LOUISIANA BUSINESS LOANS INC (EIN 720936420) - 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

1981

Legal Domicile

Principal Officer

JOHN W BRYANT

Phone

3183230878

Tax Period

2024-01-01 to 2024-12-31

LOUISIANA BUSINESS LOANS INC, founded in 1981, is a micro nonprofit that reported $84K in total revenue in fiscal year 2024. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $148K exceeded revenue, resulting in a 76% operating deficit.

Mission

ASSIST SMALL BUSINESSES WITH FINANCING.

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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 $76,050

Investment Income $7,753

Other Revenue $0

TOTAL REVENUE $83,803

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $147,842

Other Expenses $147,842

TOTAL EXPENSES $147,842

Year-over-Year Comparison

	2024	2023	Change
Revenue	$83,803	$122,162	-0.3%
Expenses	$147,842	$167,959	-0.1%
Net Income	$-64,039	$-45,797	+0.4%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN BRYANT	Executive Dir.	40.00	Director	$0	$0	$0
SURENDRA J PATEL	MEMBER	0.00	Director	$0	$0	$0
TODD BORDELON	MEMBER	0.00	Director	$0	$0	$0
RICK SIUDY	Treasurer	0.00	Officer	$0	$0	$0
GREG SCALLAN	President	0.00	Officer	$0	$0	$0
JIM WORTHEY	Vice President	0.00	Officer	$0	$0	$0
ROBERT E SCHOTT JR	Secretary	0.00	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
2024	$83,803	$147,842	No data	$-64,039
2023	$122,162	$167,959	$64,039	$-45,797
2022	$139,415	$175,230	$109,836	$-35,815
2021	$156,369	$170,245	$145,651	$-13,876
2020	$201,376	$180,600	$159,527	$20,776
2019	$198,978	$225,430	$138,751	$-26,452
2018	$204,086	$211,562	$165,203	$-7,476

LOUISIANA BUSINESS LOANS INC