At a glance
From its website, read 2 Nov 2026NACDC Financial Services Inc. is a loan fund based in Browning, Montana. Its website describes credit-builder loans and small-business loans. Stated loan amounts run up to $100,000. Where it lends: Native communities across Montana.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (406) 338-2099 source |
|---|---|
| Website | www.nacdcfinancialservices.com |
| Office (official list) | 201 N. Piegan Street P.O. Box 3029, Browning, MT 59417 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 201 N. Piegan Street P.O. Box 3029, Browning, MT 59417 |
| Website | www.nacdcfinancialservices.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 2 Nov 2026Read from 4 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages were not among the pages fetched; loan details come from resource page descriptions. 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 | up to $10,000 | These loans are paid directly to the vendors or creditors and are available up to $10,000 with terms of two (2) years or less. | source |
| Small-business loans | up to $100,000 | NACDC Financial Services offers microenterprise and small business loans up to $100,000 with repayment terms up to seven (7) years. | source |
Loan sizes
NACDC Financial Services offers microenterprise and small business loans up to $100,000 with repayment terms up to seven (7) years.
sourceThese loans are paid directly to the vendors or creditors and are available up to $10,000 with terms of two (2) years or less.
source
Range used for the size filter: not stated to $100,000
Service area
Native communities across Montana
for Native communities across Montana.
source
Statewide: Montana
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Our mission is to provide alternative financing opportunity for Native American Entrepreneurs and small businesses in communities in and near Indian Reservations.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 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 ($100,000) but no minimum. - What is the APR, including fees, on your credit-builder 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. - 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. - How long can I take to repay?
No repayment terms are stated on their website. - 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$8.5 million in 12 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Native American CDFI Assistance (NACA), Financial Assistance | $2,600,000 |
| 2024 | Small Dollar Loan Program | $287,417 |
| 2021 | CDFI Rapid Response Program | $1,278,385 |
| 2021 | Native American CDFI Assistance (NACA), Financial Assistance | $988,500 |
| 2020 | Native American CDFI Assistance (NACA), Financial Assistance | $1,000,000 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $800,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $448,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $373,000 |
| 2016 | Native American CDFI Assistance (NACA), Financial Assistance | $370,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $100,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $150,000 |
| 2013 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
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 | $14.4M |
|---|---|
| Total liabilities | $7.3M |
| Net assets | $7.1M |
| Total revenue | $3.9M |
| Notes and loans receivable, net (Part X line 7) | $10.2M |
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 27-3156259, filed as “NACDC FINANCIAL SERVICES 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) | $10.6M | $6.9M | $4.4M | $4.9M |
| Dec 2022 (990) | $10.9M | $5.7M | $2.7M | $8.8M |
| Dec 2023 (990) | $14.4M | $7.1M | $3.9M | $10.2M |
Total assets grew 35% from Dec 2021 to Dec 2023; notes and loans receivable rose 111%. 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 | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $14.4M | Larger than 48% 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 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 48% |
“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 Browning and Montana
- Clearwater Federal Credit UnionCredit union · Missoula, MTEnergy / solar / efficiency loans, Home mortgages, Personal / consumer loansVerified
- Grasslands Federal Credit UnionCredit union · Circle, MTAuto / vehicle loans, Equipment loans, Home mortgages, Small-business loansVerified
- Great Falls Development Authority, Inc.Loan fund · Great Falls, MTSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Montana Community Development CorporationLoan fund · Missoula, MTSmall-business loansVerified
- Montana Homeownership Network, Inc. TheLoan fund · Great Falls, MT · Native CDFIAffordable housing development loans, Home mortgagesVerified
- Peoples Partners for Community DevelopmentLoan fund · Lame Deer, MT · Native CDFIAgriculture / farm loans, Credit-builder loans, Personal / consumer loans, Small-business loansVerified
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