Build your financial freedom, build your dream.
Kinship Lending is for Navajo and Hopi business owners, artisans, and entrepreneurs working to build a healthy financial foundation.
What we offer
Financial skills & tools
Check out our loan readiness workshops to strengthen your application and business foundation
Create the financial infrastructure you need to secure future loans, investments, or grants
Free business bank account
Executive coaching
Access to a business coach to help you set and achieve your financial goals
Network building
Opportunities to engage with other inspired entrepreneurs in your community to grow your business
Loans up to $10,000
No collateral needed, just kinship
No credit check, no fee, and no cost to apply
Lending in action.
Navajo small business owner and craftsman, Damien Jones, shares his perspective on Kinship Lending and the insights he had about his own business and role after working with coaches and a peer community.
How it works
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Fill out the pre-application
Click here to tell us who you are, what business or nonprofit you run, what you need funds for, and name three people who can recommend you for a loan.
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Interview with Change Labs
Spend 30-45 minutes with a Change Labs coach to talk through your financial goals and your plans for the loan.
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Receive your funds.
If you’re approved for a loan, you will receive your loan proceeds via a complimentary bank account.
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Repay your loan.
Leverage our resources and coaching to support your repayment plan 90-days after you receive your funds.
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Earn a reward.
Make consistent on-time payments and earn a reward!
We are committed to your success.
We believe in you and your vision and want to help you build a strong Native economy. Plus, every successful payment you make is another dollar we can invest in the next artisan, entrepreneur, or change maker.
Affordable monthly payments.
Pay 5% interest on your loan to finance equipment, staff, materials, rent, or whatever you need.
Tailored business support.
Work one-on-one with a coach for seven months who will support you on your entrepreneurial journey.
Am I eligible?
There are three simple criteria to apply to Kinship Lending.
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You are an enrolled member of the Navajo or Hopi tribe and residing on Native land or within a 25-mile radius.
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You are a business owner, artisan, vendor, or nonprofit leader who will use the funds to invest in your vision.
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You commit to leverage our workshops, coaching, or financial education classes to get your business ready for a loan and/or support with repaying your loan.
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.
