GRANT · HOW TO WIN THIS
Varies; loan amounts determined case by case.
Rolling submissions — no fixed deadline.
FUNDING TYPE
CDFI, Loan
CAN YOU GET THIS?
YOUR REAL ODDS
Specific approval rates are not published, but as a CDFI lender they exist to serve applicants who may not qualify through conventional banks.
Rolling submissions mean there is no competitive cohort or single deadline, which reduces timing pressure. Loan amounts and terms vary and are not publicly specified, so expect a case-by-case underwriting process.
WHAT IT TAKES
Confirm your business is located in their four-county service area — 30 minutes
Contact NPHS directly by phone or through their website to discuss loan eligibility and available products — 1–2 hours
Prepare standard loan documentation (business financials, purpose of funds, ownership details) — 1–2 weeks
WORTH KNOWING
NPHS primarily operates as a housing and homeownership organization; their small business lending appears to sit within their broader CDFI and community enterprise work, so frame your application around community economic benefit where possible.
MORE LIKE THIS
Community 1st Credit Union
Varies; loan terms depend on business type and credit profile.
Iowa-based small businesses and startups can apply for business loans through this CDFI credit union on a rolling basis.
Afena Federal Credit Union
Varies; personal and business loans from $200 up to undisclosed amounts depending on product.
Small businesses and startups in Indiana can access loans through this CDFI credit union, with no stated identity restrictions.
The Bridgeway Federal Credit Union
Varies; specific loan amounts not published.
Small businesses and startups in Alabama can apply for loans on a rolling basis through this CDFI credit union.
$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.
Explore the funding database →
$19/month · cancel anytime