504 Capital Corporation (EIN 541239624) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1983

Legal Domicile

Phone

7576232691

Tax Period

2024-10-01 to 2025-09-30

504 CAPITAL CORPORATION, founded in 1983, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2018. Revenue grew 16% year-over-year, indicating healthy expansion. Net assets of $2.4M represent 27 months of operating reserves.

Mission

TO PROVIDE SMALL BUSINESS ADMINISTRATION SECTION 504 LOANS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,612,259

Investment Income $314,855

Other Revenue $0

TOTAL REVENUE $2,927,114

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,868,052

Fundraising Expenses $0

Program Expenses $0

Other Expenses $804,103

TOTAL EXPENSES $2,672,155

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,927,114	$2,685,861	+0.1%
Expenses	$2,672,155	$1,956,998	+0.4%
Net Income	$254,959	$728,863	-0.7%

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

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

$329,000

Total Directors

$329,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brent Swanson	President	40.0	Officer Director	$305,000	$24,000	$329,000
Joseph L Barnes Jr	Treasurer	1.0	Officer Director	$0	$0	$0
Tara F Saunders	Secretary	1.0	Officer Director	$0	$0	$0
David S Jolley	Director	1.0	Director	$0	$0	$0
Florence G Kingston	Director	1.0	Director	$0	$0	$0
Howard Wessells	Director	1.0	Director	$0	$0	$0
Phil Smith	Director	1.0	Director	$0	$0	$0
Christopher J Topping	Business Development Officer	40.0	Highest	$321,250	$0	$321,250
Kara E Cournoyer	Operations Officer	40.0	Highest	$172,500	$0	$172,500
Laura M Sawyer	Underwriter	40.0	Highest	$172,500	$12,000	$184,500

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	$2,927,114	$2,672,155	$5,090,012	$254,959
2024	$2,685,861	$1,956,998	$4,572,589	$728,863
2023	$2,391,150	$1,897,942	$3,755,978	$493,208
2022	$1,795,888	$1,695,518	$2,979,414	$100,370
2021	$1,683,143	$1,275,578	$3,189,994	$407,565
2020	$1,297,046	$1,147,976	$2,726,707	$149,070
2019	$1,090,491	$1,119,692	$2,603,995	$-29,201

504 Capital Corporation