SMALL BUSINESS CAPITAL CORPORATION

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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

1992

Legal Domicile

Principal Officer

JUDY A ROACH

Phone

9185843638

Tax Period

2024-10-01 to 2025-09-30

SMALL BUSINESS CAPITAL CORPORATION, founded in 1992, is a small nonprofit that reported $345K in total revenue in fiscal year 2024.

Mission

PROMOTE AND ADMINISTER THE SBA 504 LOAN PROGRAM FOR SMALL BUSINESSES THROUGHOUT OKLAHOMA.

Program Service Accomplishments

Program 1

Expenses: $298,283 Revenue: $262,681

PROVIDE SMALL BUSINESS CLIENTS WITH ASSISTANCE THROUGH SBA 504 LOANS TO STIMULATE PRIVATE SECTOR INVESTMENT IN LONG-TERM FIXED ASSETS, AND CREATE NEW JOBS. FUNDED THREE SMALL BUSINESS LOANS TOTALING...

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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 $262,681

Investment Income $82,148

Other Revenue $0

TOTAL REVENUE $344,829

Expense Breakdown

Grants Paid $0

Salaries & Benefits $256,126

Fundraising Expenses $0

Program Expenses $298,283

Other Expenses $80,275

TOTAL EXPENSES $336,401

Year-over-Year Comparison

	2024	2023	Change
Revenue	$344,829	$337,640	+0.0%
Expenses	$336,401	$334,103	+0.0%
Net Income	$8,428	$3,537	+1.4%

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

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

$238,660

Total Directors

$133,064

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDY A ROACH	PRESIDENT &	40.00	Officer Director	$125,000	$8,064	$133,064
JENNIFER REAGAN	VP/EXECUTIVE	40.00	Officer	$100,000	$5,596	$105,596
PAUL C BAUMAN	CHAIRMAN	N/A	Director	$0	$0	$0
RALPH T CUNNINGHAM	BOARD MEMBER	N/A	Director	$0	$0	$0
NICHOLAS M JONES	VICE CHAIRMA	N/A	Director	$0	$0	$0
PATRICIA R LEVERING	VP/SEC./TREA	N/A	Officer Director	$0	$0	$0
RUSTY LINKER	BOARD MEMBER	N/A	Director	$0	$0	$0
VIRGINIA C SCHULTE	VP/ASST. SEC	N/A	Officer Director	$0	$0	$0
EDWARD L SIMPSON	BOARD MEMBER	N/A	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	$344,829	$336,401	$378,986	$8,428
2024	$337,640	$334,103	$363,733	$3,537
2023	$331,555	$333,557	$353,144	$-2,002
2022	$280,630	$299,498	$360,944	$-18,868
2021	$367,395	$303,352	$407,544	$64,043
2020	$326,802	$281,098	$301,259	$45,704
2019	$383,252	$303,062	$235,556	$80,190
2018	$300,904	$338,991	$136,188	$-38,087