Native CDFIs know their communities. Turning that knowledge into a sustainable lending program takes testing, discipline and the right systems.

In this episode of Difference Makers 3.0, host Brian Edwards talks with Pamela Boivin of the Native CDFI Network and Sheila Herrera, executive director of Tiwa Lending Services, about NCN’s FORGE Certificate Program.

Boivin explains how FORGE helps Native CDFIs assess demand, pricing, staffing, underwriting, risk and capital before launching or refining a lending product. The goal is to develop a repeatable process that strengthens the organization alongside the loans it offers.

Herrera shares how Tiwa is applying those lessons to a small business lending program shaped by young entrepreneurs’ ambitions and conversations with tribal leaders. She describes lending to a local bread maker, recognizing the need for consistent loan pricing and learning from other Native CDFIs. That work has also prompted her to revisit Tiwa’s home loan policies.

As Boivin puts it, FORGE is helping Native CDFIs develop “muscle memory” — the capacity to respond to community needs again and again.

Resources and Links

Native CDFI Network

NCN FORGE Certificate Program

Tiwa Lending Services — About

Tiwa Lending Services — Loan Programs

Tiwa Lending Services — Financial and Homeownership Education

Difference Makers explores how Native community development financial institutions (CDFIs) are expanding economic opportunity across Indian Country. From small business lending and homeownership to consumer loans, financial education, and technical assistance, Native CDFIs provide the capital and support that help Native communities build stronger local economies.

Join the Native CDFI Network and Tribal Business News as they spotlight the people, partnerships, and ideas driving economic change in Native communities.