SMALL BUSINESS CAPITAL FUND OF MS (EIN 640835598) - 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

CLARENCE MAHOLMES

Phone

6017133322

Tax Period

2019-01-01 to 2019-12-31

SMALL BUSINESS CAPITAL FUND OF MS, founded in 1996, is a small nonprofit in the Community Improvement sector that reported $254K in total revenue in fiscal year 2019. Revenue surged 341% from the prior year, signaling strong growth momentum. Expenses of $244K left a modest 4% surplus.

Mission

To stimulate and foster economic dev. by providing eduation, mentoring and assisting the minoriy business community in obtaining loans

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $136,145

Investment Income $117,890

Other Revenue $0

TOTAL REVENUE $254,035

Expense Breakdown

Grants Paid $0

Salaries & Benefits $139,634

Fundraising Expenses $0

Program Expenses $138,738

Other Expenses $104,139

TOTAL EXPENSES $243,773

Year-over-Year Comparison

	2019	2018	Change
Revenue	$254,035	$57,624	+3.4%
Expenses	$243,773	$226,365	+0.1%
Net Income	$10,262	$-168,741	-1.1%

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

N/A

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

$72,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREA HENDRICKS	EXECUTIVE DIRECTOR	40	Key Emp	$72,000	$0	$72,000
J R JONES	CHAIRMAN	4	Officer	$0	$0	$0
CLARENCE MAHOLMES	SECRETARY/TREASURER\	1	Officer	$0	$0	$0
SASHA CASTRO	DIRECTOR	1	Director	$0	$0	$0
GLENDSCENE WILLIAMS	DIRECTOR	1	Director	$0	$0	$0
BISHOP ANTHONY THOMPSON	DIRECTOR	1	Director	$0	$0	$0
MITCHELL JOHNSON	DIRECTOR	1	Director	$0	$0	$0
LUIGI DOMINIGHINI	DIRECTOR	1	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
2019	$254,035	$243,773	$2,709,517	$10,262

SMALL BUSINESS CAPITAL FUND OF MS