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We've changed our name to Pacific Northwest Tribal Lending

We are excited to announce we are changing our name to Pacific Northwest Tribal Lending (PNTL). There has been a growing demand for access to financial tools and resources beyond Lummi Nation. While the entrepreneurs and community members of Lummi Nation will continue to be our priority, our mission includes support of all of the first peoples of the Pacific Northwest. This expansion strengthens the opportunities and shared prosperity for Native entrepreneurs, individuals, and families within the Lummi Nation, Whatcom County, and northwest Washington. It is an exciting time for change and growing our network. Read the full story here.

Welcome Fred Eningowuk, Director of Lending

After a nationwide search, we are pleased to announce Fred Eningowuk as our new Director of Lending! Fred has served on our board and is a strong advocate for our Native community. As our lending goals expand, he will lead our program into the future. Welcome to the team, Fred!


Read the full announcement: 


Our Native CDFI is culturally rooted based on indigenous values and principles created by the first peoples of the Pacific Northwest. This intersection of values honors Native Americans and their surrounding communities with the understanding of spiritual, family, and sharing of our gifts concept among Pacific Northwest tribal peoples. 

Five Core Values

  • Positive Approach and Welcoming Environment.

  • Honor Our Tradition and All Its Gifts.

  • Honoring Diversity.

  • Resilience and Adaptability.

  • Accountable and Responsible.

Thriving Into the Future

Pacific Northwest Tribal Lending (PNTL), a CDFI, offers a trusted, safe place for tribal members who are considering entrepreneurship, building a business and/or strengthening their credit by providing access to education, financing, and asset growth, in order to improve the prosperity and well-being of Native American families. 

PNTL is able to offer these opportunities, based on Native Community values, and from community members who understand from the inside – out. This community-based perspective informs all actions and decisions of LCDFI and establishes a cooperative working atmosphere with all who partner and/or engage.


Who We Are Today 

Since inception in 2006, our vision set out to create "a vibrant, resilient economy supporting

our community’s spiritual and economic


Our non-profit Native CDFI has focused on

serving the tribal small business and

entrepreneurs beginning within

Lummi Nation and extending into

the region. PNTL was established because
there was a need recognized in the

community for access to capital for tribal small business, and for Native individuals and families

to establish and build credit and

financial wellness based on traditional,

cultural and community values.




PNTL has the following credentials:

  • Chartered as a Non-profit corporation under Washington State in May 2006

  • Certified as a Native CDFI in 2008 and a Community Development Entity (CDE) in 2016 by the US Department of Treasury

  • Designated a Non-profit 501 (c)(3) corporation in January 2012






With the CDFI loan, I was able to increase my inventory and purchase a van to help me carry the gifts and flowers...I was able to travel to sell my products at different reservation gatherings. Thank you Pacific Northwest Lending...

Jean Cultee, Jean's Gift Shop and Lummi Member


I would like to attribute my success to my strong faith in God. The doors of opportunity have opened. After a years worth of careful business planning, praying, and utilizing the resources available to me..., I am proud to have the opportunity to own my own business and provide for my family...


Roy Finkbonner, Roy Finkbonner Trucking and Lummi Member



I have utilized Pacific Northwest purchase my commercial fishing boat. My intention was to use th boat for commercial crabbing. As it turned out, I was able to use it for commercial halibut, prawns, and salmon. With the help of the CDFI program, I was able to enter the tribal commercial fisheries and gain valuable experiences.


Tim Ballew II, Commercial Fisheries and Tribal Member


Cideahzia 2_edited.jpg

Cideahzia Barnes, owner of The Sanctuary Salon has taken her passions and skills as an esthetician into having three spaces in the Lummi Te’Ti’Sen Center’s Native small business incubator. She has grown, small step by small step, to where she is able to provide for her family – on her own terms. She is a great example of tenacity.

From our 2015 Economic Summit

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