ACCESS BUSINESS FINANCE INC (EIN 311092286) - 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

1983

Legal Domicile

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.

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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 (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

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

$103,338

Total Directors

$103,338

Key Employees

Highest Compensated

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

ACCESS BUSINESS FINANCE INC