Pathway Capital Funding Inc (EIN 861229173) - 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

2020

Legal Domicile

Principal Officer

Pamela Stewart

Phone

5618458055

Tax Period

2024-10-01 to 2025-09-30

Pathway Capital Funding Inc, founded in 2020, is a small nonprofit in the Community Improvement sector that reported $262K in total revenue in fiscal year 2024. Revenue fell 55% from the prior year — a significant decline worth monitoring. Expenses of $360K exceeded revenue, resulting in a 37% operating deficit.

Mission

leveling the playing field in procurement opportunities, Pathway Capital Funding, Inc., is committed to providing affordable loans, coaching and connections to underserved small businesses in low- and- moderate income areas of Palm Beach County.

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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 $150,381

Program Service Revenue $73,369

Investment Income $38,578

Other Revenue $0

TOTAL REVENUE $262,328

Expense Breakdown

Grants Paid $0

Salaries & Benefits $150,294

Fundraising Expenses $0

Program Expenses $304,394

Other Expenses $209,367

TOTAL EXPENSES $359,661

Year-over-Year Comparison

	2024	2023	Change
Revenue	$262,328	$588,943	-0.6%
Expenses	$359,661	$223,258	+0.6%
Net Income	$-97,333	$365,685	-1.3%

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

$48,960

Total Directors

$48,960

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pamela Stewart	President	40.00	Officer Director	$48,960	$0	$48,960
Jamie Howe	Director	2.00	Director	$0	$0	$0
Timpthy B Thompson	Director	2.00	Director	$0	$0	$0
Steven L Eassa	Treasurer	2.00	Officer Director	$0	$0	$0
Charles W Keys III	Chairman	2.00	Director	$0	$0	$0
Sean Chaderton	Secretary	2.00	Officer Director	$0	$0	$0
Randy Walker	Director	2.00	Director	$0	$0	$0
Alexis Rosario	Director	2.00	Director	$0	$0	$0
Bobby Saint-Preux	Vice Chairman	2.00	Director	$0	$0	$0
Maya Chandler	DIRECTOR	2.00	Director	$0	$0	$0
Edwin Ferguson	DIRECTOR	2.00	Director	$0	$0	$0
Bryant Ruiz	Director	2.00	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	$262,328	$359,661	$4,020,825	$-97,333
2024	$1,188,943	$223,258	$4,105,553	$965,685
2023	$91,118	$240,862	$1,916,711	$-149,744
2022	$481,402	$261,538	$1,188,574	$219,864
2021	$480,000	$13,717	$466,478	$466,283

Pathway Capital Funding Inc