Investing in Small Businesses

We offer a range of business loan products to help entrepreneurs in any stage of business development. Whether you are just starting up or are an established firm looking for a line of credit, we can help you.

Our business loans can be used for equipment and inventory purchases, working capital, acquisition of land or buildings, construction of buildings, and/or leasehold improvements for a commercial space.

Micro Loan (under $50,000)

The Micro Loan is a great financing solution for the beginning entrepreneur. It can provide the start-up capital necessary to launch a new small-scale business venture or to expand an existing business.
Terms: Interest Rates 8-10%, Length of Repayment up to 10 Years (based on collateral life)

Small Business Loan ($50,001 - $250,000)

Our Small Business Loan is a perfect solution for the entrepreneur looking to start or expand operations on a larger scale.
Terms: Interest Rates 6-8%, Length of Repayment up to 20 Years

Business Line of Credit

The Business Line of Credit can be used by existing businesses to meet cash flow needs.

Terms: Interest Rates 6-10%, Length of Repayment up to 12 months

Ag Business Loan (up to $250,000)

The Ag Loan is a great financing solution for beginning or existing ag producers. It can provide the start up capital necessary to launch a new operation or expand an existing one.

Terms: Interest Rates 6-8%, Length of Repayment up to 20 years (based on collateral life)

Ag Line of Credit

The Ag Line of Credit can be used by existing ag producers to meet cash flow needs to sustain operations.

Terms: Interest Rates 6-8%, Length of Repayment up to 12 months

Eligibility Guidelines

Four Bands’ loan fund program is available for Native American and permanent residents of the Cheyenne River Sioux Reservation, as well as enrolled tribal members who reside in the state of South Dakota.

Loan applicants may be required to complete our CREATE business training course and develop a business plan.

To start on your path of entrepreneurial growth, fill out our Customer Information Form and return it to us.

Success Stories

Supporting Youth Entrepreneurs in South Dakota
Supporting Youth Entrepreneurs in South Dakota

Kaiden White Bear uses business loan to grow his farrier business. Kaiden White Bear (Assiniboine and Sioux Tribes of Fort Peck) has been shoeing...

Meeting Market Demand
Meeting Market Demand

Jeremy Ferguson’s new business brings essential services to Cheyenne River. Pumping septic tanks probably isn’t the dream job most people hope to...

Seeking to Strengthen Local Markets
Seeking to Strengthen Local Markets

Next Generation of Agricultural Leaders Takes the Reins As Dace Harper and his partner, Mason Dietterle, wrap up their first month as new owners...

Celebrating the First Year in Business
Celebrating the First Year in Business

Native-Owned Restaurant on Lake Traverse Reservation Celebrates One Year One year ago, Nik (Sisseton Wahpeton Oyate) and Tracey Sing, were making...

Risk Transformed to Reward
Risk Transformed to Reward

Walt Swan Finds Success by Trying Again According to Bloomberg, 8 out of 10 entrepreneurs who start businesses fail within 18 months. For...

Creating Her Own Destiny
Creating Her Own Destiny

Michelle Antone Leaves Career as Financial Professional to Become Entrepreneur Michelle Antone (Cheyenne River Sioux) is celebrating her first...

Creating Her Own Opportunity
Creating Her Own Opportunity

Morgan Lawrence Builds a Business in Her Hometown After graduating from Cheyenne Eagle Butte High School in 2010, Morgan Lawrence, a lifetime...

Re-Discovering Life’s Simple Pleasures
Re-Discovering Life’s Simple Pleasures

  Robi Miller Starts Local Bakery with Support from Four Bands Today’s society is a far cry from the lifestyle our grandparents – or even...

Phone: 605-964-3687
Fax: 605-964-3689
Eagle Butte, SD 57625
412 S. Main Street