At a glance
From its website, read 2 Nov 2026Jamestown S'Klallam Tribal Capital, Incorporated is a loan fund based in Sequim, Washington. Its website describes credit-builder loans, microloans, personal loans and 1 other loan type. Stated loan amounts run up to $250,000. Where it lends: Tribal and adjoining rural communities of the Olympic Peninsula. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (360) 460-6890 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.jamestowncapital.org |
| Office (official list) | 123 N Sequim Ave #10, Sequim, WA 98382 |
What their website says about applying
Loan applicant must complete ALL of the boxes on the enclosed application.
sourceSign and date the application.
sourceReturn all information to the JST Capital office, 123 N. Sequim Ave., Sequim, WA. 98382.
source30- day current paystubs or other source of income
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Credit-builder loans | Rate stated, not as an APR: see their wording | will be fixed between 5% – 10% for the term of the loan | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
which are either unsecured or secured by marine vessels (fishing boats), equipment, vehicles or other personal property
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 16 Jan 2025 |
| RSSD ID | — (none listed) |
| Address | 123 N Sequim Ave #10, Sequim, WA 98382 Directions (Google Maps) |
| Website | www.jamestowncapital.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The microenterprise maximum loan size conflicts between pages ($20,000 on the home page, $30,000 on the microenterprise page), so no microloan amount is given. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | We provide small business, microenterprise, and consumer (credit builder) loans, which are either unsecured or secured by marine vessels (fishing boats), equipment, vehicles or other personal property. | source |
| Microloans | — | Supporting Start-up and existing small businesses access capital. | source |
| Personal / consumer loans | — | Personal, education and emergency loans are available to enrolled citizens of the Jamestown S’Klallam Tribe age 18 or older. | source |
| Small-business loans | up to $250,000 | Maximum loan amount $250,000 | source |
Loan sizes
Maximum loan amount $250,000
sourceMaximum loan size is $20,000.
sourceMaximum loan size is $30,000.
source
Range used for the size filter: not stated to $250,000
Service area
Tribal and adjoining rural communities of the Olympic Peninsula
with emphasis on the Jamestown S’Klallam Tribe and its citizens as well as underserved people and residents of the Olympic Peninsula.
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Personal, education and emergency loans are available to enrolled citizens of the Jamestown S’Klallam Tribe age 18 or older.
source - Rural
Focusing on Tribal and Adjoining Rural Communities.
source - Startups
Small and startup businesses that do not typically qualify for traditional financing.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://jamestowncapital.org/
- https://jamestowncapital.org/consumer-loans/
- https://jamestowncapital.org/small-business-loans/
- https://jamestowncapital.org/business-credit-application/
- https://jamestowncapital.org/microenterprise-loans/
- https://jamestowncapital.org/jstc-loan-application/
- https://jamestowncapital.org/contact-us/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($250,000) but no minimum. - What is the APR, including fees, on your credit-builder loans and personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$450,000 in 3 awards from the U.S. Treasury's CDFI Fund, 2020–2022 (Native American CDFI Assistance (NACA), Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2021 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2020 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Checked 3 Nov 2026The IRS lists this organisation under EIN 83-4524150 (“JAMESTOWN SKLALLAM TRIBAL CAPITAL INC”), but the IRS financial extracts of returns processed in 2022–2024 hold no Form 990 or 990-EZ with balance-sheet figures for it (checked 3 Nov 2026). Small organisations may file the 990-N postcard, which carries no financial figures, and a recent filing can still be in processing. Its filings on ProPublica Nonprofit Explorer
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology.
Other certified CDFIs in Sequim and Washington
- Canopy Federal Credit UnionCredit union · Spokane, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Chehalis Tribal Loan FundLoan fund · Oakville, WA · Native CDFIAuto / vehicle loans, Credit-builder loans, Equipment loans, Home repair / improvement loans…Verified
- Denkyem SPCLoan fund · Renton, WAVerified
- Express Credit UnionCredit union · Seattle, WAPersonal / consumer loansVerified
- Great NorthWest Federal Credit UnionCredit union · Aberdeen, WAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Harborstone Credit UnionCredit union · Lakewood, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Jamestown S'Klallam Tribal Capital, Incorporated? Link to this page
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