At a glance
From its website, read 2 Nov 2026Seneca Nation of Indians Economic Development Company is a loan fund based in Salamanca, New York. Its website describes home mortgages. Stated loan amounts run from $500 to $375,000.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (716) 945-7148 source |
|---|---|
| Website | www.sniedc.org |
| Office (official list) | 90 Ohi:yo Way PO Box 437, Salamanca, NY 14779 |
What their website says about applying
Contact SNIEDC office to arrange an appointment:
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 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Fixed Interest Rate* 4.5% 8.5% | source |
| Loans (general) | Term: see their wording | Term of Repayment up to 15 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
- Membership required
We offer business loans and financial services for startup and existing businesses of enrolled Seneca members.
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 Dec 2013 |
| RSSD ID | — (none listed) |
| Address | 90 Ohi:yo Way PO Box 437, Salamanca, NY 14779 |
| Website | www.sniedc.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 2 Nov 2026Read from 7 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: high. No online loan application was found on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | $10,000 – $200,000 | Home Equity Loans Approved $10,000 $200,000 | source |
Loan sizes
Micro Loans Approved $500 $50,000
sourceLoan Limits $75,000 $375,000
sourceHome Equity Loans Approved $10,000 $200,000
source
Range used for the size filter: $500 to $375,000
Service area
Not stated on the pages we read.
Borrower focus
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 (7)
- https://www.sniedc.org/
- https://www.sniedc.org/business-loans/
- https://www.sniedc.org/home-equity-loan/
- https://www.sniedc.org/financial-education/
- https://www.sniedc.org/business-loans/micro-business-loan/
- https://www.sniedc.org/business-loans/business-revolving-loan/
- https://www.sniedc.org/business-loans/commercial-mortgage-loan/
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What is the APR, including fees, on your home mortgages?
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 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$2.6 million in 8 awards from the U.S. Treasury's CDFI Fund, 2009–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,000,000 |
| 2019 | Native American CDFI Assistance (NACA), Technical Assistance | $125,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $200,000 |
| 2017 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $600,000 |
| 2010 | Native American CDFI Assistance (NACA), Technical Assistance | $22,318 |
| 2009 | Native American CDFI Assistance (NACA), Technical Assistance | $24,390 |
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)
Checked 3 Nov 2026The IRS lists this organisation under EIN 16-1448788 (“SENECA NATION OF INDIANS ECONOMIC DEVELOPMENT COMPANY”), but the IRS financial extracts of returns processed in 2022–2024 hold no Form 990 or 990-EZ with balance-sheet figures for it (checked 3 Nov 2026). Small organisations may file the 990-N postcard, which carries no financial figures, and a recent filing can still be in processing. Its filings on ProPublica Nonprofit Explorer
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $375,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 61% of these 184. |
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% |
“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.
Other certified CDFIs in Salamanca and New York
- ADIRONDACK ECONOMIC DEVELOPMENT CORPORATIONLoan fund · Saranac Lake, NYSmall-business loansVerified
- Alternatives Federal Credit UnionCredit union · Ithaca, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Amplify Equity, Inc.Loan fund · Elmira, NYSmall-business loansVerified
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
- BOC Capital Corp.Loan fund · Brooklyn, NYEnergy / solar / efficiency loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- BlocPower L.L.C.Loan fund · Brooklyn, NYEnergy / solar / efficiency loansVerified
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