MARKETING SMALL BUSINESS FINANCE C… - Form 990 Financial Data

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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

1985

Legal Domicile

Tax Period

2024-10-01 to 2025-09-30

MARKETING SMALL BUSINESS FINANCE CORP, founded in 1985, is a small nonprofit in the Community Improvement sector that reported $681K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year.

Mission

To promote socio-economic development by operating a Certified Economic Development Company- a Nonprofit regulated by the SBA and OIG- focused on helpingsmall businessess secure financing through banks, creditunion

Program Service Accomplishments

Program 1

Expenses: $688,106 Revenue: $681,080

In the fiscal year 2024, the organization provided direct support service to entrepreneurs seeking financing for their small businesses Puerto Rico. As a result of these efforts 52 small businesses success- fully secured financing, totaling $41,691,892 in approved funding. The organization offered individualized assistance throughout the applica- tion and closing process, including documentation preparation, lender communication, and complice support. These services were provided for a fee; no grants were awarded as part of this 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $668,992

Investment Income $0

Other Revenue $12,088

TOTAL REVENUE $681,080

Expense Breakdown

Grants Paid $0

Salaries & Benefits $329,804

Fundraising Expenses $0

Program Expenses $688,106

Other Expenses $358,302

TOTAL EXPENSES $688,106

Year-over-Year Comparison

	2024	2023	Change
Revenue	$681,080	$757,169	-0.1%
Expenses	$688,106	$744,910	-0.1%
Net Income	$-7,026	$12,259	-1.6%

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

N/A

Independent Members

N/A

Employees

N/A

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

$130,380

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAFAEL RIVERA TORRES	VICEPRESIDENT	50.00	Director	$80,400	$0	$80,400
ZORITSA PEREZ	PRESIDENT	50.00	Director	$49,980	$0	$49,980

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	$681,080	$688,106	$2,188,632	$-7,026
2024	$757,169	$777,348	$2,045,959	$-20,179
2024	$757,169	$777,348	$2,045,959	$-20,179

MARKETING SMALL BUSINESS FINANCE CORP