Le somme erogate dal Fondo sono utilizzate per ridurre il tasso d'interesse sui prestiti concessi da un mutuante locale (banca, cassa di risparmio, cassa mutua, servizio di credito agricolo) che richiede la partecipazione della Bank of North Dakota (BND), banca pubblica di proprietà dello Stato del North Dakota.
Monies in the fund are used to reduce the borrower's interest rate on loans made by a local lender and the Bank of North Dakota (BND), which is a public entity owned by the state of North Dakota. The loan is handled through a local lending institution — bank, savings and loan, credit union, or farm credit services — which will request the participation of BND.