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Welcome to the Siletz Tribal Business Corporation Business information center. Here you will find Business Resource to help you plan, organize and gain a deeper understanding of your business needs. We also have helpful templates to assist you planning and organizing your business finances. Please feel free to click around.


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Tribal Business Spot Light

Cearley Construction, LLC

Owner: Jeremy Cearley

Tribe: Confederated Tribes of Siletz Indians

Cearly Construction has specialized in residential foreclosures for over 6 years. In 2008 they started working with the Confederated Tribes of Siletz Indians doing residential repairs and remodels. That relationship grew and in 2010 they signed contracts to build a 19 unit apartment complex in Siletz Oregon. That project was completed 1 month ahead of schedule. They also built out the Salem Tribal Flex space for Aramark Uniform Company. Cearley Construction is currently looking to expand into more Tribal communities throughout Oregon and Washington.

Cearley Construction Logo www.cearleyconstruction.com
PO Box 1333
Estacada, OR 97023
PH:503-984-1147
Email: jeremy@cearleyconstruction.com

CTSI Education Assistance

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Siletz- Education Specialist
Alissa Lane 541-444-8373

Portland - Education Specialist
Katy Kaady 503-238-1512

Eugene - Education Specialist
Nick Sixkiller 541-484-4234

Salem - Education Specialist
Sonya Moody-Jurado 503-390-9494

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Oregon Coast Community College

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For businesses in Lincoln County and for those considering starting or buying a new business, OCCC's Small Business Development Center (SBDC) can help. They offer free small business counseling to start-ups and established businesses, business development training, information and referral, and a Small Business Management program.

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Linn-Benton Community College

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Linn-Benton Community College trained and experienced Business Advisors are committed to bringing you free, confidential, one-on-one business advising whether you are already in business or just starting one.

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Chemeketa Community College

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The Chemeketa Community College Small Business Development Center offers a range of programs and services designed to help you improve your management skills and the profitability of your business. Confidential, one-on-one business advising is available at no cost to you.

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Oregon Native American Business and Entrepreneurial Network (ONABEN)

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A nonprofit, public-benefit corporation created by Northwest Indian Tribes to increase the success of private businesses owned by Native Americans. ONABEN offers training and support focused on developing entrepreneurship in Indian communities. Programs are available to any Native American (regardless of tribal affiliation) and services are provided at local sites.

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Small Business Administration

Small Business Administration

Since its founding on July 30, 1953, the U.S. Small Business Administration has delivered millions of loans, loan guarantees, contracts, counseling sessions and other forms of assistance to small businesses.

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Oregon Association of Minority Entrepreneurs

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OAME is a non-profit, tax exempt organization with a mission to promote and develop entrepreneurship and economic development for ethnic minorities in the State of Oregon & SW Washington.

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Office of Minority, Women and Emerging Small Business

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The Office of Minority, Women and Emerging Small Business (OMWESB) administers the Disadvantaged Business Enterprise (DBE), Minority Business Enterprise (MBE), Women Business Enterprise (WBE) and Emerging Small Business (ESB) certification programs. These programs are designed to promote economic opportunities for small businesses.

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Business Oregon

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Business Oregon works to create, retain, expand and attract businesses that provide sustainable, living-wage jobs for Oregonians through public-private partnerships, leveraged funding and support of economic opportunities for Oregon companies and entrepreneurs.

Oregon Business Xpress

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The 2011 Oregon Legislative Assembly passed House Bill 3247, calling for a “One Stop Shop for Business” online portal to be established to provide resources for starting, expanding and operating a business in Oregon or relocating a business within or to Oregon.

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Oregon Small Business Development Center

courses, training, resources, programs and business advisors to help you with starting a small business in Oregon. Our 19 Small Business Development Centers (SBDCs) across Oregon offer a full range of services and information for small businesses of all types. We are a resource team that can help you in many ways, and we’ve been helping new and existing business owners for more than 30 years.

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Business Types

Each type of busi​ness structure has advantages and disadvantages. You can operate a business:

  • By yourself - sole proprietorship.
  • With another person - general partnership.
  • As a separate legal entity corporation, limited liability company, limited liability partnership or limited partnership.
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Free Annual Credit Report

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Under Federal Law everyone is entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies - Equifax, Experian and TransUnion. This free credit report can be requested through the website linked below, by phone or by mail. Be aware that many websites offer to give you a "free" credit report by signing you up for a "free" trial offering a monthly based monitoring service that automatically begins charging your credit card after a short free trial period. There is no reason to pay any fee for your free annual credit report. If you decide to run more than one credit report in a 12 month period there may be applicable fees.

Free Credit Report

Credit Karma

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Credit Karma ™ is a completely free pro-consumer service dedicated to demystifying the credit landscape. With our credit simulators, free credit scores, credit advice, and credit score comparisons, our goal is to empower consumers to more actively manage their credit and their financial health.

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Helpful Templates

You can visit www.bplan.com to get more Business Plan ideas and examples.

Sample Business Plan

STRCP's ovearching goal is to provide loans to raise the social and economic status, as well as credit worthiness, of members of the Confederated Tribes of Siletz Indians to a point where they can secure adequate financing on reasonable terms from another lender, and to finance developments for which other financing is not available through education and credit rehabilitation.

Another part of STRCP's (and STBC's) mission is to help fascilitate the development of Siletz Tribal Business Entrepreneurs, whether they want to start a small business or already own a large business or want to improve their credit score. STBC and STRCP believes every Siletz Tribal Member is a partner and leader of a larger dynamic Tribal economy. By fostering new entrepreneurs and providing tools to existing entreprenuers, we at STBC and STRCP are here to assist the ongoing economic development and advancement of the Confederated Tribes of Siletz Indians.

Please don't hesitate to contact us if you have questions regarding the Siletz Tribe Revolving Credit Program or any questions related to business development.

Debt to Income

Your debt to income ratio (DIR) is determined by your monthly income and your monthly expenses (bills). It helps to determine the capacity an applicant has to repay any borrowed funds. To calculate your DIR, first you total all your monthly expenses and divide that by your monthly income and multiply that figure by 100 to find your percentage of debt to income. You can calculate your DIR using the equation below:

Total of monthly expenses / monthly gross income x 100 = %

Example: you have $925.00 of monthly bills and your monthly income is $2,500.00
925.00/2,500.00 x 100 = 37%

Try our Debt to Income ratio calculator:  Debt To Income Ratio Calculator

Monthly Payment Calculator

Before applying for a loan whether through STRCP or another financial institution try our payment calculator to estimate your monthly payment:

Understanding total repayment cost to you

It is important to understand the total interest you will be required to pay in addition to the principal.

For example: If you take out a STRCP consumer loan of $3,030.00 with a 24 month repayment term with a 8% interest rate:

  • Your monthly payments will be approximately $137.22.
  • Total interest you will pay on loan is $293.28.
  • Total amount owed to creditor is $3,293.28.

Impact of Credit Score & Interest Rate on Cost of Loan

The interest rate on your loan is critical in determining how much you owe and most creditors determine your interest rate by your credit score.

This is an example of two different applicants applying for an identical car loan outside of STRCP for $20,000.

Applicant 1 Applicant 2
Credit Score 770 530
Length of Loan 60 months 60 months
Loan Amount $20,000 $20,000
Interest Rate 2.49% 18.99%
Interest Owed $1,291.54 $11,122.06
Total Amount for Pay Off $21,291.54 $31,122.06

Applicant 2 will pay $9,830.52 more for the same car due to their lower credit score & higher interest rate!