Who we are
A Native-led nonprofit CDFI dedicated to fostering economic growth and financial wellness among Indigenous and rural communities.
Our mission
To provide affordable lending and financial services to low-income individuals, Tribal members, and small businesses who lack access to conventional financing — fostering economic self-sufficiency and community development.
Our vision
A thriving, economically resilient community where all residents have access to fair financial services and the tools to build lasting prosperity for themselves and future generations.
What we stand for
Access before credit scores
A number does not tell us who you are or whether you will repay. We look at the whole picture.
Decisions made locally
Your application is read by neighbors, not by an algorithm in another state.
Cultural respect
We serve Tribal families and communities on their terms, with the care that relationship deserves.
Plain language
No fine print designed to confuse. If a term is unclear, we will keep explaining until it is not.
Patience
Rural and seasonal income does not fit a tidy template. We build terms around how you actually get paid.
Long-term relationship
We stay available after funding — through hard months as well as good ones.
Our team
Four people, one county, and a lot of miles between visits.
Teresa L. Boardman, MPA
Executive Director
Teresa leads our mission to provide accessible capital, ensuring every loan supports the long-term growth of Siskiyou County businesses. Her work centers on expanding opportunities for Native entrepreneurs, rural families, and small business owners seeking a path forward. With a strong background in financial coaching and rural economic development, Teresa is dedicated to helping families and entrepreneurs build stability and long-term success.
I-iecha B.
Loan Specialist
I-iecha provides dedicated support to applicants throughout the loan process, helping families and entrepreneurs navigate requirements with clarity and confidence. Her work focuses on building financial stability for rural and Tribal communities, ensuring each borrower receives respectful guidance and the resources they need to succeed.
Megan H. Merlin
Marketing Coordinator
Megan leads our outreach and communications efforts, ensuring that the mission, programs, and community impact of Five Rivers Loan Fund, Inc. are clearly represented across all platforms. Through thoughtful branding, community engagement, and clear information design, she helps residents, families, and entrepreneurs connect with the financial resources that support long-term growth and stability.
Rex Harrison
Housing Coordinator
Rex supports community members seeking stable, safe housing by guiding them through resources, applications, and housing-related financial assistance. With a calm, community-centered approach, his work strengthens families across Siskiyou County by connecting them with the tools they need for long-term housing stability.
The country we serve
Ready to talk?
Whether you are a first-time borrower, a small business owner, or a Tribal member, we are here to help. Our lending standards are flexible and our decisions are made locally.