CAPITAL ACCESS CORPORATION - KENTUCKY (EIN 611332772) - 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

WILL FENSTERER

Phone

5025842175

Tax Period

2023-07-01 to 2024-06-30

CAPITAL ACCESS CORPORATION - KENTUCKY, founded in 1998, is a small nonprofit in the Recreation & Sports sector that reported $693K in total revenue in fiscal year 2023. The organization ran a surplus of $121K, a strong 17% operating margin.

Mission

TO PROMOTE AND ASSIST THE GROWTH AND DEVELOPMENT OF THE BUSINESS COMMUNITIES IN THE STATE OF KENTUCKY AND SOUTHERN INDIANA BY PROVIDING FINANCING THROUGH THE SBA 504 LOAN PROGRAM.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $532,325

Investment Income $159,111

Other Revenue $1,079

TOTAL REVENUE $692,515

Expense Breakdown

Grants Paid $460

Salaries & Benefits $392,500

Fundraising Expenses $0

Other Expenses $178,413

TOTAL EXPENSES $571,373

Year-over-Year Comparison

	2023	2022	Change
Revenue	$692,515	$653,277	+0.1%
Expenses	$571,373	$561,008	+0.0%
Net Income	$121,142	$92,269	+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

$189,960

Total Directors

$189,960

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILL FENSTERER	PRESIDENT/CEO	40.00	Officer Director	$179,160	$10,800	$189,960
MICHAEL GRAY	SECRETARY	1.00	Officer Director	$0	$0	$0
BILL CHEATHAM	CHAIR	1.00	Director	$0	$0	$0
ERICA SIMRALL	DIRECTOR	1.00	Director	$0	$0	$0
JEFF O'BRIAN	DIRECTOR	1.00	Director	$0	$0	$0
RODNEY WEAVER	DIRECTOR	1.00	Director	$0	$0	$0
BRAD SAVKO	DIRECTOR	1.00	Director	$0	$0	$0
MARK HARDIN	DIRECTOR (BEG FY 24)	1.00	Director	$0	$0	$0
DARRYL YOUNG JR	DIRECTOR (END FY 24)	1.00	Director	$0	$0	$0
BRIAN BENNETT	DIRECTOR (END FY 24)	1.00	Director	$0	$0	$0
JEREMY JARVI	DIRECTOR (END FY 24)	1.00	Director	$0	$0	$0
TONI SEARS	DIRECTOR (END FY 24)	1.00	Director	$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	$692,515	$571,373	$1,358,411	$121,142
2023	$653,277	$561,008	$1,270,677	$92,269
2022	$636,362	$680,326	$1,120,026	$-43,964

CAPITAL ACCESS CORPORATION - KENTUCKY