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High Quality Content by WIKIPEDIA articles! The Northcountry Cooperative Development Fund (NCDF) is a cooperative development fund based in Minneapolis, Minnesota. NCDF acts as a financial intermediary, obtaining deposits and investments from cooperative enterprises and their supporters and providing loans and other assistance to cooperative businesses. NCDF issues loans to consumer and worker cooperatives in 11 states of the Upper Midwest. NCDF provides training, technical assistance, and advisory services to cooperatives. NCDF was started in 1978 by Minneapolis food cooperatives after they experienced difficulty obtaining loans from conventional lenders.