ACCESS BUSINESS FINANCE INC

EIN: 311092286

WEST CHESTER, OH

Total Revenue
$191,654
Total Expenses
$219,521
Total Assets
N/A
Net Assets
N/A
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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
1983
Legal Domicile
OH
Principal Officer
ANDREW MCCREANOR
Phone
5137772225
Tax Period
2021-10-01 to 2022-03-31

ACCESS BUSINESS FINANCE INC, founded in 1983, is a small nonprofit that reported $192K in total revenue in fiscal year 2021. Revenue fell 46% from the prior year — a significant decline worth monitoring. Expenses of $220K exceeded revenue, resulting in a 15% operating deficit.

Mission

TO GUIDE GROWING SMALL BUSINESSES ON THEIR JOURNEY OF EXPANSION AND DEVELOPMENT.

Program Service Accomplishments

Program 1
Expenses: $213,049 Revenue: $191,654

TO ASSIST SMALL BUSINESSES IN OBTAINING FINANCING THROUGH THE US SBA 504 LOAN PROGRAM.

Program 2
Expenses: $6,472

TO ASSIST SMALL BUSINESSES IN OBTAINING FINANCING THROUGH SOURCES OTHER THAN THE US SBA 504 LOAN PROGRAM WHEN THEY DO NOT QUALIFY.

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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%)

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Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $190,827
Investment Income $827
Other Revenue $0
TOTAL REVENUE $191,654

Expense Breakdown

Grants Paid $0
Salaries & Benefits $152,589
Fundraising Expenses $0
Program Expenses $219,521
Other Expenses $66,932
TOTAL EXPENSES $219,521

Year-over-Year Comparison

2021 2020 Change
Revenue $191,654 $353,309 -0.5%
Expenses $219,521 $370,755 -0.4%
Net Income $-27,867 $-17,446 +0.6%
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

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Governance

Voting Members
11
Independent Members
11
Employees
3
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
1
$103,338
Total Directors
12
$103,338
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
ANDREW MCCREANOR CEO 40.00
Officer Director
$103,338 $0 $103,338
PATRICK LANDI BOARD PRESIDENT 0.50
Director
$0 $0 $0
JOHN KIRSH BOARD TREASURER 0.50
Director
$0 $0 $0
BRENDAN BURNS BOARD VICE PRESIDENT 0.50
Director
$0 $0 $0
DENNIS GRAMANN DIRECTOR 0.50
Director
$0 $0 $0
TIMOTHY SHERIDAN DIRECTOR 0.50
Director
$0 $0 $0
MICHA MEYER DIRECTOR 0.50
Director
$0 $0 $0
SUBHAS PATEL DIRECTOR 0.50
Director
$0 $0 $0
ANAND RAJU DIRECTOR 0.50
Director
$0 $0 $0
COURTNEY COMBS DIRECTOR 0.50
Director
$0 $0 $0
DANIEL WALSH DIRECTOR 0.50
Director
$0 $0 $0
VICTORIA ASHER DIRECTOR 0.50
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
2022 $191,654 $219,521 No data $-27,867
2021 $353,309 $370,755 $358,948 $-17,446
2020 $290,123 $376,355 $377,303 $-86,232
2019 $317,530 $406,846 $427,078 $-89,316
2018 $379,368 $440,370 $515,212 $-61,002
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