Jefferson Capital, Inc. / DE

This proxy statement is furnished in connection with the solicitation by the Board of Directors of Jefferson Capital, Inc. of proxies to be voted at our Annual Meeting of Stockholders to be held on Friday, June 5, 2026 (the “Annual Meeting”), at 9:00 a.m. Eastern time, and at any continuation, postponement, or adjournment of the Annual Meeting. The Annual Meeting will be a completely virtual meeting, which will be conducted via live webcast. You will be able to attend the Annual Meeting online and submit your questions during the meeting by visitingwww.virtualshareholdermeeting.com/JCAP2026 and entering your 16-digit control number included in your Notice of Internet Availability of Proxy Materials, on your proxy card or on the instructions that accompanied your proxy materials.

Holders of record of shares of our common stock, $0.0001 par value per share, as of the close of business on April 10, 2026 (the “Record Date”), will be entitled to notice of and to vote at the Annual Meeting and any continuation, postponement, or adjournment of the Annual Meeting. As of the Record Date, there were 61,711,588 shares of common stock outstanding and entitled to vote at the Annual Meeting. Each share of common stock is entitled to one vote on any matter presented to stockholders at the Annual Meeting.

This proxy statement and the Company’s Annual Report to Stockholders for the year ended December 31, 2025 (the “2025 Annual Report”) will be released on or about April 21, 2026 to our stockholders on the Record Date.

In this proxy statement, “Jefferson Capital”, “Company”, “we”, “us”, and “our” refer to Jefferson Capital, Inc. References to “JCF Stockholders” mean a voting group led by JCF IV JCAP Holding L.P., entities affiliated with J.C. Flowers, who collectively own a controlling interest in our common stock.

IMPORTANT NOTICE REGARDING THE AVAILABILITY OF PROXY MATERIALS FOR THE

STOCKHOLDER MEETING TO BE HELD ON FRIDAY, JUNE 5, 2026

This Proxy Statement and our 2025 Annual Report to Stockholders are available at

http://www.proxyvote.com/