25 CFR § 103.4 - What kinds of loans will BIA guarantee or insure?

---
identifier: "/us/cfr/t25/s103.4"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "25 CFR § 103.4 - What kinds of loans will BIA guarantee or insure?"
title_number: 25
title_name: "Indians"
section_number: "103.4"
section_name: "What kinds of loans will BIA guarantee or insure?"
chapter_name: "BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR"
subchapter_number: "G"
subchapter_name: "FINANCIAL ACTIVITIES"
part_number: "103"
part_name: "LOAN GUARANTY, INSURANCE, AND INTEREST SUBSIDY"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "25 U.S.C. 1498, 1511."
regulatory_source: "66 FR 3867, Jan. 17, 2001, unless otherwise noted."
cfr_part: "103"
---


# 103.4 What kinds of loans will BIA guarantee or insure?

In general, BIA may guarantee or insure any loan made by an eligible lender to an eligible borrower to conduct a lawful business organized for profit. There are several important exceptions:

(a) The business must contribute to the economy of an Indian reservation or tribal service area recognized by BIA;

(b) The borrower may not use the loan for relending purposes;

(c) If any portion of the loan is used to refinance an existing loan, the borrower must be current on the existing loan; and

(d) BIA may not guarantee or insure a loan if it believes the lender would be willing to extend the requested financing without a BIA guaranty or insurance coverage.