Loan Programs

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Community Investment Fund (CIF) loans are for large infrastructure projects. These loans have been in the $500,000 to $1.8 million range and are available to government and non-profit organizations. Typical interest rates are 3 to 5%.

Matching Funds

There are no matching funds required.


Non-profit organizations and government entities located in Humboldt County are eligible to apply. Private businesses with a project idea are encouraged to contact the Headwaters Executive Director for connections to potential public partners.

Application Process

Applications are accepted on an ongoing basis. Applications will be submitted to the Headwaters Fund Board (HFB) for review on a first come first serve basis. This process can take up to two months after the date of the application. Before final decisions are made, the HFB may ask for an oral presentation or ask staff to follow up with specific project questions. Submit the following:

Approval Process

The HFB will recommend projects and award amounts to the Board of Supervisors. Successful proposals may receive funding recommendations below requested levels. The Board of Supervisors makes the final determination on all grant awards. In a typical grant round, it can take up to 4 months from grant submission to award determination. Grant applicants will be notified of their status after HFB’s first review.

Successful CIF Loan Application

Airport Runway Loan

  1. Headwaters Fund

    Physical Address
    825 5th St. #112
    Eureka, CA 95501

    Fax: 707-445-7219

  2. Ryan

    Ryan Heitz

    Economic Development Coordinator

  3. Tanner

    Tanner Etherton

    Economic Development Specialist

  4. Shay Duarte

    Shay Duarte

    Administrative Analyst