Serving Siskiyou County since 2007
Growing strong communities — one loan at a time.
Five Rivers Loan Fund, Inc. provides affordable lending and financial services to low-income individuals, Tribal members, and small businesses who lack access to conventional financing. We’re here to help our community grow.
Banks say no. We start with a conversation.
Conventional lenders turn people away for thin credit files, seasonal income, or a business plan written on a kitchen table. We were created for exactly those borrowers.
We are a Community Development Financial Institution — a nonprofit lender certified to serve places the banking system has left behind. Our standards are flexible, our rates are fair, and the person reviewing your application lives in the same county you do.
What we lend
Loans designed to help you move forward — flexible funding for real-life needs.
Emergency loans
Fast support when unexpected needs arise — help when life cannot wait.
Business loans
Funding to start, strengthen, or expand your business. Fuel your business, grow your vision.
Consolidation loans
One payment. Less stress. More control. Simplify your debt and take a step forward.
Personal loans
Flexible funding for life’s important needs — support for the expenses that matter most.
Credit builder loans
Start small. Build strong. Move forward with confidence — your path to better credit starts here.
Not sure which loan fits?
Call us and describe what you need. We will point you to the right program — or tell you honestly if we are not the right lender for it.
Applying takes four steps
No online-only maze, no automated rejection. You can start on paper, by phone, or in person — whichever is easiest for you.
Talk to us
Call or stop by. We will tell you honestly whether we are the right fit before you fill out anything.
Submit your application
We will tell you exactly which documents to bring and help you gather them.
Local review
Your file is reviewed here in Siskiyou County by people who understand seasonal and rural income.
Funding and follow-up
Once approved, we release funds and stay available for the life of the loan.
Where we serve
Low-income individuals, Tribal members, and small businesses throughout Northern California — regardless of credit history or financial background.
- Happy Camp
- Orleans
- Somes Bar
- Fort Jones
- Yreka
- Etna
- Seiad Valley
- Scott Bar