Investing in Projects for Economic and Community Development in Humboldt County.

Greg Dale standing in an oyster bed.
A $200,000 grant went to the Harbor District to pre-permit the bay for local oyster farmers. Pictured here Greg Dale from Coast Seafoods.

Our purpose:

  • To support the growth of industry clusters
  • To increase the number of sustainable jobs that pay at or above the median income
  • To enhance the quality of life for residents of Humboldt County through projects that promote healthy communities and protect and enhance the natural environment

We offer loans and grants via the following five programs: 

The Grant Fund supports projects benefiting industry clusters with the goal of increasing the number of private sector jobs.

The Community Investment Fund provides loans for large infrastructure projects that will result in permanent and tangible economic benefit to the community. There is approximately $2.5 million in the fund.

The Revolving Loan Fund makes loans to businesses and non-profit organizations,  providing gap financing to those not fundable by the traditional banking system. $8 million has been allocated to this fund.

Grant Initiatives are pro-active funding programs initiated by the Headwaters Fund Board  in response to a need identified by the business community. Initiatives are funded through interest earned on loans.

Mini-grants are awarded in support of community events and innovative projects which positively impact Humboldt’s economy, usually in the $1,000 to $1,500 range.

All programs require matching funds ranging from 25% to 75% of the project budget. See specific program guidelines for details.

Projects which relate to a key strategy in the current Economic Development Plan will be given priority. This plan is available at: North Coast Prosperity 

For more information on the Headwaters Fund, email