SMALL BUSINESS FINANCE ASSOCIATION INC (EIN 204983133) - Form 990 Financial Analysis & Trantor Score

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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

2006

Legal Domicile

Principal Officer

JEREMY BROWN

Phone

2127792100

Tax Period

2024-01-01 to 2024-12-31

SMALL BUSINESS FINANCE ASSOCIATION INC, founded in 2006, is a small nonprofit in the Community Improvement sector that reported $865K in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $800K left a modest 7% surplus.

Mission

TO PROVIDE EDUCATION AND PROFESSIONAL DEVELOPMENT TO ITS MEMBERS, DEVELOP ETHICAL STANDARDS AND BEST PRACTICE GUIDELINES FOR THE INDUSTRY, AND TO EVALUATE AND PROVIDE EDUCATION REGARDING THE DEVELOPMENT AND ENFORCEMENT OF INTELLECTUAL PROPERTY RIGHTS THAT AFFECT THE INDUSTRY.

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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 $820,700

Program Service Revenue $44,000

Investment Income $0

Other Revenue $0

TOTAL REVENUE $864,700

Expense Breakdown

Grants Paid $0

Salaries & Benefits $354,759

Fundraising Expenses $0

Other Expenses $445,279

TOTAL EXPENSES $800,038

Year-over-Year Comparison

	2024	2023	Change
Revenue	$864,700	$1,221,700	-0.3%
Expenses	$800,038	$1,447,662	-0.4%
Net Income	$64,662	$-225,962	-1.3%

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

N/A

Independent Members

N/A

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

$328,496

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEREMY BROWN	CHAIRMAN	0.00	Director	$0	$0	$0
DAN SMITH	DIRECTOR	0.00	Director	$0	$0	$0
HEATHER FRANCIS	DIRECTOR	0.00	Director	$0	$0	$0
ANDY REISER	DIRECTOR	0.00	Director	$0	$0	$0
RYAN ROSSETT	DIRECTOR	0.00	Director	$0	$0	$0
TIM MAGES	DIRECTOR	0.00	Director	$0	$0	$0
STEPHEN DENIS	EXECUTIVE DIRECTOR	40.00	Officer	$328,496	$0	$328,496

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
2024	$864,700	$800,038	$251,145	$64,662
2023	$1,221,700	$1,447,662	$376,534	$-225,962
2022	$482,700	$887,752	$406,822	$-405,052
2021	$314,700	$679,713	$785,645	$-365,013
2020	$565,175	$671,020	$1,136,426	$-105,845
2019	$605,375	$681,654	$1,276,105	$-76,279
2018	$453,567	$496,617	$1,343,870	$-43,050

SMALL BUSINESS FINANCE ASSOCIATION INC