CHARLOTTESVILLE, VA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)COMMUNITY INVESTMENT COLLABORATIVE, founded in 2012, is a community nonprofit in the Community Improvement sector that reported $3.1M in total revenue in fiscal year 2025. Revenue surged 28% from the prior year, signaling strong growth momentum. The organization ran a surplus of $540K, a strong 17% operating margin.
COMMUNITY INVESTMENT COLLABORATIVE'S MISSION IS TO STRENGTHEN OUR COMMUNITY AND CONTRIBUTE TO ECONOMIC DEVELOPMENT BY FUELING THE SUCCESS OF UNDER-RESOURCED ENTREPRENEURS THROUGH EDUCATION, MENTORING, MICRO-LENDING AND NETWORKING.
CIC PROVIDES BUSINESS EDUCATION, MENTORING AND NETWORKING OPPORTUNITIES TO UNDER-RESOURCED ENTREPRENEURS. THE SIGNATURE EDUCATION PROGRAM IS A 16-WEEK ENTREPRENEUR WORKSHOP THAT COMBINES CASE...
CIC PROVIDES BUSINESS EDUCATION, MENTORING AND NETWORKING OPPORTUNITIES TO UNDER-RESOURCED ENTREPRENEURS. THE SIGNATURE EDUCATION PROGRAM IS A 16-WEEK ENTREPRENEUR WORKSHOP THAT COMBINES CASE STUDIES, DISCUSSION AND APPLIED LEARNING. A FINANCIAL MANAGEMENT PROGRAM HELPS ENTREPRENEURS DEVELOP THE BOOKKEEPING, RECORD KEEPING, AND FINANCIAL ANALYSIS SKILLS AND HABITS TO BETTER MANAGE THEIR BUSINESS. ADDITIONAL PROGRAMS INCLUDE MENTORING, BUSINESS OFFICE HOURS, SMALL BUSINESS CIRCLES AND OUR COLLABORATIVE CO-WORKING SPACE.IN 2025, 283 CLIENTS PARTICIPATED IN CIC PROGRAMS. TO DATE: THERE ARE 747 GRADUATES OF OUR 16-WEEK WORKSHOP, 167 MENTOR MATCHES, AND 138 FINANCIAL MANAGEMENT PROGRAM PARTICIPANTS. TO DATE: THOSE CLIENTS HAVE STARTED 215 NEW BUSINESSES, SUSTAINED 352 EXISTING BUSINESSES AND CREATED 451 NEW FULL-TIME EQUIVALENT JOBS.
CIC HAS TWO CORE FINANCING PROGRAMS: A MICROLOAN PROGRAM THAT PROVIDES LOANS UP TO $50,000, AND A MICROGRANTS PROGRAM THAT HELPS UNDER-RESOURCED ENTREPRENEURS TEST THEIR PRODUCTS OR SERVICES. IN...
CIC HAS TWO CORE FINANCING PROGRAMS: A MICROLOAN PROGRAM THAT PROVIDES LOANS UP TO $50,000, AND A MICROGRANTS PROGRAM THAT HELPS UNDER-RESOURCED ENTREPRENEURS TEST THEIR PRODUCTS OR SERVICES. IN 2025, 42 BUSINESSES RECEIVED $1,555,315 IN LOANS AND 17 BUSINESSES RECEIVED $22,795 IN MICROGRANTS. CIC'S LIFETIME TOTAL LENDING TO DATE INCLUDES $6.578 MILLION IN LOANS.CIC PARTNERS WITH LOCAL GOVERNMENTS AND OTHER ENTITIES TO MANAGE GRANT PROGRAMS THAT PROVIDE ACCESS TO CAPITAL TO BUSINESSES IN THE REGION. IN 2025, WE PARTNERED WITH ENTITIES TO PROVIDE CAPITAL TO 25 BUSINESSES THROUGH $173,014 IN GRANTS.IN 2025, CIC LAUNCHED A MASTER PARTICIPATION AGREEMENT WITH BRIDGING VIRGINIA, A MISSION-DRIVEN LENDER BASED IN RICHMOND, VA. UNDER THIS AGREEMENT, CIC MADE $25,000 IN LOANS PARTICIPATING ALONGSIDE BRIDGING VIRGINIA LOANS, ENABLING A COMBINED TOTAL OF $50,000 IN LOANS TO UNDER-RESOURCED ENTREPRENEURS IN THE RICHMOND AREA. CIC PROVIDED LOAN SERVICING SUPPORT TO BRIDGING VIRGINIA THROUGH THE FIRST QUARTER OF 2025, DURING WHICH TIME IT SUPPORTED $651,692 IN TOTAL LOANS, WITH $474,716 IN OUTSTANDING BALANCES AT THE TIME THAT SERVICING ARRANGEMENT CONCLUDED. AT THE END OF 2025, CIC MANAGED $407,413 IN ASSETS UNDER MANAGEMENT WITH OTHER LENDING PARTNERS.
THE CV SBDC IS HOUSED AT CIC WITH SUPPORT FROM THE SMALL BUSINESS ADMINISTRATION, STATE AND LOCAL GOVERNMENTS, AND PRIVATE SUPPORT. IT PROVIDES FREE ONE-ON-ONE BUSINESS ADVISING AND TRAINING...
THE CV SBDC IS HOUSED AT CIC WITH SUPPORT FROM THE SMALL BUSINESS ADMINISTRATION, STATE AND LOCAL GOVERNMENTS, AND PRIVATE SUPPORT. IT PROVIDES FREE ONE-ON-ONE BUSINESS ADVISING AND TRAINING WORKSHOPS. IN 2025, THE CV SBDC PROVIDED 688 CLIENTS WITH 3,715 HOURS OF BUSINESS ADVISING. ADDITIONALLY, 423 INDIVIDUALS PARTICIPATED IN 31 TRAINING EVENTS. CV SBDC CLIENTS CREATED 35 NEW BUSINESSES, SUPPORTED $17.8 MILLION IN NEW CAPITAL FORMATION, AND CREATED 83 NEW JOBS.
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)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $3,095,081 | $2,414,442 | +0.3% |
| Expenses | $2,554,804 | $2,439,756 | +0.0% |
| Net Income | $540,277 | $-25,314 | -22.3% |
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 |
|---|---|---|---|---|---|---|
| DELORES ROBERTS | CHAIR | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| DANIELLE HOPKINS | VICE CHAIR | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| SARAD DAVENPORT | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| JACOB D'ANIELLO | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| VICTORIA MAXEY | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| S LISA HERNDON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| MELODY BIANCHETTO | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| HOPE LAWRENCE | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| ROBERT WOOD | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| CKALIB NELSON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| STEPHEN DAVIS | PRESIDENT | 40.00 |
Officer
|
$132,500 | $11,280 | $143,780 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $3,095,081 | $2,554,804 | $3,843,834 | $540,277 |
| 2024 | $2,414,442 | $2,439,756 | $2,805,894 | $-25,314 |
| 2023 | $2,055,191 | $1,997,284 | $2,802,558 | $57,907 |
| 2022 | $2,244,096 | $2,035,079 | $2,566,394 | $209,017 |
| 2021 | $2,838,911 | $2,386,384 | $2,335,372 | $452,527 |
| 2020 | $13,501,083 | $12,747,007 | $1,933,615 | $754,076 |
| 2019 | $690,593 | $584,029 | $817,524 | $106,564 |
| 2018 | $737,370 | $603,104 | $709,754 | $134,266 |
Compare COMMUNITY INVESTMENT COLLABORATIVE with other nonprofits in Virginia and across the country.