REGIONAL BUSINESS FUND INC

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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

1995

Legal Domicile

Principal Officer

CLARK YOLITZ

Phone

7158362918

Tax Period

2025-01-01 to 2025-12-31

REGIONAL BUSINESS FUND INC, founded in 1995, is a small nonprofit that reported $922K in total revenue in fiscal year 2025. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $347K, a strong 38% operating margin.

Mission

THE REGIONAL BUSINESS FUND, INC. IS A NON-PROFIT ECONOMIC DEVELOPMENT CORPORATION WHOSE PURPOSE IS TO PROMOTE BUSINESS AND ECONOMIC DEVELOPMENT IN WEST CENTRAL WISCONSIN. THE REGIONAL BUSINESS FUND, INC. OFFERS LOW INTEREST LOAN FUNDS TO BUSINESSES THAT EXPAND WITHIN THE REGION, DIVERSIFY THE ECONOMY, ADD NEW TECHNOLOGY, REVITALIZE BUILDINGS IN THE REGION'S DOWNTOWNS, AND CREATE QUALITY JOBS AND CAPITAL INVESTMENT IN THE REGION.

Program Service Accomplishments

Program 1

THE RBF, INC. MANAGES REVOLVING LOAN FUNDS THAT PROVIDE LOW-COST FINANCING TO AREA BUSINESSES. THE FUND WAS CAPITALIZED BY GRANTS FROM THE ECONOMIC DEVELOPMENT ADMINISTRATION OF THE U.S. DEPT. OF...

THE RBF, INC. MANAGES REVOLVING LOAN FUNDS THAT PROVIDE LOW-COST FINANCING TO AREA BUSINESSES. THE FUND WAS CAPITALIZED BY GRANTS FROM THE ECONOMIC DEVELOPMENT ADMINISTRATION OF THE U.S. DEPT. OF COMMERCE AND COMMUNITY DEVELOPMENT BLOCK GRANTS AND BROWNFIELDS ECONOMIC DEVELOPMENT INITIATIVE/SPECIAL PROJECT GRANTS OF THE U.S. DEPT. OF HOUSING AND URBAN 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 (2025)

Revenue Breakdown

Contributions & Grants $250,092

Program Service Revenue $600,578

Investment Income $70,850

Other Revenue $0

TOTAL REVENUE $921,520

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $574,205

TOTAL EXPENSES $574,205

Year-over-Year Comparison

	2025	2024	Change
Revenue	$921,520	$710,474	+0.3%
Expenses	$574,205	$530,041	+0.1%
Net Income	$347,315	$180,433	+0.9%

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

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
CLARK YOLITZ	PRESIDENT	1.00	Officer Director	$0	$0	$0
AARON MORK	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DAN LYTLE	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
REBECCA REINHARDT	DIRECTOR	1.00	Director	$0	$0	$0
DEB CHILSON	DIRECTOR	1.00	Director	$0	$0	$0
MAI XIONG	DIRECTOR	1.00	Director	$0	$0	$0
JAMES SCHMIDT	DIRECTOR	1.00	Director	$0	$0	$0
PAM FALL	DIRECTOR	1.00	Director	$0	$0	$0
AARON SUNDEEN	DIRECTOR	1.00	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	$921,520	$574,205	$17,216,774	$347,315
2024	$710,474	$530,041	$16,887,076	$180,433
2023	$692,251	$447,197	$16,694,076	$245,054
2022	$728,736	$390,302	$16,433,874	$338,434
2021	$733,742	$396,315	$16,071,346	$337,427
2020	$905,160	$439,117	$15,761,279	$466,043
2019	$515,766	$483,107	$15,285,961	$32,659
2018	$497,697	$548,632	$15,250,304	$-50,935