With just 3,600 enrolled members and limited financial resources, the Pawnee Nation of Oklahoma faced a challenging question: How could they fund a multi-million-dollar behavioral health center to address the opioid crisis in their community? The answer came through a strategic partnership with Native American Bank, whose expertise in both tribal lending and New Markets Tax Credits made the seemingly impossible project possible.

"They weren't just a lender—they were a partner and an educator," explains Brian Kirk, Executive Affairs Director for the Nation. The bank stayed engaged throughout years of planning, helping the tribe blend tax credits with grant funding and tribal contributions to create a financing model that minimized debt while maximizing impact.

Now nearly complete, the center will provide culturally informed addiction treatment and mental health services while demonstrating that tribal nations of any size can build sovereign infrastructure with the right financial partners. As Joel Smith of Native American Bank puts it: "This is replicable. And we're here to help other tribes make it happen."

Difference Makers 2.0 is a new yearlong series that highlights how Native community development financial institutions (CDFIs) work alongside their small business clients to accelerate change and create economic opportunities in Native communities. Join the Native CDFI Network and Tribal Business News as they shine a spotlight on the people accelerating economic change in Indian Country. Read the stories here and be sure to tune into the Difference Makers 2.0 podcast.

When Quinault Nation elder Harvest Moon changed course from pursuing a medical career to becoming a basketweaver and storyteller, she found her true calling. With support from the Cedar Root Business Center, Moon has transformed her cultural artistry into a thriving business, sharing Quinault traditions with audiences ranging from schoolchildren to major corporations like Microsoft and REI.

Difference Makers 2.0 is a new yearlong series that highlights how Native community development financial institutions (CDFIs) work alongside their small business clients to accelerate change and create economic opportunities in Native communities. Join the Native CDFI Network and Tribal Business News as they shine a spotlight on the people accelerating economic change in Indian Country. Read the stories here and be sure to tune into the Difference Makers 2.0 podcast.

For Kelly Price, her grandmother's fry bread recipe was everything she loved about home. Six years ago, she made a batch to support a needy family in her community, an act of kindness that led her to quit her corporate job and launch Red Bone Indian Tacos. Today, she travels throughout Oklahoma, selling fry bread tacos from a food truck as she prepares to soon open the business's very first brick-and-mortar location.

Difference Makers 2.0 is a new yearlong series that highlights how Native community development financial institutions (CDFIs) work alongside their small business clients to accelerate change and create economic opportunities in Native communities. Join the Native CDFI Network and Tribal Business News as they shine a spotlight on the people accelerating economic change in Indian Country. Read the stories here and be sure to tune into the Difference Makers 2.0 podcast.