<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created with Toppan Merrill Bridge  11.4.0.1 -->
<!--Based on XBRL 2.1-->
<!--Created on: 8/13/2026 7:19:22 PM-->
<!--Modified on: 8/13/2026 7:19:22 PM-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#StatementCombinedAndCondensedConsolidatedBalanceSheets" roleURI="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedBalanceSheets" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#StatementCombinedAndCondensedConsolidatedStatementsOfOperationsAndComprehensiveIncome" roleURI="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedStatementsOfOperationsAndComprehensiveIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#StatementCombinedAndCondensedConsolidatedStatementsOfCashFlows" roleURI="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedStatementsOfCashFlows" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#StatementCombinedAndCondensedConsolidatedStatementsOfCashFlowsParenthetical" roleURI="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedStatementsOfCashFlowsParenthetical" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#DisclosureEarningsPerShareDetails" roleURI="http://www.jcap.com/role/DisclosureEarningsPerShareDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#DisclosureAcquisitionsDetails" roleURI="http://www.jcap.com/role/DisclosureAcquisitionsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#DisclosureInvestmentInReceivablesNetAllowanceForExpectedRecoveriesDetails" roleURI="http://www.jcap.com/role/DisclosureInvestmentInReceivablesNetAllowanceForExpectedRecoveriesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#DisclosureNotesPayableNetDetails" roleURI="http://www.jcap.com/role/DisclosureNotesPayableNetDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#DisclosureNotesPayableNetInterestExpenseComponentsDetails" roleURI="http://www.jcap.com/role/DisclosureNotesPayableNetInterestExpenseComponentsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="jcap-20260630.xsd#DisclosureSegmentReportingDetails" roleURI="http://www.jcap.com/role/DisclosureSegmentReportingDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item" />
  <calculationLink xlink:role="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedBalanceSheets" xlink:type="extended" xlink:title="995200100 - Statement - Combined and Condensed Consolidated Balance Sheets" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_639222455613504340" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_639222455613504340" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash" xlink:label="us-gaap_RestrictedCash_639222455613504340" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_RestrictedCash_639222455613504340" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNet" xlink:label="us-gaap_AccountsReceivableNet_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_AccountsReceivableNet_639222455613507421" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_OtherAssets_639222455613507421" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639222455613507421" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_639222455613507421" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherIntangibleAssetsNet" xlink:label="us-gaap_OtherIntangibleAssetsNet_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_OtherIntangibleAssetsNet_639222455613507421" order="7" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill" xlink:label="us-gaap_Goodwill_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Goodwill_639222455613507421" order="8" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_Liabilities_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_AccountsPayableAndAccruedLiabilitiesExcludingTaxLiabilities" xlink:label="jc_AccountsPayableAndAccruedLiabilitiesExcludingTaxLiabilities_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639222455613507421" xlink:to="jc_AccountsPayableAndAccruedLiabilitiesExcludingTaxLiabilities_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedIncomeTaxes" xlink:label="us-gaap_AccruedIncomeTaxes_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639222455613507421" xlink:to="us-gaap_AccruedIncomeTaxes_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639222455613507421" xlink:to="us-gaap_OtherLiabilities_639222455613507421" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:label="us-gaap_DeferredIncomeTaxLiabilitiesNet_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639222455613507421" xlink:to="us-gaap_DeferredIncomeTaxLiabilitiesNet_639222455613507421" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesPayable" xlink:label="us-gaap_NotesPayable_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639222455613507421" xlink:to="us-gaap_NotesPayable_639222455613507421" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_StockholdersEquity_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639222455613507421" xlink:to="us-gaap_CommonStockValue_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="us-gaap_AdditionalPaidInCapital_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639222455613507421" xlink:to="us-gaap_AdditionalPaidInCapital_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639222455613507421" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_639222455613507421" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639222455613507421" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_639222455613507421" order="4" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedStatementsOfOperationsAndComprehensiveIncome" xlink:type="extended" xlink:title="995200200 - Statement - Combined and Condensed Consolidated Statements of Operations and Comprehensive Income" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_NetIncomeLoss_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss_639222455613507421" xlink:to="us-gaap_IncomeTaxExpenseBenefit_639222455613507421" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss_639222455613507421" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NonoperatingIncomeExpense" xlink:label="us-gaap_NonoperatingIncomeExpense_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639222455613507421" xlink:to="us-gaap_NonoperatingIncomeExpense_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ForeignCurrencyTransactionGainLossBeforeTax" xlink:label="us-gaap_ForeignCurrencyTransactionGainLossBeforeTax_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NonoperatingIncomeExpense_639222455613507421" xlink:to="us-gaap_ForeignCurrencyTransactionGainLossBeforeTax_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseNonoperating" xlink:label="us-gaap_InterestExpenseNonoperating_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NonoperatingIncomeExpense_639222455613507421" xlink:to="us-gaap_InterestExpenseNonoperating_639222455613507421" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss" xlink:label="us-gaap_OperatingIncomeLoss_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639222455613507421" xlink:to="us-gaap_OperatingIncomeLoss_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_639222455613507421" xlink:to="us-gaap_OperatingExpenses_639222455613507421" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherSellingGeneralAndAdministrativeExpense" xlink:label="us-gaap_OtherSellingGeneralAndAdministrativeExpense_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses_639222455613507421" xlink:to="us-gaap_OtherSellingGeneralAndAdministrativeExpense_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalFees" xlink:label="us-gaap_ProfessionalFees_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses_639222455613507421" xlink:to="us-gaap_ProfessionalFees_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAndAmortization" xlink:label="us-gaap_DepreciationAndAmortization_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses_639222455613507421" xlink:to="us-gaap_DepreciationAndAmortization_639222455613507421" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_ServicingExpenses" xlink:label="jc_ServicingExpenses_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses_639222455613507421" xlink:to="jc_ServicingExpenses_639222455613507421" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SalariesAndWages" xlink:label="us-gaap_SalariesAndWages_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses_639222455613507421" xlink:to="us-gaap_SalariesAndWages_639222455613507421" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:label="us-gaap_ProvisionForLoanLossesExpensed_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_639222455613507421" xlink:to="us-gaap_ProvisionForLoanLossesExpensed_639222455613507421" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_639222455613507421" xlink:to="us-gaap_Revenues_639222455613507421" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_ServicingRevenue" xlink:label="jc_ServicingRevenue_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Revenues_639222455613507421" xlink:to="jc_ServicingRevenue_639222455613507421" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_CreditCardRevenue" xlink:label="jc_CreditCardRevenue_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Revenues_639222455613507421" xlink:to="jc_CreditCardRevenue_639222455613507421" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_PortfolioRevenueAfterRecoveries" xlink:label="jc_PortfolioRevenueAfterRecoveries_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Revenues_639222455613507421" xlink:to="jc_PortfolioRevenueAfterRecoveries_639222455613507421" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_IncreaseDecreaseInRecoveries" xlink:label="jc_IncreaseDecreaseInRecoveries_639222455613507421" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="jc_PortfolioRevenueAfterRecoveries_639222455613507421" xlink:to="jc_IncreaseDecreaseInRecoveries_639222455613507421" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_PortfolioIncome" xlink:label="jc_PortfolioIncome_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="jc_PortfolioRevenueAfterRecoveries_639222455613507421" xlink:to="jc_PortfolioIncome_639222455613542712" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedStatementsOfCashFlows" xlink:type="extended" xlink:title="995200400 - Statement - Combined and Condensed Consolidated Statements of Cash Flows" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_ProfitLoss_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationDepletionAndAmortization" xlink:label="us-gaap_DepreciationDepletionAndAmortization_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_DepreciationDepletionAndAmortization_639222455613542712" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfFinancingCosts" xlink:label="us-gaap_AmortizationOfFinancingCosts_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_AmortizationOfFinancingCosts_639222455613542712" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_IncreaseDecreaseInDeferredTax" xlink:label="jc_IncreaseDecreaseInDeferredTax_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="jc_IncreaseDecreaseInDeferredTax_639222455613542712" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_ShareBasedCompensation_639222455613542712" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="us-gaap_ProvisionForDoubtfulAccounts_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_ProvisionForDoubtfulAccounts_639222455613542712" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_IncreaseDecreaseInRecoveries1" xlink:label="jc_IncreaseDecreaseInRecoveries1_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="jc_IncreaseDecreaseInRecoveries1_639222455613542712" order="7" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_639222455613542712" order="8" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:label="us-gaap_IncreaseDecreaseInAccountsReceivable_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_IncreaseDecreaseInAccountsReceivable_639222455613542712" order="9" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639222455613542712" xlink:to="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_639222455613542712" order="10" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_639222455613542712" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireFinanceReceivables" xlink:label="us-gaap_PaymentsToAcquireFinanceReceivables_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639222455613542712" xlink:to="us-gaap_PaymentsToAcquireFinanceReceivables_639222455613542712" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables" xlink:label="us-gaap_ProceedsFromCollectionOfFinanceReceivables_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639222455613542712" xlink:to="us-gaap_ProceedsFromCollectionOfFinanceReceivables_639222455613542712" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_PurchasesOfOrProceedsFromPropertyAndEquipmentNet" xlink:label="jc_PurchasesOfOrProceedsFromPropertyAndEquipmentNet_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639222455613542712" xlink:to="jc_PurchasesOfOrProceedsFromPropertyAndEquipmentNet_639222455613542712" order="3" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromNotesPayable" xlink:label="us-gaap_ProceedsFromNotesPayable_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" xlink:to="us-gaap_ProceedsFromNotesPayable_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfNotesPayable" xlink:label="us-gaap_RepaymentsOfNotesPayable_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" xlink:to="us-gaap_RepaymentsOfNotesPayable_639222455613542712" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDebtIssuanceCosts" xlink:label="us-gaap_PaymentsOfDebtIssuanceCosts_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" xlink:to="us-gaap_PaymentsOfDebtIssuanceCosts_639222455613542712" order="3" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" xlink:to="us-gaap_PaymentsForRepurchaseOfCommonStock_639222455613542712" order="4" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividends" xlink:label="us-gaap_PaymentsOfDividends_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" xlink:to="us-gaap_PaymentsOfDividends_639222455613542712" order="5" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639222455613542712" xlink:to="us-gaap_ProceedsFromIssuanceOfCommonStock_639222455613542712" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:label="us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_639222455613542712" order="4" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/StatementCombinedAndCondensedConsolidatedStatementsOfCashFlowsParenthetical" xlink:type="extended" xlink:title="995200405 - Statement - Combined and Condensed Consolidated Statements of Cash Flows (Parenthetical)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash" xlink:label="us-gaap_RestrictedCash_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:to="us-gaap_RestrictedCash_639222455613542712" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/DisclosureEarningsPerShareDetails" xlink:type="extended" xlink:title="99940201 - Disclosure - Earnings Per Share (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:to="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_639222455613542712" xlink:to="us-gaap_NetIncomeLoss_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic" xlink:label="us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_639222455613542712" xlink:to="us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_639222455613542712" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_IncrementalCommonSharesAttributableToDilutiveEffectOfShareBasedPaymentArrangementsOptions" xlink:label="jc_IncrementalCommonSharesAttributableToDilutiveEffectOfShareBasedPaymentArrangementsOptions_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="jc_IncrementalCommonSharesAttributableToDilutiveEffectOfShareBasedPaymentArrangementsOptions_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_639222455613542712" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/DisclosureAcquisitionsDetails" xlink:type="extended" xlink:title="99940301 - Disclosure - Acquisitions (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsNet" xlink:label="us-gaap_AssetsNet" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_AssetsNet" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639222455613542712" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_639222455613542712" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639222455613542712" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_639222455613542712" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/DisclosureInvestmentInReceivablesNetAllowanceForExpectedRecoveriesDetails" xlink:type="extended" xlink:title="99940502 - Disclosure - Investment in receivables, net - Allowance for expected recoveries (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchase" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestPurchase" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_FinancingReceivablePurchasedWithCreditDeteriorationNegativeAllowance" xlink:label="jc_FinancingReceivablePurchasedWithCreditDeteriorationNegativeAllowance_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestPurchase" xlink:to="jc_FinancingReceivablePurchasedWithCreditDeteriorationNegativeAllowance_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremiumWrittenOff" xlink:label="jc_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremiumWrittenOff_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestPurchase" xlink:to="jc_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremiumWrittenOff_639222455613542712" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCostWrittenOff" xlink:label="jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCostWrittenOff_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestPurchase" xlink:to="jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCostWrittenOff_639222455613542712" order="3" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:label="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestPurchase" xlink:to="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_639222455613542712" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:label="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_639222455613542712" xlink:to="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_639222455613542712" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCost" xlink:label="jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCost_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_639222455613542712" xlink:to="jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCost_639222455613542712" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:label="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCost_639222455613542712" xlink:to="us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_639222455613542712" order="1" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/DisclosureNotesPayableNetDetails" xlink:type="extended" xlink:title="99940801 - Disclosure - Notes Payable, Net (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesPayable" xlink:label="us-gaap_NotesPayable_1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount" xlink:label="us-gaap_DebtInstrumentCarryingAmount_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NotesPayable_1" xlink:to="us-gaap_DebtInstrumentCarryingAmount_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnamortizedDebtIssuanceExpense" xlink:label="us-gaap_UnamortizedDebtIssuanceExpense_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NotesPayable_1" xlink:to="us-gaap_UnamortizedDebtIssuanceExpense_639222455613542712" order="2" use="optional" weight="-1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/DisclosureNotesPayableNetInterestExpenseComponentsDetails" xlink:type="extended" xlink:title="99940804 - Disclosure - Notes Payable, Net - Interest expense components (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseNonoperating" xlink:label="us-gaap_InterestExpenseNonoperating_1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDebt" xlink:label="us-gaap_InterestExpenseDebt_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestExpenseNonoperating_1" xlink:to="us-gaap_InterestExpenseDebt_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfFinancingCosts" xlink:label="us-gaap_AmortizationOfFinancingCosts_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestExpenseNonoperating_1" xlink:to="us-gaap_AmortizationOfFinancingCosts_639222455613542712" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.jcap.com/role/DisclosureSegmentReportingDetails" xlink:type="extended" xlink:title="99941201 - Disclosure - Segment Reporting (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss" xlink:label="us-gaap_OperatingIncomeLoss_1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_1" xlink:to="us-gaap_Revenues_639222455613542712" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:label="us-gaap_ProvisionForLoanLossesExpensed_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_1" xlink:to="us-gaap_ProvisionForLoanLossesExpensed_639222455613542712" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SalariesAndWages" xlink:label="us-gaap_SalariesAndWages_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_1" xlink:to="us-gaap_SalariesAndWages_639222455613542712" order="3" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="jcap-20260630.xsd#jc_ServicingExpenses" xlink:label="jc_ServicingExpenses_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_1" xlink:to="jc_ServicingExpenses_639222455613542712" order="4" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAndAmortization" xlink:label="us-gaap_DepreciationAndAmortization_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_1" xlink:to="us-gaap_DepreciationAndAmortization_639222455613542712" order="5" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalFees" xlink:label="us-gaap_ProfessionalFees_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_1" xlink:to="us-gaap_ProfessionalFees_639222455613542712" order="6" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherSellingGeneralAndAdministrativeExpense" xlink:label="us-gaap_OtherSellingGeneralAndAdministrativeExpense_639222455613542712" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss_1" xlink:to="us-gaap_OtherSellingGeneralAndAdministrativeExpense_639222455613542712" order="7" use="optional" weight="-1" />
  </calculationLink>
</link:linkbase>
