131,451 |
| 2008 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $502,335 |
| 2006 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $618,000 |
| 2004 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $440,000 |
| 2004 | Native American CDFI Assistance (NACA), Technical Assistance | $78,000 |
| 2001 | CDFI Program, Technical Assistance | $150,500 |
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 | $30.7M |
|---|---|
| Total liabilities | $11.8M |
| Net assets | $19M |
| Total revenue | $10.3M |
| Notes and loans receivable, net (Part X line 7) | $19.2M |
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 46-0456528, filed as “FOUR BANDS COMMUNITY 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 |
|---|---|---|---|---|
| Dec 2021 (990) | $19M | $13.5M | $5.6M | $10M |
| Dec 2022 (990) | $24M | $16.4M | $6M | $14M |
| Dec 2023 (990) | $30.7M | $19M | $10.3M | $19.2M |
Total assets grew 61% from Dec 2021 to Dec 2023; notes and loans receivable rose 92%. 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 | $400,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 61% of these 184. |
| Total assets, latest IRS Form 990 | $30.7M | Larger than 57% of the 7 other certified loan funds and venture funds in South Dakota with a matched Form 990 (median $26.9M). |
| Business loan rate its website stated (29 Oct 2026) | 5.50% to 10.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 1.5 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
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 61% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in South Dakota | 7 | larger than 57% |
“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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
Other certified CDFIs in Eagle Butte and South Dakota
- Akiptan, Inc.Loan fund · Eagle Butte, SD · Native CDFIAgriculture / farm loansVerified
- Coteau Valley Federal Credit UnionCredit union · Sisseton, SDAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Dakota ResourcesLoan fund · Renner, SDMicroloans, Nonprofit / community facility loansVerified
- Fort Randall Federal Credit UnionCredit union · Wagner, SDAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Equipment loans…Verified
- Grow South DakotaLoan fund · Sisseton, SDHome mortgages, Small-business loansVerified
- Lakota Fund, Inc., TheLoan fund · Kyle, SD · Native CDFIAgriculture / farm loans, Microloans, Small-business loansVerified
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