Who is Black Hills Community Loan Fund, Inc?

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We strive to help our clientele understand, grow and achieve their dreams of financial peace.

Start working towards your goals today.

Our Mission Statement

BHCLF is dedicated to creating financial opportunities for economically disadvantaged families who aim to strengthen their financial future in the Black Hills Region.

Our Mission Statement

BHCLF is honored to create opportunities for families to strengthen their financial well being in the He Sapa Region.

Who is Black Hills Community Loan Fund, Inc?

BHCLF is a 501 (C) 3 not-for-profit organization created by a group of individuals who wanted to give the people who have financial challenges an opportunity to obtain a home mortgage. BHCLF strives to provide those financial opportunities to those who are unable to access commercial loans from a commercial lender. BHCLF is a fully grant funded organization, funded by the Department of Treasury Native CDFI (Community Development Financial Institution) Program and private foundations who support their mission.


BHCLF is here to coach individuals and families along their journey towards financial independence through goal setting, financial education and credit building. BHCLF is not a pay-day loan provider, BHCLF is not a quick fix to a temporary problem, they are here, committed to their clients who are all dedicated to their own mission of obtaining a brighter future through their individual financial growth and development.

Services & Classes

              BHCLF focuses on financial education and provides a line of home ownership products designed specifically for families who do not have access to mainstream financial services. BHCLF understands being financially literate is the first major step towards personal financial success. Each of our loan products is accompanied with the requirement of our clients to attend one to three types of financial education depending on their credit history and type of loan product they are seeking. The financial education classes consist of Building Native Communities: Financial Skills for Families, an introduction to budgeting and planning for families; Pathways to Home Ownership: a class that leads you to the first steps of home ownership. Indianprenneurship: "A Journey into Native American Business", a class for entrepreneurs.

Building Native Communities:

Financial Skills For Families


        The course Building Native Communities: Financial Skills for Families is being offered monthly and is a total of six hours of class time. Attending this class is a requirement in order to receive a loan. When students successfully complete the course, they will have the tools needed to plan for their financial future. 

Pathways to Home Ownership


          Pathways to Home Ownership, a curriculum created by the Native American Indian Housing Council, is a six-hour class that leads you into the first steps of home ownership. This class is the beginning of a journey to bringing Native and non-Native communities sources they need to make home ownership a reality. Home-buyer education classes are a great tool for first time home buyers.


"A Journey into Native American Business"


              Black Hills Community Loan Fund takes the microloan process one step further by assisting small businesses with “Indianprenneurship”. Developed by Onaben, an entrepreneurial development service, Indianprenneurship is a comprehensive business training curriculum for tribal and native-owned small business owners.

What People are Saying

"BHCLF's Indianprenneurship class has truly empowered me to move forward with confidence, as I pursue my dream of starting my own business."

Sunny Red Bear

Contact us

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525 University Loop, Suite 200

Rapid City, SD 57701


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