Episode 1 explores how Native CDFIs emerged from a long history of tribal economic systems, legal sovereignty, and policy reform — and why they are tools of nation-building, not diversity programs.

Difference Makers 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.

Difference Makers 3.0 is a yearlong podcast series from the Native CDFI Network and Tribal Business News that explores how Native community development financial institutions (CDFIs) are reshaping the future of tribal economies — one loan, one partnership, one bold idea at a time.

This season, the podcast moves beyond small business stories to spotlight the full spectrum of what Native CDFIs do — from consumer lending to homeownership, credit repair to capital stacking — and why they matter more than ever.

Through in-depth interviews with Native CDFI leaders, funders, tribal partners, and clients, Difference Makers 3.0 traces the movement’s history, the policy fights shaping its future, and the collaborations that are helping Native CDFIs grow their impact and build long-term capacity.

Difference Makers 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.

In the season finale of Difference Makers 2.0, host Elyse Wild revisits Native entrepreneurs nearly a year after their first interviews to see how their businesses have grown—and how Native CDFIs continue to fuel their success. From rebuilding after Hurricane Helene to expanding RV repair services and turning a beloved food truck into a brick-and-mortar restaurant, these stories highlight resilience, innovation, and the critical role of Native CDFIs in strengthening small businesses across Indian Country.

Difference Makers 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.

Pete Upton, CEO of Native CDFI Network, warns of an "existential threat" to the NACA program—the only federal funding stream specifically for Native CDFIs. With 86% of this year's funding at risk and potential complete elimination next year, 69 Native CDFIs serving banking deserts across Indian Country could lose their lifeline. The stakes? 46% of Native lands are banking deserts (12x the national average). Without Native CDFIs, there are no small business loans, no home loans, no economic development. But there's hope. Pete outlines solutions including a $50 million Treasury set-aside and leveraging SSBCI funds. He's calling for a seat at the table with the new administration to find common ground. "Native CDFIs are about economic freedom, not dependency—building businesses, creating jobs, keeping government out of the way where possible."

Difference Makers 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.

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 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.

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 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.

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 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.

At the 5th annual Native CDFI Summit in Washington, D.C., Difference Makers host Elyse Wild caught up with Native CDFI leaders who are transforming their communities through small business support. From NACDC Financial Services' strategic property acquisitions in Montana to MNI Sota Fund's ambitious $19 million campaign in Minneapolis, these executives shared how they're creating spaces, opportunities, and pathways to success for Indigenous entrepreneurs. Through business incubators, expanded loan funds, and innovative programs, Native CDFIs are proving that strong small businesses build strong communities. Read their stories and get a glimpse of what's ahead for these difference makers in Indian Country.

Difference Makers 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.