ACCESS TO CAPITAL FOR ENTREPRENEURS INC (EIN 582383669) - 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

1998

Legal Domicile

Principal Officer

MARTINA EDWARDS

Phone

6783355600

Tax Period

2024-01-01 to 2024-12-31

ACCESS TO CAPITAL FOR ENTREPRENEURS INC, founded in 1998, is a mid-sized nonprofit in the Community Improvement sector that reported $25.0M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $9.6M, a strong 39% operating margin.

Mission

TO PROVIDE LOANS TO HELP SMALL BUSINESSES GROW BY REMOVING BARRIERS TO CAPITAL ACCESS.

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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 $12,825,287

Program Service Revenue $10,096,948

Investment Income $2,112,672

Other Revenue $0

TOTAL REVENUE $25,034,907

Expense Breakdown

Grants Paid $4,000

Salaries & Benefits $5,707,150

Fundraising Expenses $688,595

Program Expenses $12,105,316

Other Expenses $9,673,844

TOTAL EXPENSES $15,384,994

Year-over-Year Comparison

	2024	2023	Change
Revenue	$25,034,907	$26,987,407	-0.1%
Expenses	$15,384,994	$13,729,086	+0.1%
Net Income	$9,649,913	$13,258,321	-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

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

$674,951

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL ZAWROTNY	BOARD CHAIR	5.00	Officer Director	$0	$0	$0
SIBYL SLADE	VICE CHAIR	5.00	Officer Director	$0	$0	$0
GRACE LOPEZ-WILLIAMS	TREASURER & FINANCE COMMITTEE CHAIR	5.00	Officer Director	$0	$0	$0
DALE ROYAL	SECRETARY	5.00	Officer Director	$0	$0	$0
MIGUEL ALANDETE	BOARD MEMBER & LOAN COMMITTEE CHAIR	5.00	Director	$0	$0	$0
MATT BOZZELLI	IMMEDIATE PAST BOARD CHAIR	5.00	Director	$0	$0	$0
MARY KEPLER	BOARD MEMBER	5.00	Director	$0	$0	$0
MARVIN LIM	BOARD MEMBER	5.00	Director	$0	$0	$0
HOLLIS LINGINFLETER	BOARD MEMBER & INVESTMENT COMM.CHAIR	5.00	Director	$0	$0	$0
STEPHANIE MARTIN	BOARD MEMBER	5.00	Director	$0	$0	$0
CARLOS MATA	BOARD MEMBER	5.00	Director	$0	$0	$0
CANDY MOORE	BOARD MEMBER	5.00	Director	$0	$0	$0
COURTNEY SMITH	BOARD MEMBER	5.00	Director	$0	$0	$0
GRACE C FRICKS	PRESIDENT & CEO	40.00	Officer	$531,104	$19,572	$550,676
BOB GALLAGHER	CHIEF FINANCIAL OFFICER	40.00	Officer	$124,275	$0	$124,275
SHANON STEWART	CHIEF CREDIT OFFICER	40.00	Highest	$215,310	$11,500	$226,810
MARTINA EDWARDS	CHIEF OF STRATEGIC PARTNERSHIPS	40.00	Highest	$175,659	$21,964	$197,623
SANDRA HEADLEY	VICE PRESIDENT	40.00	Highest	$176,684	$6,720	$183,404
RAYNARD CLAY	DIRECTOR OF LENDING	40.00	Highest	$169,503	$6,459	$175,962
RAY PENNIE	PRESIDENT OF BUSINESS DEVELOPMENT	40.00	Highest	$169,294	$4,890	$174,184

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
2024	$25,034,907	$15,384,994	$134,325,923	$9,649,913
2023	$26,987,407	$13,729,086	$121,181,835	$13,258,321
2022	$13,820,713	$7,021,021	$106,342,633	$6,799,692
2021	$11,013,240	$5,395,685	$88,796,114	$5,617,555
2020	$17,966,232	$8,283,318	$72,027,539	$9,682,914
2019	$8,731,583	$5,415,460	$41,582,167	$3,316,123
2018	$4,681,479	$4,086,491	$32,376,095	$594,988

ACCESS TO CAPITAL FOR ENTREPRENEURS INC