DREAMSPRING

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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

1994

Legal Domicile

Principal Officer

SUZETTE M LONGFELLOW

Phone

5052438844

Tax Period

2024-01-01 to 2024-12-31

DREAMSPRING, founded in 1994, is a mid-sized nonprofit in the Community Improvement sector that reported $14.5M in total revenue in fiscal year 2024.

Mission

DREAMSPRING INCREASES ACCESS TO BUSINESS CREDIT, MAKES LOANS AND PROVIDES TRAINING WHICH ENABLE UNDERSERVED ENTREPRENEURS TO REALIZE THEIR DREAMS AND BE CATALYSTS FOR POSITIVE ECONOMIC AND SOCIAL CHANGE.

Program Service Accomplishments

Program 1

Expenses: $12,629,620 Revenue: $6,389,569

DREAMSPRING PROVIDES TOOLS TO HELP SMALL BUSINESSES OPERATE, GROW OR START THEIR BUSINESS. WE INCREASE ACCESS TO BUSINESS CREDIT, MAKE LOANS AND PROVIDE TRAINING TO HELP ENTREPRENEURS THRIVE. IN 2024...

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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 $5,043,051

Program Service Revenue $6,272,913

Investment Income $3,094,672

Other Revenue $116,656

TOTAL REVENUE $14,527,292

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,519,315

Fundraising Expenses $834,266

Program Expenses $12,629,620

Other Expenses $8,763,847

TOTAL EXPENSES $14,283,162

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,527,292	$14,674,824	0.0%
Expenses	$14,283,162	$23,123,632	-0.4%
Net Income	$244,130	$-8,448,808	-1.0%

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

$1,019,375

Total Directors

Key Employees

$176,543

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANTHONY SHARETT	BAORD CHAIR	2.00	Officer Director	$0	$0	$0
IRV ASHFORD JR	SECRETARY	2.00	Officer Director	$0	$0	$0
ALICE RODRIGUEZ	VICE CHAIR	2.00	Officer Director	$0	$0	$0
VIRGINIA BAYLESS	TREASURER	2.00	Officer Director	$0	$0	$0
EDMOND JOHNSON	IMMMEDIATE PAST CHAIR	2.00	Officer Director	$0	$0	$0
BETTY ARKELL	DIRECTOR	2.00	Director	$0	$0	$0
YASHODA NAIDOO	DIRECTOR	2.00	Director	$0	$0	$0
JERRIE MERRITT	DIRECTOR	2.00	Director	$0	$0	$0
KIM PEONE	DIRECTOR	2.00	Director	$0	$0	$0
MANNY ALVAREZ	DIRECTOR	2.00	Director	$0	$0	$0
ANNE HAINES	PRESIDENT & CEO	40.00	Officer	$281,915	$14,743	$296,658
SUZETTE M LONGFELLOW	CHIEF FINANCIAL OFFICER	40.00	Officer	$216,914	$12,793	$229,707
MARISA BARRERA	CHIEF IMPACT OFFICER	40.00	Officer	$187,827	$5,989	$193,816
FRANCISCO LOPEZ	CHIEF OPERATIONS & INNOVATION OFFICER	40.00	Officer	$114,248	$177	$114,425
MARGARET SMITH	CHIEF LENDING & CLIENT EXP OFFICER	40.00	Officer	$173,285	$11,484	$184,769
AMBER MARIE KANI	HEAD OF STAKEHOLDER ENGAGEMENT	40.00	Key Emp	$165,299	$11,244	$176,543
ANALISA SMITH	SR. DIRECTOR OF FINANCE	40.00	Highest	$134,662	$10,325	$144,987
DARCIE DEFOE	DIRECTOR OF MARKETING	40.00	Highest	$133,992	$10,305	$144,297

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	$14,527,292	$14,283,162	$69,204,204	$244,130
2023	$14,674,824	$23,123,632	$72,311,430	$-8,448,808
2022	$25,867,927	$20,150,364	$95,789,629	$5,717,563
2021	$25,298,598	$9,091,537	$203,163,761	$16,207,061
2020	$17,695,562	$15,515,956	$92,025,236	$2,179,606
2019	$9,666,881	$12,190,987	$51,851,931	$-2,524,106