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.
NIF is a strong fit for Native CDFIs with a robust loan pipeline but limited lending capital, those needing flexible housing loan liquidity, or those unable to access long-term capital below 3.5%. It’s also well-suited for Native CDFIs that want to retain full control over underwriting and borrower relationships, and are ready to manage diversified, unrestricted revenue streams.
NIF purchases individual or bulk housing loans of any term, as long as the loans are performing: 10-year home improvement loans, 30-year mortgages, or seasoned mortgage loans with a shorter loan term balance.
Yes. You control what loans you sell, when, and how many. One-off or bulk sales are welcome.
No. GPHI underwrites the institution, not individual loans. Your underwriting approach stays intact.
Not at all. You retain all servicing rights and borrower relationships, and also earn a fee.
Lenders can immediately redeploy this capital to meet strategic orgnizational goals—primarily for relending, with the potential to also fund operations, strategic growth, or other organizational priorities.
Yes. If a loan defaults, you repurchase it. That’s why you must maintain a loan loss reserve policy.
It’s Native-led and aligned with Native values and realities, unlike traditional, restrictive options.
NIF offers fully amortized quarterly financial returns, typically 2–3%, depending on terms.
GPHI will reserve six months of loan payments to ensure that payments to investors can be made even if the loan payments are delinquent. If a loan defaults, the Native CDFI will repurchase it. To ensure the lender has the capacity to repurchase defaulted loans, the CDFI will follow its established loan loss reserve policy, a second protection for investors.
You’re investing in a pool of performing loans. Your collateral is the revenue stream, backed by a recourse loan investment structure.
Your investment in NIF expands affordable housing in Native communities, channels flexible capital to experienced, impact-driven Native CDFIs, and supports community-led lending rooted in local relationships.
Yes. NIF facilitates mission-aligned investments and opportunities to comply with CRA obligations.
Whether you’re a Native lender ready to expand or an investor seeking competitive returns aligned with impact investment, we invite you to be part of this movement.
Contact: Desmond Bruguier, Executive Director, [email protected].