THE SMALL-SCALE SUSTAINABLE INFRA-

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2001

Legal Domicile

Principal Officer

MICHAEL LESSER

Phone

6175760652

Tax Period

2024-07-01 to 2025-06-30

THE SMALL-SCALE SUSTAINABLE INFRA-, founded in 2001, is a small nonprofit in the International Affairs sector that reported $226K in total revenue in fiscal year 2024. Expenses of $423K exceeded revenue, resulting in a 87% operating deficit.

Mission

TO ACHIEVE POVERTY ALLEVIATION AND ECONOMIC DEVELOPMENT, S3IDF STRENGHTENS SMALL-SCALE ENTERPRISES AND INVEST IN HIGH IMPACT EARLY-STAGE BUSINESSES TO IMPROVE LIVESS AND LIVELIHOODS IN UNDERSERVED COMMUNITIES. THROUGH FINANCING AND TECHNICAL AND BUSINESSES ASSISTANCE, S3IDF WORKS TO IMPROVE OPPORTUNITIES FOR LOW-INCOME WORKERS, ADDRESS GENDER INEQUITIES, AND GENERATE ENVIRONMENTAL BENEFITS IN THE AGRICULTURE, WASTE/SANITATION, CLEAN ENERGY AND OTHER SECTORS. TO DISSEMINATE AND IMPLEMENT ITS WORK, S3IDF ALSO WORKS CLOSELY WITH NON- GOVERNMENTAL COMMUNITY AND NON-PROFIT ORGANIZATIONS. IT SHARES ITS TRADEMARKED "SOCIAL MERCHANT BANK APPROACH" TO IMPROVE THE PRO-POOR EFFECTIVENESS OF PROJECTS AND PROGRAMS IMPLEMENTED BY INTERNATIONAL AND LOCAL DEVELOPMENT AGENCIES AS WELL AS THE IMPACT INVESTING COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $276,989

PROVIDES TECHNOLOGICAL BUSINESS DEVELOPMENT AND FINANCING ASSISTANCE TO NONGOVERNMENTAL PRIVATE, COMMUNITY AND NONPROFIT ORGANIZATIONS IN DEVELOPING COUNTRIES TO PROVIDE INFRASTRUCTURE SERVICES FOR...

Program 2

Expenses: $10,286

TO DISSEMINATE THE SOCIAL MERCHANT BANK APPROACH BY USING THE LESSONS DERIVED FROM SMALL SCALE'S TRANSPARENT MONITORING AND EVALUATION WORK TO ACHIEVE A MUCH BROADER IMPACT BY ENCOURAGING...

TO DISSEMINATE THE SOCIAL MERCHANT BANK APPROACH BY USING THE LESSONS DERIVED FROM SMALL SCALE'S TRANSPARENT MONITORING AND EVALUATION WORK TO ACHIEVE A MUCH BROADER IMPACT BY ENCOURAGING ORGANIZATIONS TO ADPOT A SIMILAR APPROACH.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $158,017

Program Service Revenue $0

Investment Income $33,425

Other Revenue $35,000

TOTAL REVENUE $226,442

Expense Breakdown

Grants Paid $67,586

Salaries & Benefits $266,919

Fundraising Expenses $44,703

Program Expenses $287,275

Other Expenses $88,176

TOTAL EXPENSES $422,681

Year-over-Year Comparison

	2024	2023	Change
Revenue	$226,442	$226,442	N/A
Expenses	$422,681	$422,682	0.0%
Net Income	$-196,239	$-196,240	0.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH FRIEND	MANAGING DIR	40.00	Highest	$119,445	$0	$119,445
ROBIN BRENNER	CLERK	5.00	Officer Director	$0	$0	$0
SABIRA LAKHANI	CURRENT PRES	5.00	Officer Director	$0	$0	$0
MICHAEL LESSER	TREASURER	8.00	Officer Director	$0	$0	$0
MARCO PALMIERI	DIRECTOR	1.00	Director	$0	$0	$0
RUSSELL J DELUCIA	FMR. PRESIDE	30.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$226,442	$422,681	$1,011,125	$-196,239
2024	No data	No data	No data	No data
2023	$163,039	$419,083	$1,406,951	$-256,044
2022	$1,152,196	$413,015	$1,618,867	$739,181
2021	$987,622	$416,899	$897,888	$570,723
2021	$465,000	$671,750	$234,516	$-206,750
2020	$429,881	$678,680	$212,380	$-248,799
2020	$372,782	$559,438	$312,143	$-186,656
2019	$541,602	$778,642	$458,309	$-237,040
2019	$506,795	$718,186	$467,352	$-211,391
2018	$754,195	$773,888	$714,556	$-19,693
2018	$726,519	$780,253	$713,917	$-53,734