BALTIMORE COUNTY SMALL BUSINESS LOAN FUND INC (EIN 522010189) - 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

1996

Legal Domicile

Principal Officer

JONATHAN SACHS

Phone

4108878005

Tax Period

2024-01-01 to 2024-12-31

BALTIMORE COUNTY SMALL BUSINESS LOAN FUND INC, founded in 1996, is a micro nonprofit in the Community Improvement sector that reported $23K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $22K left a modest 7% surplus.

Mission

OUR MISSION IS TO HELP EXISTING AND FUTURE SMALL BUSINESSES EXPAND IN BALTIMORE COUNTY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $23,386

Investment Income $0

Other Revenue $0

TOTAL REVENUE $23,386

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $18,708

Other Expenses $21,686

TOTAL EXPENSES $21,686

Year-over-Year Comparison

	2024	2023	Change
Revenue	$23,386	$25,345	-0.1%
Expenses	$21,686	$23,046	-0.1%
Net Income	$1,700	$2,299	-0.3%

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
CARRIE SCHRIBER	DIRECTOR	1.00	Director	$0	$0	$0
DEREK DUBOIS	DIRECTOR	1.00	Director	$0	$0	$0
TRENT NEWMAN	DIRECTOR	1.00	Director	$0	$0	$0
ROD MORRISON	DIRECTOR	1.00	Director	$0	$0	$0
HUGH ROBINSON	DIRECTOR	1.00	Director	$0	$0	$0
STAN ARNOLD	DIRECTOR	1.00	Director	$0	$0	$0
AARON NODAR	DIRECTOR	1.00	Director	$0	$0	$0
NEIL BROWNAWELL	DIRECTOR	1.00	Director	$0	$0	$0
JASON FORRESTER	DIRECTOR	1.00	Director	$0	$0	$0
BART BOLAN	DIRECTOR	1.00	Director	$0	$0	$0
BRAD HECHT	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS EVANS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID HOWELL	DIRECTOR	1.00	Director	$0	$0	$0
BRAD RODIER	DIRECTOR	1.00	Director	$0	$0	$0
DAVID HARGADON	DIRECTOR	1.00	Director	$0	$0	$0
ED GRANT	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
MATT WILL	DIRECTOR	1.00	Director	$0	$0	$0
SESON TAYLOR-CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN SACHS	DIRECTOR	1.00	Officer	$0	$0	$0
STANLEY JACOBS	TREASURER	1.00	Officer	$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	No data	No data	No data	No data
2024	$23,386	$21,686	$1,508,535	$1,700
2023	$25,345	$23,046	$1,549,274	$2,299
2022	$30,708	$26,987	$1,636,111	$3,721
2021	$35,914	$30,721	$1,722,170	$5,193
2020	$46,864	$35,536	$1,818,341	$11,328

BALTIMORE COUNTY SMALL BUSINESS LOAN FUND INC