At a glance
From its website, read 29 Oct 2026Wisconsin Native Loan Fund, Inc. is a loan fund based in Lac du Flambeau, Wisconsin. Its website describes auto loans, home repair loans, microloans and 3 other loan types. Where it lends: Indian reservations across Wisconsin. It serves borrowers in Language assistance on request.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (715) 588-1600 source |
|---|---|
| Website | www.winlf.org |
| Office (official list) | P.O. Box 580, Lac du Flambeau, WI 54538 |
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) | 10 May 2013 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 580, Lac du Flambeau, WI 54538 |
| Website | www.winlf.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: medium. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | • Automobile | source |
| Home repair / improvement loans | — | Housing We offer comprehensive housing loans designed to help you achieve your dream of homeownership. We also offer loans for home repair, improvement, and down payment assistance. We ensure that you find the perfect l… | source |
| Microloans | — | • Micro Business | source |
| Home mortgages | — | Learn More Mortgage& | source |
| Personal / consumer loans | — | Consumer Loans | source |
| Small-business loans | — | Business Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Indian reservations across Wisconsin
By providing affordable lending opportunities and development services on each Indian Reservation, WINLF is increasing the self-sufficiency in Tribal members across the state.
source
Statewide: Wisconsin
Borrower focus
- Native American / Alaska Native / Native Hawaiian
of Wisconsin Native American Communities
source
Languages
- Language assistance on request
WINLF is committed to supporting people of all languages and abilities in accessing our products and services.
source
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 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair 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 microloans and 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$8.7 million in 16 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), Financial Assistance | $1,800,000 |
| 2022 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Native American CDFI Assistance (NACA), Financial Assistance | $1,000,000 |
| 2020 | Native American CDFI Assistance (NACA), Financial Assistance | $540,000 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $400,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $450,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $861,333 |
| 2016 | Native American CDFI Assistance (NACA), Financial Assistance | $500,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $250,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $250,000 |
| 2012 | Native American CDFI Assistance (NACA), Technical Assistance | $140,105 |
| 2011 | Native American CDFI Assistance (NACA), Technical Assistance | $141,350 |
| 2010 | Native American CDFI Assistance (NACA), Technical Assistance | $82,280 |
| 2009 | Native American CDFI Assistance (NACA), Technical Assistance | $148,235 |
| 2007 | Native American CDFI Assistance (NACA), Technical Assistance | $138,970 |
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 | $8M |
|---|---|
| Total liabilities | $3.1M |
| Net assets | $5M |
| Total revenue | $2.3M |
| Notes and loans receivable, net (Part X line 7) | $6M |
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 43-2116172, filed as “WISCONSIN NATIVE 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 |
|---|---|---|---|---|
| Dec 2021 (990) | $5.7M | $3.6M | $1.4M | — |
| Dec 2022 (990) | $7.5M | $4.1M | $2.4M | $3.6M |
| Dec 2023 (990) | $8M | $5M | $2.3M | $6M |
Total assets grew 42% from Dec 2021 to Dec 2023. 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 | $8M | Larger than 27% of the 11 other certified loan funds and venture funds in Wisconsin with a matched Form 990 (median $14M). |
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 Wisconsin | 11 | larger than 27% |
“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 Lac du Flambeau and Wisconsin
- Brewery Credit UnionCredit union · Milwaukee, WIAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- CoVantage Credit UnionCredit union · Antigo, WIHome mortgagesVerified
- Community Assets for PeopleLoan fund · Stevens Point, WIAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…Verified
- First American Capital Corporation, Inc.Loan fund · Hale Corners, WI · Native CDFIMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Forward Community Investments, Inc.Loan fund · Madison, WICommercial real estate loans, Nonprofit / community facility loans, Small-business loansVerified
- Habitat for Humanity International, Inc. d/b/a Habitat for Humanity of Dane CountyLoan fund · Madison, WIHome mortgagesVerified
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