At a glance
From its website, read 2 Nov 2026Pacific Northwest Tribal Lending, a Community Development Financial Institution is a loan fund based in Bellingham, Washington. Its website describes small-business loans. Where it lends: Native entrepreneurs throughout Northwest Washington.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (360) 594-6004 source |
|---|---|
| Website | www.lummicdfi.org |
| Office (official list) | 12 Bellwether Way Suite 224, Bellingham, WA 98225 |
What their website says about applying
To apply for a loan, please fill out and return the Loan Application (Microsoft Word doc) via our contact form or give us a call at 360-594-6004 to set up an appointment for assistance.
sourcePlease be prepared to supply the following documents with your loan application:
sourceLast 2 years tax returns (individual and business, if applicable) other income verification such as fish tickets
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.
Who qualifies, in their words
- Business plan required
Business plan (outline in the application)
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) | 12 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | 12 Bellwether Way Suite 224, Bellingham, WA 98225 Directions (Google Maps) |
| Website | www.lummicdfi.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: medium. Loan terms appear only on the business lending page; no pages on other loan products were fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-business loans | up to $2,500 | Small Dollar Loans up to $2,500 - ask us about larger dollar business loans! | source |
Loan sizes
Small Dollar Loans up to $2,500 - ask us about larger dollar business loans!
source
Service area
Native entrepreneurs throughout Northwest Washington
Pacific Northwest Tribal Lending (formerly Lummi CDFI) is a Native CDFI serving Native entrepreneurs throughout Northwest Washington with business loans
source
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
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.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application 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$3.3 million in 11 awards from the U.S. Treasury's CDFI Fund, 2009–2024 (6 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $350,000 |
| 2022 | Small Dollar Loan Program | $87,738 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2021 | Native American CDFI Assistance (NACA), Financial Assistance | $700,000 |
| 2020 | Native American CDFI Assistance (NACA), Financial Assistance | $250,000 |
| 2019 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $350,000 |
| 2016 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $300,000 |
| 2014 | Native American CDFI Assistance (NACA), Technical Assistance | $149,961 |
| 2009 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $596,378 |
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)
Fiscal year ending Dec 2022| Total assets | $4.4M |
|---|---|
| Total liabilities | $886,588 |
| Net assets | $3.6M |
| Total revenue | $1.6M |
| Notes and loans receivable, net (Part X line 7) | $1.7M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2022 (tax year 2022; EIN 37-1525217, filed as “PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2023). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $3.3M | $2.6M | $944,031 | $1.2M |
| Dec 2022 (990) | $4.4M | $3.6M | $1.6M | $1.7M |
Total assets grew 33% from Dec 2021 to Dec 2022; notes and loans receivable rose 41%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $4.4M | Larger than 30% of the 10 other certified loan funds and venture funds in Washington with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Washington | 10 | larger than 30% |
“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. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Bellingham 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 Pacific Northwest Tribal Lending, a Community Development Financial Institution? Link to this page
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