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.
Loans up to $10,000
Check your eligibility
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You are at least 18 years old and an enrolled member of the Navajo Nation and/or Hopi Tribe.
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We give priority given to businesses located on the Navajo or Hopi nations. However, any entrepreneur within Arizona, New Mexico, Utah, or Colorado may apply.
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You should identify as a business owner, artisan, vendor, or nonprofit leader and can show how you will use the funds to invest in your business or organizational vision. You’re either already in operation or ready to startup!
Network building
Opportunities to engage with other inspired entrepreneurs in your community to grow your business
Executive coaching
Access to a business coach to help you set and achieve your financial goals
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
Build on trust
No collateral needed, just kinship
No credit check, no fee, and no cost to apply
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.
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.
Get 1:1 support from a coach
Want to talk about your loan application? Need help preparing a financial statement? Our Change Labs team is available for virtual appointments.
Build your financial knowledge
We’re offering free, public workshops covering bookkeeping basics, financial statements, and more topics relevant to your loan application.
