Civic Intelligence

Cape & Islands Community Development Inc

EIN 04-3286347 • 501(c)3 • Centerville, MA

Profile

To provide loans and technical assistance to small business owners in massachusetts utilizing federal funds from usda intermediary relending program (irp), usda rural microentrrepreneur (rmap) and u.s treasury community development financial institutions fund (cdfi)

5 Patti Page Way BCenterville, MA 02632

www.coastalcommunitycapital.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

66th percentile

0.34x

Higher debt load relative to assets than 66% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

89th percentile

2.11x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

83rd percentile

34%

Higher net margin than 83% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

72nd percentile

$267,504

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 12.9% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

46th percentile

3.2%

Faster asset growth than 46% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

81st percentile

37%

Faster revenue growth than 81% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$12,844,702

Up $398,610 (+3.2%) from 2024

Liabilities

Down

$4,392,529

Down $309,408 (-6.6%) from 2024

Net Assets

Up

$8,452,173

Up $708,018 (+9.1%) from 2024

Operations
Liabilities / Revenue89th percentileNet Margin83rd percentile

Revenue

Up

$2,079,597

Up $562,026 (+37%) from 2024

Expenses

Up

$1,371,579

Up $314,069 (+30%) from 2024

Net Income

Up

$708,018

Up $247,957 (+54%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $4,405,027Liabilities 2010: $2,664,893Net Assets 2010: $1,740,1342010Assets 2011: $5,157,517Liabilities 2011: $2,795,889Net Assets 2011: $2,361,6282011Assets 2012: $6,014,874Liabilities 2012: $3,081,473Net Assets 2012: $2,933,4012012Assets 2013: $6,527,765Liabilities 2013: $3,500,652Net Assets 2013: $3,027,1132013Assets 2014: $7,092,684Liabilities 2014: $4,058,348Net Assets 2014: $3,034,3362014Assets 2015: $7,051,375Liabilities 2015: $3,959,216Net Assets 2015: $3,092,1592015Assets 2016: $7,335,740Liabilities 2016: $4,183,438Net Assets 2016: $3,152,3022016Assets 2017: $7,751,997Liabilities 2017: $4,589,249Net Assets 2017: $3,162,7482017Assets 2018: $8,070,640Liabilities 2018: $4,839,340Net Assets 2018: $3,231,3002018Assets 2019: $8,433,512Liabilities 2019: $5,146,826Net Assets 2019: $3,286,6862019Assets 2020: $8,737,664Liabilities 2020: $5,389,480Net Assets 2020: $3,348,1842020Assets 2021: $8,808,619Liabilities 2021: $5,281,611Net Assets 2021: $3,527,0082021Assets 2022: $11,230,018Liabilities 2022: $5,202,075Net Assets 2022: $6,027,9432022Assets 2023: $12,164,504Liabilities 2023: $4,880,410Net Assets 2023: $7,284,0942023Assets 2024: $12,446,092Liabilities 2024: $4,701,937Net Assets 2024: $7,744,1552024Assets 2025: $12,844,702Liabilities 2025: $4,392,529Net Assets 2025: $8,452,1732025

Highlighted filing

2025

Assets$12,844,702
Liabilities$4,392,529
Net Assets$8,452,173
Open 2025 Filing

Operations Trend

Revenue Growth81st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $582,1312010Revenue 2011: $1,257,255Expenses 2011: $635,761Net Income 2011: $621,4942011Expenses 2012: $626,8642012Revenue 2013: $841,507Expenses 2013: $747,795Net Income 2013: $93,7122013Revenue 2014: $911,355Expenses 2014: $904,132Net Income 2014: $7,2232014Revenue 2015: $698,637Expenses 2015: $640,814Net Income 2015: $57,8232015Revenue 2016: $724,644Expenses 2016: $664,501Net Income 2016: $60,1432016Revenue 2017: $671,399Expenses 2017: $672,053Net Income 2017: -$6542017Revenue 2018: $1,212,776Expenses 2018: $1,201,887Net Income 2018: $10,8892018Revenue 2019: $858,169Expenses 2019: $802,783Net Income 2019: $55,3862019Revenue 2020: $995,783Expenses 2020: $934,285Net Income 2020: $61,4982020Revenue 2021: $971,955Expenses 2021: $793,131Net Income 2021: $178,8242021Revenue 2022: $3,405,067Expenses 2022: $904,132Net Income 2022: $2,500,9352022Revenue 2023: $2,234,340Expenses 2023: $978,189Net Income 2023: $1,256,1512023Revenue 2024: $1,517,571Expenses 2024: $1,057,510Net Income 2024: $460,0612024Revenue 2025: $2,079,597Expenses 2025: $1,371,579Net Income 2025: $708,0182025

Highlighted filing

2025

Revenue$2,079,597
Expenses$1,371,579
Net Income$708,018
Open 2025 Filing

Filings

Most recent year

2025 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$12,844,702
Liabilities
$4,392,529
Net assets
$8,452,173
Revenue
$2,079,597
Expenses
$1,371,579
Net income
$708,018
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.8$4.39$8.45$2.08$1.37$0.71
2024Detailed filing. Detailed filing data is available for this year.$12.4$4.70$7.74$1.52$1.06$0.46
2023Detailed filing. Detailed filing data is available for this year.$12.2$4.88$7.28$2.23$0.98$1.26
2022Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$11.2$5.20$6.03$3.41$0.90$2.50
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.81$5.28$3.53$0.97$0.79$0.18
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.74$5.39$3.35$1.00$0.93$0.06
2019Detailed filing. Detailed filing data is available for this year.$8.43$5.15$3.29$0.86$0.80$0.06
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.07$4.84$3.23$1.21$1.20$0.01
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.75$4.59$3.16$0.67$0.67$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.34$4.18$3.15$0.72$0.66$0.06
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$7.05$3.96$3.09$0.70$0.64$0.06
2014Detailed filing. Detailed filing data is available for this year.$7.09$4.06$3.03$0.91$0.90$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.53$3.50$3.03$0.84$0.75$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.01$3.08$2.93$0.63
2011Summary only. Only limited summary data is available for this year.$5.16$2.80$2.36$1.26$0.64$0.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.41$2.66$1.74$0.58
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2024 below.

Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
Sep 21, 2024
Return Version
2023v5.0
Gross Receipts
$1,517,571
Mission and Program Overview

Mission

Organizations misson and most significant activity is to provide loans and technicial assistance to small business owners in barnstable,dukes and nantucket counties on cape cod massachusetts through the utilization of federal funds from the usda intermediary loan program (irp),usda rural microentrepreneur (map),and the u.s.treasury community development financial institutions fund (cdfi).

To provide loans and technical assistance to small business owners in massachusetts utilizing federal funds from usda intermediary relending program (irp), usda rural microentrrepreneur (rmap) and u.s treasury community development financial institutions fund (cdfi)

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$3,152,107$2,789,664▼ $362,443
Other Notes and Loans Receivable, Net$458,443$1,418,438▲ $959,995
Savings and Temporary Cash Investments$2,256,874$782,617▼ $1,474,257
Accounts Receivable$10,653$282,101▲ $271,448
Land, Buildings, and Equipment, Net$18,761$16,354▼ $2,407
Prepaid Expenses and Deferred Charges-$6,010-
Total Assets$12,164,504$12,446,092▲ $281,588
Other Assets Total$6,267,666$7,150,908▲ $883,242
Liabilities
Mortgage Notes Payable Secured by Investment Property$4,879,498$4,604,688▼ $274,810
Other Liabilities-$73,418-
Accounts Payable and Accrued Expenses$912$23,831▲ $22,919
Total Liabilities$4,880,410$4,701,937▼ $178,473
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,973,594$7,470,678▲ $497,084
Net Assets With Donor Restrictions$310,500$273,477▼ $37,023
Total Net Assets Fund Balance$7,284,094$7,744,155▲ $460,061
Total Liabilities and Net Assets / Fund Balance$12,164,504$12,446,092▲ $281,588

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,154$30,006$35,160
Leasehold Improvements$11,200$800$12,000
Other Land Buildings-$3,200$3,200
Other Assets Org$3,500--
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeannine MarshallPresidentFT$269,256$13,556$282,812

Board Members and Trustees

NameTitle
Peter SmithChair
Michael GiancolaVice Chair
Alex RodolakisDirector
David AugustinhoDirector
Kelley SullivanDirector
Marlyn Agulnick-houseDirector
Christopher MurphyAssistant Tr
Mark SextonClerk
Martin HarperTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$406,526
Program Service Revenue
$972,515
Investment Income
$105,488
Other Revenue
$33,042
All Other Contributions
$406,526
Change in Net Assets
$460,061

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,517,571
Total Revenue per Audited Statements
$1,517,571
Total Revenue per Form 990
$1,517,571
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$684,549
Other Expenses$372,961
Total Fundraising Expense$36,740
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$571,015$67,178$33,589$671,782
Fees for Services Accounting$22,205$24,131-$46,336
Interest$42,788--$42,788
Information Technology$15,354$2,710-$18,064
Other Expenses$13,852$1,630$815$16,297
Other Employee Benefits$10,852$1,277$638$12,767
Insurance$8,086$1,876$937$10,899
Travel$9,183$1,621-$10,804
Office Expenses$6,467$759$381$7,607
Occupancy$4,425$521$260$5,206
Fees for Services Legal$883$4,311-$5,194
Depreciation Depletion$2,045$241$120$2,406
Total Functional Expenses$888,746$132,024$36,740$1,057,510

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,057,510
Total Expenses per Audited Statements$1,057,510
Total Expenses per Form 990$1,057,510
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$73,418
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“A full copy of the fiscal year end 990/990 schedules a & o as well as a complete copy of the form mass pc are provided to the board of directors prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Annually each employee must sign a statement saying they do not have any conflicts of interest.”

Form 990, Page 6, Part VI, Line 15A

“Compensation at all levels is voted upon by the full board of directors.”

Form 990, Page 6, Part VI, Line 15B

“Compensation at all levels is voted upon by the full board of directors.”

Form 990, Page 6, Part VI, Line 19

“Organization original documents, annual reports & audited financial statements are available to the general public upon request.”

Filing and Contact Details

Filer

Filer Name
Cape & Islands Community
EIN
04-3286347
Phone
5087904980
Address
5 PATTI PAGE WAY B, CENTERVILLE, MA 02632

Signing Officer

Name
Jeannine Marshall
Title
President
Phone
5087902921
Signed
2024-09-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeannine Marshall
Formed
1995
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
10
Employees
5

Preparer

Firm
Sanders Walsh & Eaton Cpas LLC
Address
PO BOX F, OSTERVILLE, MA 02655
Preparer
Joseph F Mcgee CPA
Phone
5084280790
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To provide loans and technical assistance to small business owners in massachusetts utilizing federal funds from usda intermediary relending program (irp), usda rural microentrrepreneur (rmap) and u.s treasury community development financial institutions fund (cdfi)”

Raw XML AppendixShowing 400 of 445 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0912
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt023831
IRS990/AccountsReceivableGrp/BOYAmt010653
IRS990/AccountsReceivableGrp/EOYAmt0282101
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO SMALL BUSINESS OWNERS IN MASSACHUSETTS UTILIZING FEDERAL FUNDS FROM USDA INTERMEDIARY RELENDING PROGRAM (IRP), USDA RURAL MICROENTRREPRENEUR (RMAP) AND U.S TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND (CDFI)
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IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0JEANNINE MARSHALL
IRS990/BooksInCareOfDetail/PhoneNum05087904980
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt05 PATTI PAGE WAY
IRS990/BooksInCareOfDetail/USAddress/CityNm0CENTERVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002632
IRS990/BusinessRlnWith35CtrlEntInd0false
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IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0406526
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0105488
IRS990/CYOtherExpensesAmt0372961
IRS990/CYOtherRevenueAmt033042
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IRS990/CYTotalFundraisingExpenseAmt036740
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IRS990/CYTotalRevenueAmt01517571
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IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt0120
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IRS990/DepreciationDepletionGrp/ProgramServicesAmt02045
IRS990/DepreciationDepletionGrp/TotalAmt02406
IRS990/Desc0ADMINISTER LOAN PROGRAMS AND TECHNICAL ASSISTANCE TO SMALL BUSINESS OWNERS IN MASSACHUSETTS.
IRS990/DescribedInSection501c3Ind0true
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IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
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IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0273477
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt0888746
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IRS990/FederalGrantAuditRequiredInd0true
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IRS990/FeesForServicesAccountingGrp/TotalAmt046336
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IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0883
IRS990/FeesForServicesLegalGrp/TotalAmt05194
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IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/InstitutionalTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
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IRS990/Form990PartVIISectionAGrp/PersonNm0PETER SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL GIANCOLA
IRS990/Form990PartVIISectionAGrp/PersonNm2MARTIN HARPER
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRISTOPHER MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm4MARK SEXTON
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID AUGUSTINHO
IRS990/Form990PartVIISectionAGrp/PersonNm6MARLYN AGULNICK-HOUSE
IRS990/Form990PartVIISectionAGrp/PersonNm7KELLEY SULLIVAN
IRS990/Form990PartVIISectionAGrp/PersonNm8ALEX RODOLAKIS
IRS990/Form990PartVIISectionAGrp/PersonNm9JEANNINE MARSHALL
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3ASSISTANT TR
IRS990/Form990PartVIISectionAGrp/TitleTxt4CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01995
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01517571
IRS990/GroupReturnForAffiliatesInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt07744155
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IRS990/OccupancyGrp/ProgramServicesAmt04425
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IRS990/OfficeExpensesGrp/FundraisingAmt0381
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0759
IRS990/OfficeExpensesGrp/ProgramServicesAmt06467
IRS990/OfficeExpensesGrp/TotalAmt07607
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IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt07150908
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0638
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt01277
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt010852
IRS990/OtherEmployeeBenefitsGrp/TotalAmt012767
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IRS990/OtherExpensesGrp/Desc1CONTRACT LABOR
IRS990/OtherExpensesGrp/Desc2OPERATING LEASES
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11630
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt0782617
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0LOAN RECOVERIES 0
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01317322
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt02554661
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0179329
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0256961
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt011457
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0179329
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0256961
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt04714799
IRS990ScheduleA/TotalSupportAmt04893064
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IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0800
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt012000
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt173418
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt23500
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0LOANS RECEIVABLE-LONG TERM PORTION
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OPERATING LEASE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2SECURITY DEPOSITS
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03200
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JEANNINE MARSHALL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
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IRS990ScheduleJ/SeverancePaymentInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO SMALL BUSINESS OWNERS IN MASSACHUSETTS UTILIZING FEDERAL FUNDS FROM USDA INTERMEDIARY RELENDING PROGRAM (IRP), USDA RURAL MICROENTRREPRENEUR (RMAP) AND U.S TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND (CDFI)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A FULL COPY OF THE FISCAL YEAR END 990/990 SCHEDULES A & O AS WELL AS A COMPLETE COPY OF THE FORM MASS PC ARE PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY EACH EMPLOYEE MUST SIGN A STATEMENT SAYING THEY DO NOT HAVE ANY CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION AT ALL LEVELS IS VOTED UPON BY THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION AT ALL LEVELS IS VOTED UPON BY THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ORGANIZATION ORIGINAL DOCUMENTS, ANNUAL REPORTS & AUDITED FINANCIAL STATEMENTS ARE AVAILABLE TO THE GENERAL PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
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