Pacific Northwest Tribal Lending

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Pacific Northwest Tribal Lending Connecting native businesses & families to education, coaching & financial services.

The loans will be made to individuals and entities that otherwise may not have access to credit from other sources. At this time the loans may be made to *:
Members of the Lummi Nation
Residents of the Lummi Reservation
Other Native Americans and those private individuals and entities whose activities, with the lent funds, will accrue social or economic benefit to the Lummi Nation or residents of the Lummi Reservation.

Whether you’re thinking about starting a business or you’ve been at it for years, none of us has everything figured out....
10/15/2026

Whether you’re thinking about starting a business or you’ve been at it for years, none of us has everything figured out.

That’s what PNTL’s Success Coaches are here for: a knowledgeable sounding board when you have questions, ideas, challenges or simply aren’t sure what your next step should be.

Maybe you’re wondering: How should I structure my business? How do I keep better records? Am I charging enough? How do I manage employees? Where do I even start with marketing?

Or maybe it’s simply: “I know I need to do something differently. Can we talk it through?”

Absolutely. We’re here to provide Native entrepreneurs with practical, one-on-one guidance built around your business, your goals and where you are right now. No perfect business plan required. No business vocabulary test at the door.

Start with the question. We’ll go from there. Learn more: pntl.org/technical-assistance/

Numbers matter. Credit matters. Cash flow matters. Business plans matter. But they don’t tell the whole story.Behind eve...
10/14/2026

Numbers matter. Credit matters. Cash flow matters. Business plans matter. But they don’t tell the whole story.

Behind every application is a person. Behind every business is an idea, a family, a community, a challenge or an opportunity that can’t always be captured in a spreadsheet.

Twenty years of serving Native entrepreneurs has reinforced something we have believed from the beginning:

Good lending starts with listening. Understanding where someone is today, where they’re trying to go and what may be standing in the way allows us to do more than simply talk about a loan. It allows us to build a relationship. And relationships have always been at the heart of PNTL.

That question you think you should already know the answer to? Ask it. Seriously.Business and finance come with a whole ...
10/13/2026

That question you think you should already know the answer to? Ask it. Seriously.

Business and finance come with a whole vocabulary nobody hands you on Day One. Cash flow. Debt-to-income. Working capital. Credit utilization. Profit margins. Balance sheets.

And sometimes everyone else seems to understand what something means while you’re quietly thinking… “Okay, but what does that actually mean?”

Ask Adib.

He’s at the PNTL Saturday from 10–11 a.m. specifically so you can ask questions, follow up, probe a little deeper and make sense of the things that affect your business and finances.

No test. No judgment. No question too basic.

📍 PNTL Office, 12 Bellwether Way, Ste 224 in Bellingham
🕙 Saturday | 10–11 a.m.
💲 FREE

An hour. An experienced perspective. Your questions. Take advantage of it.

Indigenous businesses aren’t just part of today’s economy. They’re part of generations of ingenuity, resilience and comm...
10/09/2026

Indigenous businesses aren’t just part of today’s economy. They’re part of generations of ingenuity, resilience and community.

On Indigenous Peoples’ Day, we recognize the Native people, cultures and communities that have shaped this land for generations and continue building its future.

At Pacific Northwest Tribal Lending, we’re honored to work alongside Native entrepreneurs as they create businesses, build financial strength, provide jobs and bring new opportunities home to their communities.

Today and every day, we believe investing in Native people means investing in stronger generations to come.

PNTL will be closed Monday, October 12, in recognition of Indigenous Peoples’ Day.

Holiday market season starts before the holidays. If fall and winter markets, bazaars, community events or holiday pop-u...
10/09/2026

Holiday market season starts before the holidays. If fall and winter markets, bazaars, community events or holiday pop-ups are part of your business plan, October is a good time to get organized.

Before the busy season hits, check:
• Application and registration deadlines
• Booth fees and travel costs
• Inventory and supply needs
• Displays, signage and packaging
• Payment options
• Your pricing and profit margins
• How much inventory you can realistically make or purchase

And don’t forget the follow-up: make it easy for someone who discovers you at a market to find your business again afterward.

A busy market can make for a great sales day. A profitable market starts with planning before you set up the table.

Seriously. Ask him.You’ve got an experienced business and financial professional sitting at our office for an hour on Sa...
10/07/2026

Seriously. Ask him.

You’ve got an experienced business and financial professional sitting at our office for an hour on Saturday morning specifically to answer your questions.

Take advantage of it.

Ask about cash flow. Credit. Pricing. Business finances. Starting a business. Growing one. A decision you’re wrestling with. Or that financial term everyone else seems to understand and you’re still Googling.

Ask the first question. Then ask the follow-up. Probe a little. Dig deeper. Say, “Okay…but what does that actually mean for my business?”

That’s what the hour is for.

There are no wrong questions. You don’t need to prepare. And you don’t need to know the “right” way to ask.

Just bring what’s on your mind.

📍 PNTL Office at 12 Bellwether Way, Suite 224 in Bellingham
🕙 Saturday | 10 a.m.
💲 FREE

An hour. An experienced perspective. Your questions. Take advantage of it.

A little capital can go a long way when you’re getting ready for a busy season. More materials. More inventory. A new di...
10/07/2026

A little capital can go a long way when you’re getting ready for a busy season. More materials. More inventory. A new display. Booth fees. Packaging. Equipment.

For artists, makers, vendors and other small business owners, preparing for your next opportunity often means spending money before you make it.

A Small Dollar Loan from PNTL may help you cover those smaller business expenses and get ready for what’s ahead. Because sometimes growing your business doesn’t require a huge loan. It just requires the right amount at the right time.

Learn more and apply at https://pntl.org/business-lending/

A loan application. A new opportunity. A big purchase. A slow month. A chance to expand.These aren’t the moments you wan...
10/06/2026

A loan application. A new opportunity. A big purchase. A slow month. A chance to expand.

These aren’t the moments you want to discover you don’t really know what’s happening in your business.

You don’t have to be an accountant. But knowing what comes in, what goes out, what you owe, what you’re owed and what you actually have available gives you something every business owner needs: the ability to make informed decisions.

After 20 years of working alongside Native entrepreneurs, we’ve learned that good numbers aren’t just about bookkeeping.

They’re about being ready when opportunity knocks.

If you’re still mixing business and personal spending, this is your sign to start separating them. A dedicated business ...
10/02/2026

If you’re still mixing business and personal spending, this is your sign to start separating them. A dedicated business checking account and business card can make it much easier to:
• See what your business is actually spending
• Track deductible expenses
• Keep better records
• Understand your cash flow
• Prepare for tax time without digging through months of transactions

It doesn’t make bookkeeping exciting. But it can make running your business a whole lot simpler. Small steps create better business habits.

Address

12 Bellwether Way, Suite 224
Bellingham, WA
98225

Opening Hours

Monday 8am - 4:30am
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4:30pm

Telephone

+13605946004

Website

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