You’ve successfully completed our incubator. Now, take the next step to achieve your vision.
Change Labs is committed to helping you get to the next step through startup capital.
What we offer our alumni
An opportunity to invest in your vision
Access the equipment or hire the support you need to get to the next level. Plus, get a free bank account for your business.
Loans of up to $10,000 — no collateral needed
No credit check, no fee, and no cost to apply. Create the financial infrastructure you need to secure future loans, investments, or grants.
Low interest payments
Pay 5% interest on your loan and begin repaying your loan 90-days after receiving your funds via auto-pay or check.
Robust financial education & coaching
Receive 15 hours of peer training and 7 months of coaching to strengthen your business foundation and achieve your goals.
Lending in action.
Kelsey Lee, Urian Lee, and Algernon Sakiestewa (Class of 2021) are the co-founders of Happy Accidents! Media Production, a Navajo-Hopi creative firm in Cameron, AZ. They share three reasons why other Navajo and Hopi entrepreneurs in need of operating capital should consider applying for a Kinship loan!
Ready to apply?
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The online application takes just a few minutes, but you will be asked to submit your business model canvas (or a business plan) and three years of financial projections. If you need help putting together these documents, scroll below to chat with a Change Labs Coach. Click here to download a PDF of the application to work on offline.
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The deadline to submit an application is September 23, 2023 at 11:59pm MDT. In order to receive your loan, all alumni must complete a 3-month financial education course with a cohort of 20 entrepreneurs that starts the week of October 9, 2023. Loans will be processed the week of October 30, 2023.
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We accept loan applications from alumni for amounts between $3,000 to $10,000. Your business plan should include the amount of money you plan to request and what you will use the funds for.
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If you’re accepted into the program, the training will kickoff the week of October 8th in Tuba City. Please note that loan funds will be disbursed the week of October 31st.
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Loan funds will be disbursed after two trainings and two coaching session, the week of October 31, 2023. Each approved applicant will receive their funds in a complimentary bank account with Nusenda Credit Union.
We’re here to help.
Find more funding
We regularly post grant and loan opportunities for Native-owned businesses and nonprofit organizations as well as other resources for rebuilding and strengthening your ideas.
Chat with a coach
Want to talk about your loan application? Need help preparing a financial statement? Our Kinship Lending team is available for virtual appointments.
