GPHI created the Native Impact Fund (NIF) to expand access to housing capital solutions across Indian Country. This Native-led secondary market is built specifically for Native Community Development Financial Institutions (CDFIs) seeking flexible, mission-aligned financing.
NIF expands a Native CDFI’s lending capacity by purchasing performing housing loans, recycling their capital to finance more homeownership and development in their communities. Unlike traditional, more extractive models, which remove control from Native lenders, NIF allows Native CDFIs to retain servicing rights and underwriting control. The CDFIs preserve community relationships while unlocking much-needed liquidity. Rooted in the leadership and lived experience of Native communities, NIF is a first-of-its-kind, financing model that puts Native CDFIs in control of the capital process. It offers a community-led, culturally grounded approach designed to scale what works in Native markets and replaces rigid, outsider-driven systems.
With strong investor protections and a clear focus on Tribal self-determination and economic resilience, NIF is transforming how capital flows in Indian Country.