NASHVILLE, TN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING, founded in 1999, is a mid-sized nonprofit in the Employment sector that reported $65.1M in total revenue in fiscal year 2024. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $35.3M, a strong 54% operating margin.
TO PROVIDE LENDING SOLUTIONS AND EDUCATIONAL SERVICES WHICH SUPPORT THE DEVELOPMENT, GROWTH, AND PRESERVATION OF UNDERSERVED SMALL BUSINESSES, AFFORDABLE HOUSING, AND SUSTAINABLE COMMUNITIES.
LENDING PROGRAM: AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) CERTIFIED BY THE U.S. DEPARTMENT OF THE TREASURY, SOUTHEAST COMMUNITY CAPITAL DBA PATHWAY LENDING PROVIDES FINANCING FOR...
LENDING PROGRAM: AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) CERTIFIED BY THE U.S. DEPARTMENT OF THE TREASURY, SOUTHEAST COMMUNITY CAPITAL DBA PATHWAY LENDING PROVIDES FINANCING FOR AFFORDABLE MULTIFAMILY HOUSING AND LOANS TO QUALIFIED SMALL AND DISADVANTAGED BUSINESSES THROUGH VARIOUS GOVERNMENT AND NON-PROFIT LENDING PROGRAMS, INCLUDING: U.S. SMALL BUSINESS ADMINISTRATION (SBA), U.S. TREASURY DEPARTMENT CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI), THE APPALACHIAN REGIONAL COMMISSION (ARC), THE TENNESSEE RURAL OPPORTUNITY FUND, THE TENNESSEE ENERGY EFFICIENCY LOAN PROGRAM, THE TENNESSEE SMALL BUSINESS JOB OPPORTUNITY FUND AND THE ALABAMA SMALL BUSINESS JOB OPPORTUNITY FUND, ETC. WE FOCUS OUR ACTIVITIES ON UNDERSERVED TARGET MARKETS THAT INCLUDE BUSINESSES LOCATED IN QUALIFIED INVESTMENT AREAS (AS DEFINED BY LOW-INCOME CENSUS TRACTS, POVERTY RATES, AND UNEMPLOYMENT STATISTICS), AND AFRICAN AMERICAN OWNED BUSINESSES. OUR SERVICE AREA INCLUDES TENNESSEE AND ALABAMA, AS WELL AS PORTIONS OF MISSISSIPPI, ARKANSAS, AND KENTUCKY.SOUTHEAST COMMUNITY CAPITAL CORPORATION MADE 147 LOANS AND LINES OF CREDIT TOTALING MORE THAN $16.7MM TO SUPPORT THE CREATION, PRESERVATION, AND GROWTH OF SMALL BUSINESSES IN 2024. THE ORGANIZATION ALSO SUPPORTED COMMERCIAL REAL ESTATE, AFFORDABLE HOUSING AND MIXED-USE REAL ESTATE INITIATIVES BY MAKING 21 LOANS TOTALING OVER $17.3MM TO SUPPORT THE ACQUISITION, DEVELOPMENT, AND REHABILITATION OF COMMERCIAL REAL ESTATE, 9 LOANS TOTALING OVER $16.1MM TO SUPPORT AFFORDABLE MULTIFAMILY RENTAL HOUSING, AND 3 LOANS TOTALING OVER $1.3MM TO SUPPORT MIXED-USE DEVELOPMENTS IN THE MEMPHIS MEDICAL DISTRICT, WHICH RESULTED IN THE CREATION AND PRESERVATION OF APPROXIMATELY 162 RENTAL UNITS. SOUTHEAST COMMUNITY CAPITAL CORPORATION ALSO OFFERS CLIMATE-CENTERED LOANS. IN 2024, IT MADE 26 LOANS TOTALING APPROXIMATELY $8.8MM TO SUPPORT THE IMPLEMENTATION OF ENERGY EFFICIENCY AND RENEWABLE ENERGY PROJECTS AT BUSINESSES ACROSS TENNESSEE. TOTAL ANNUAL ENERGY SAVINGS FROM THE ENERGY LOANS WERE $364,982 WITH 3,406,854 KWH GENERATED THROUGH RENEWABLE SOURCES OR SAVED THROUGH EFFICIENCY EFFORTS.
EDUCATIONAL PROGRAM: SOUTHEAST COMMUNITY CAPITAL CORPORATION PROVIDES BUSINESS EDUCATION AND TECHNICAL ASSISTANCE TO SMALL AND DISADVANTAGED BUSINESSES THROUGH VARIOUS GOVERNMENT AND NON-PROFIT...
EDUCATIONAL PROGRAM: SOUTHEAST COMMUNITY CAPITAL CORPORATION PROVIDES BUSINESS EDUCATION AND TECHNICAL ASSISTANCE TO SMALL AND DISADVANTAGED BUSINESSES THROUGH VARIOUS GOVERNMENT AND NON-PROFIT SUPPORT PROGRAMS, INCLUDING: THE U.S. SMALL BUSINESS ADMINISTRATION AND VARIOUS FOUNDATIONS. SOUTHEAST COMMUNITY CAPITAL CORPORATION PROVIDES THIS THROUGH VARIOUS INTERNAL PROGRAMS, SUCH AS THE PATHWAY LENDING BUSINESS ADVISORY SERVICES TEAM, EMERGING DEVELOPER PROGRAM, WOMEN'S BUSINESS CENTER, AND VETERANS BUSINESS OUTREACH CENTER. THE ASSISTANCE INCLUDES ACCESS TO FINANCIAL SERVICES, ACCESS TO CAPITAL NEEDS AND INCLUDES CLASSROOM EDUCATION, 1-ON-1 ASSISTANCE, AND PEER LEARNING.IN 2024 SOUTHEAST COMMUNITY CAPITAL CORPORATION PROVIDED 14,957 HOURS OF EDUCATION; 9,399 WERE IN CLASSROOM/EVENTS SETTINGS, 5,558 WERE ONE-ON-ONE COUNSELING SESSIONS. THERE WERE 2,874 UNIQUE EDUCATION CLIENTS SERVED, 74% WERE REPRESENTATIVE OF PATHWAY LENDING'S CDFI TARGET MARKETS (AS DEFINED BY BEING LOCATED IN QUALIFIED LOW-TO-MODERATE INCOME CENSUS TRACTS, OR HAVING A MAJORITY LOW-INCOME OR MINORITY OWNER), WITH 40% BEING FEMALE, AND 53% BEING AFRICAN AMERICAN. THERE WERE 73 CLASSES, NETWORKING EVENTS, AND COHORT-BASED LEARNING SESSIONS CONDUCTED THAT FOCUSED ON ENTREPRENEURIAL EDUCATION IN AREAS SUCH AS CASH FLOW MANAGEMENT, FINANCIAL PREPARATION, REVENUE AND EXPENSE PROJECTIONS, ACCOUNTING SYSTEMS, AND MANAGEMENT.
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)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $65,102,054 | $45,168,768 | +0.4% |
| Expenses | $29,767,322 | $30,862,346 | 0.0% |
| Net Income | $35,334,732 | $14,306,422 | +1.5% |
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 |
|---|---|---|---|---|---|---|
| DR WILLIAM H HERB BYRD III | CHAIRMAN | 1.50 |
Officer
Director
|
$0 | $0 | $0 |
| IVANETTA DAVIS-SAMUELS | VICE CHAIRMAN | 1.50 |
Officer
Director
|
$0 | $0 | $0 |
| LEROY ABRAHAMS | DIRECTOR (START 5/24) | 1.50 |
Director
|
$0 | $0 | $0 |
| DAVE BEREZOV | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| ANDRE GIST | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| CINDY HERRON | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| HUGH QUEENER | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| TOM HUNTER | DIRECTOR (END 5/24) | 1.50 |
Director
|
$0 | $0 | $0 |
| JON DAVIES | DIRECTOR (END 5/24) | 1.50 |
Director
|
$0 | $0 | $0 |
| BARBARA HARRIS | EVP AND CFO (END 6/24) | 50.00 |
Officer
|
$411,193 | $16,693 | $427,886 |
| CLINT GWIN | PRESIDENT AND CEO | 50.00 |
Officer
|
$562,522 | $15,264 | $577,786 |
| HANK HELTON | EVP AND SECRETARY | 50.00 |
Officer
|
$382,330 | $17,324 | $399,654 |
| AMY BUNTON | EVP AND COO | 50.00 |
Officer
|
$377,356 | $32,444 | $409,800 |
| RICHARD BIRD | EVP AND CFO | 50.00 |
Officer
|
$280,293 | $16,880 | $297,173 |
| JAMES MIKE BLACKWELL | SVP- CHIEF CREDIT OFFICER | 50.00 |
Key Emp
|
$228,688 | $752 | $229,440 |
| DANIEL WILSON | SVP- LOAN OPERATIONS | 50.00 |
Key Emp
|
$240,064 | $12,605 | $252,669 |
| LESLIE HAYES | SVP- EDUCATION AND ENTRE | 50.00 |
Key Emp
|
$197,857 | $24,068 | $221,925 |
| LORI ROCHELLE | SVP- CHIEF PEOPLE OFFICER | 50.00 |
Key Emp
|
$201,503 | $9,532 | $211,035 |
| KEITH HICKEY | SVP- LENDING | 50.00 |
Highest
|
$157,690 | $13,916 | $171,606 |
| PAUL HOFFMANN | SVP- ECONOMIC & SOCIAL IMPACT | 50.00 |
Highest
|
$158,407 | $13,299 | $171,706 |
| JONATHAN EISEN | VP LENDING | 50.00 |
Highest
|
$167,557 | $26,481 | $194,038 |
| BRANDON ENGLAND | SVP- SUSTAINABILITY PROGRAMS | 50.00 |
Highest
|
$153,044 | $11,896 | $164,940 |
| LORRAINE BIGGS | SVP- CONTROLLER | 50.00 |
Highest
|
$163,271 | $12,786 | $176,057 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $65,102,054 | $29,767,322 | $368,094,372 | $35,334,732 |
| 2023 | $45,168,768 | $30,862,346 | $336,197,905 | $14,306,422 |
| 2022 | $34,352,914 | $29,477,351 | $283,577,378 | $4,875,563 |
| 2021 | $22,555,455 | $13,260,211 | $264,396,878 | $9,295,244 |
| 2020 | $20,413,969 | $18,652,385 | $190,692,663 | $1,761,584 |
| 2019 | $14,001,356 | $10,179,844 | $188,207,333 | $3,821,512 |
| 2018 | $12,984,889 | $13,683,273 | $155,604,838 | $-698,384 |
Compare SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING with other nonprofits in Tennessee and across the country.