SMALL BUSINESS CAPITAL CORP OF OHIO (EIN 341459336) - 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

JOHN DENOEWER

Phone

4405257705

Tax Period

2018-10-01 to 2019-09-30

SMALL BUSINESS CAPITAL CORP OF OHIO, founded in 1983, is a small nonprofit that reported $185K in total revenue in fiscal year 2018. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $246K exceeded revenue, resulting in a 33% operating deficit.

Mission

TO PROMOTE, ADVANCE, AND ENCOURAGE ECONOMIC 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $168,449

Investment Income $16,610

Other Revenue $0

TOTAL REVENUE $185,059

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $202,515

Other Expenses $245,546

TOTAL EXPENSES $245,546

Year-over-Year Comparison

	2018	2017	Change
Revenue	$185,059	$265,863	-0.3%
Expenses	$245,546	$282,633	-0.1%
Net Income	$-60,487	$-16,770	+2.6%

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

N/A

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

$55,668

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIMOTHY O'BRIEN	TRUSTEE	N/A	Director	$0	$0	$0
PETER CONSTANTINO	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
JOHN DENOEWER	TREASURER	N/A	Officer Director	$0	$0	$0
BRYON PIKE	TRUSTEE	N/A	Director	$0	$0	$0
PATRICK ROSITANI	SECRETARY	N/A	Officer Director	$0	$0	$0
ALLEN WEAVER	PRESIDENT	N/A	Officer Director	$0	$0	$0
CATHY BIETERMAN	TRUSTEE	N/A	Director	$0	$0	$0
MICHAEL WARMINGTON	TRUSTEE	N/A	Director	$0	$0	$0
ROBERT J DAWSON	TRUSTEE	N/A	Director	$0	$0	$0
RANDY HORST	EXECUTIVE DI	40.00	Officer	$55,668	$0	$55,668

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
2019	$185,059	$245,546	No data	$-60,487
2018	$265,863	$282,633	$60,487	$-16,770

SMALL BUSINESS CAPITAL CORP OF OHIO