AURORA, CO
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)COMMUNITY ENTERPRISE DEVELOPMENT SERVICES, founded in 2011, is a community nonprofit in the Human Services sector that reported $1.5M in total revenue in fiscal year 2024. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $2.5M exceeded revenue, resulting in a 65% operating deficit.
COMMUNITY ENTERPRISE DEVELOPMENT SERVICES' MISSION IS TO SUPPORT THE AMERICAN DREAM OF FINANCIAL SELF-SUFFICIENCY, BY ASSISTING REFUGEES, IMMIGRANTS, AND THOSE FROM UNDERSERVED COMMUNITIES IN METRO DENVER WHO DESIRE TO OWN OR STRENGTHEN BUSINESSES, DEVELOP ASSETS, AND EMPOWER THEMSELVES FINANCIALLY.
CEDS Finance empowers small business entrepreneursparticularly low-income owners with few other alternativesby providing access to patient capital and personalized business consulting. It's a...
CEDS Finance empowers small business entrepreneursparticularly low-income owners with few other alternativesby providing access to patient capital and personalized business consulting. It's a certified Community Development Financial Institution (CDFI) since 2015, targeting low-income populations and qualified investment areas.In FY25, CEDS Finance advanced its mission by deploying $3.5 million across 108 loans and murabahas to underserved entrepreneurs that created or retained 254 jobs. The organization achieved a 15% improvement in approval efficiency due to enhanced pre-screening. CEDS Finance maintained strong portfolio performance with a net charge-off ratio of 0.2% (well below the 2.8% benchmark) while growing its portfolio by 16.8% to $5.7 million. Key operational enhancements included expanding software efficiencies with two new modules that speed up monthly reporting and improve data accuracy, as well as launching a new online payment portal. The portal has demonstrated early success with 42% of clients are repeat usersdemonstrating early demand for improved repayment flexibility. These improvements strengthen efficiency and impact, enabling a smaller investment team to sustain deployment levels while increasing service accessibility for low-income and immigrant business owners.CEDS Finance provided 3,243 hours of free technical assistance for small business owners, and hosted or attended 58 community events that generated nearly 200 completed loan applications.By breaking down barriers to capital with culturally responsive products and services in 16 languages, CEDS Finance is creating a more effective financial system where every entrepreneur has the resources to thrive.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $1,536,762 | $3,346,203 | -0.5% |
| Expenses | $2,529,434 | $2,887,554 | -0.1% |
| Net Income | $-992,672 | $458,649 | -3.2% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| ALEXANDRIA WISE | Executive Dir. | 40.00 |
Officer
|
$162,247 | $15,570 | $177,817 |
| ANTHONY PELZ | DIRECTOR OF LENDING | 40.00 |
|
$156,476 | $1,913 | $158,389 |
| DIANA PADGETT | DIRECTOR OF FINANC | 40.00 |
|
$121,169 | $17,028 | $138,197 |
| CARRIE HANSON | DIRECTOR OF DEVELO | 40.00 |
|
$114,777 | $15,670 | $130,447 |
| JONALYN DENLINGER | BOARD CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| MARIE PETERS | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| PATRICK HORVATH | VICE CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| NICOLE CARNER | Secretary | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| TRICIA ALLEN | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| JORGE ABURTO | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| WILLIAM HUNTER RAILEY | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| SARAH MONTGOMERY | Treasurer | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JOHN PALYO | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| ARLENE DELGADO | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| TIMOTHY FLOYD | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| JESSICA SVEEN | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $1,536,762 | $2,529,434 | $12,562,293 | $-992,672 |
| 2024 | $3,346,203 | $2,887,554 | $12,247,897 | $458,649 |
| 2023 | $2,641,150 | $2,377,333 | $11,399,395 | $263,817 |
| 2022 | $1,970,968 | $1,239,201 | $7,813,338 | $731,767 |
| 2021 | $2,438,749 | $799,071 | $7,776,464 | $1,639,678 |
| 2020 | $1,307,014 | $1,020,830 | $5,357,649 | $286,184 |
| 2019 | $1,027,209 | $875,277 | $3,797,153 | $151,932 |
| 2018 | $914,015 | $559,732 | $3,302,523 | $354,283 |
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