Civic Intelligence

Lowell Community Loan Fund Inc

EIN 04-3571892 • 501(c)3 • Lawrence, MA

Profile

To advance community revitalization and development in the merrimack valley by providing appropriate loan programs and technical assistance to low and moderate income communities.

50 Island Street Suite 103Lawrence, MA 01840

www.mvcdfi.org

Siviq Scores

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

Liabilities / Assets

80th percentile

0.58x

Higher debt load relative to assets than 80% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

2.08x

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

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

65th percentile

13%

Higher net margin than 65% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

64th percentile

$229,975

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

83rd percentile

21%

Faster asset growth than 83% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

40th percentile

2.6%

Faster revenue growth than 40% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$24,176,225

Up $4,163,876 (+21%) from 2023

Liabilities

Up

$14,044,660

Up $3,318,488 (+31%) from 2023

Net Assets

Up

$10,131,565

Up $845,388 (+9.1%) from 2023

Operations
Liabilities / Revenue89th percentileNet Margin65th percentile

Revenue

Up

$6,745,373

Up $171,311 (+2.6%) from 2023

Expenses

Up

$5,899,985

Up $247,182 (+4.4%) from 2023

Net Income

Down

$845,388

Down $75,871 (-8.2%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$30M$20M$10M$0Assets 2010: $434,841Liabilities 2010: $175,558Net Assets 2010: $259,2832010Assets 2011: $977,413Liabilities 2011: $221,074Net Assets 2011: $756,3392011Assets 2012: $938,016Liabilities 2012: $246,538Net Assets 2012: $691,4782012Assets 2013: $1,004,794Liabilities 2013: $353,816Net Assets 2013: $650,9782013Assets 2014: $1,103,334Liabilities 2014: $317,718Net Assets 2014: $785,6162014Assets 2015: $1,178,417Liabilities 2015: $342,444Net Assets 2015: $835,9732015Assets 2016: $1,754,994Liabilities 2016: $798,532Net Assets 2016: $956,4622016Assets 2017: $2,352,730Liabilities 2017: $997,770Net Assets 2017: $1,354,9602017Assets 2018: $6,277,930Liabilities 2018: $4,684,780Net Assets 2018: $1,593,1502018Assets 2019: $4,519,661Liabilities 2019: $3,159,135Net Assets 2019: $1,360,5262019Assets 2020: $5,666,466Liabilities 2020: $4,456,456Net Assets 2020: $1,210,0102020Assets 2021: $8,334,796Liabilities 2021: $5,035,669Net Assets 2021: $3,299,1272021Assets 2022: $14,450,665Liabilities 2022: $6,427,599Net Assets 2022: $8,023,0662022Assets 2023: $20,012,349Liabilities 2023: $10,726,172Net Assets 2023: $9,286,1772023Assets 2024: $24,176,225Liabilities 2024: $14,044,660Net Assets 2024: $10,131,5652024

Highlighted filing

2024

Assets$24,176,225
Liabilities$14,044,660
Net Assets$10,131,565
Open 2024 Filing

Operations Trend

Revenue Growth40th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $141,8232010Expenses 2011: $137,6912011Expenses 2012: $143,1872012Revenue 2013: $116,222Expenses 2013: $156,722Net Income 2013: -$40,5002013Revenue 2014: $275,156Expenses 2014: $140,518Net Income 2014: $134,6382014Revenue 2015: $217,061Expenses 2015: $166,704Net Income 2015: $50,3572015Revenue 2016: $389,337Expenses 2016: $268,848Net Income 2016: $120,4892016Revenue 2017: $767,035Expenses 2017: $368,537Net Income 2017: $398,4982017Revenue 2018: $1,335,777Expenses 2018: $1,047,587Net Income 2018: $288,1902018Revenue 2019: $2,572,408Expenses 2019: $2,805,032Net Income 2019: -$232,6242019Revenue 2020: $1,121,359Expenses 2020: $1,271,365Net Income 2020: -$150,0062020Revenue 2021: $3,489,371Expenses 2021: $1,400,254Net Income 2021: $2,089,1172021Revenue 2022: $8,158,806Expenses 2022: $3,434,867Net Income 2022: $4,723,9392022Revenue 2023: $6,574,062Expenses 2023: $5,652,803Net Income 2023: $921,2592023Revenue 2024: $6,745,373Expenses 2024: $5,899,985Net Income 2024: $845,3882024

Highlighted filing

2024

Revenue$6,745,373
Expenses$5,899,985
Net Income$845,388
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$24,176,225
Liabilities
$14,044,660
Net assets
$10,131,565
Revenue
$6,745,373
Expenses
$5,899,985
Net income
$845,388
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.2$14.0$10.1$6.75$5.90$0.85
2023Detailed filing. Detailed filing data is available for this year.$20.0$10.7$9.29$6.57$5.65$0.92
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$6.43$8.02$8.16$3.43$4.72
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.33$5.04$3.30$3.49$1.40$2.09
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.67$4.46$1.21$1.12$1.27$0.15
2019Detailed filing. Detailed filing data is available for this year.$4.52$3.16$1.36$2.57$2.81$0.23
2018Detailed filing. Detailed filing data is available for this year.$6.28$4.68$1.59$1.34$1.05$0.29
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.35$1.00$1.35$0.77$0.37$0.40
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$1.75$0.80$0.96$0.39$0.27$0.12
2015Detailed filing. Detailed filing data is available for this year.$1.18$0.34$0.84$0.22$0.17$0.05
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$1.10$0.32$0.79$0.28$0.14$0.13
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$1.00$0.35$0.65$0.12$0.16$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.94$0.25$0.69$0.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.98$0.22$0.76$0.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.43$0.18$0.26$0.14
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 18, 2025
Return Version
2024v5.2
Gross Receipts
$6,745,373
Mission and Program Overview

Mission

To advance community revitalization and development in the merrimack valley by providing appropriate loan programs and technical assistance to low and moderate income communities.

Grow the assets and wealth of historically disinvested individuals and their communities by providing a combination of robust advice, resourced networks and capital in the merrimack valley and across massachusetts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,877,223$9,042,207▲ $6,164,984
Other Notes and Loans Receivable, Net$7,542,828$8,213,213▲ $670,385
Cash and Non-Interest-Bearing Accounts$6,053,680$2,667,121▼ $3,386,559
Investments Program Related$1,701,852$2,201,852▲ $500,000
Pledges and Grants Receivable$1,032,669$1,404,336▲ $371,667
Accounts Receivable$74,562$203,884▲ $129,322
Prepaid Expenses and Deferred Charges$116,099$113,214▼ $2,885
Investments in Publicly Traded Securities$10,566--
Land, Buildings, and Equipment, Net$0--
Total Assets$20,012,349$24,176,225▲ $4,163,876
Other Assets Total$602,870$330,398▼ $272,472
Liabilities
Unsecured Notes Loans Payable$10,106,243$11,240,781▲ $1,134,538
Other Liabilities$186,896$2,303,883▲ $2,116,987
Accounts Payable and Accrued Expenses$196,055$291,190▲ $95,135
Escrow Account Liability$174,978$96,306▼ $78,672
Deferred Revenue$12,000$62,500▲ $50,500
Mortgage Notes Payable Secured by Investment Property$50,000$50,000→ $0
Total Liabilities$10,726,172$14,044,660▲ $3,318,488
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,624,373$8,169,347▲ $1,544,974
Net Assets With Donor Restrictions$2,661,804$1,962,218▼ $699,586
Total Net Assets Fund Balance$9,286,177$10,131,565▲ $845,388
Total Liabilities and Net Assets / Fund Balance$20,012,349$24,176,225▲ $4,163,876

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$2,201,852--
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Glynn LloydExecutive DirectorFT$214,120$15,855$229,975
Dan PlowdenCFOFT$150,669$2,550$153,219
Alexandra NovaCOOFT$143,064$5,817$148,881
Lissette PaukertResidential Services DirectorFT$100,091$28,064$128,155
Aaron LackmanCommercial LendingFT$112,038$12,695$124,733

Board Members and Trustees

NameTitle
Malia LazuPresident
Abbott LawrenceDirector
Daniel RiveraDirector
Matthew HansonDirector
Michele WittsDirector
Nancy StagerDirector
Orlando WatkinsDirector
Quincy MillerDirector
Arleen ZorrilaOutgoing Director
Kristen HarolOutgoing Director
Lisa TorissiOutgoing Director
Yun-ju ChoiOutgoing Director
Abel VargasClerk
Lisa KozolTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Nbef Investment Managers LLCConsulting94 INDIGO POINT ROAD, South Kingdom, RI 02879$245,000
Tbm ConsultingConsulting2 BOYLSTON STREET UNIT 5, Jamaica Plain, MA 02130$234,044
Flowetik LLCConsulting89 FORT AVENUE, Boston, MA 02119$190,203
Meaghan PhillipsConsulting8 LENNOX RD, Nahant, MA 01908$140,000
Rafael FonsecaConsulting29 LAKEVIEW AVENUE, Haverhill, MA 01830$104,293
Revenue and Support

Revenue Composition

Contributions and Grants
$5,080,382
Program Service Revenue
$1,135,908
Investment Income
$237,048
Other Revenue
$292,035
All Other Contributions
$4,142,129
Change in Net Assets
$845,388
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,449,764
Salaries, Compensation, and Employee Benefits$1,865,571
Grants and Similar Amounts Paid$584,650
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$1,088,022$411,595-$1,499,617
Other Salaries and Wages$834,337$369,409-$1,203,746
Grants to Domestic Orgs$549,580--$549,580
Current Officers, Directors, Trustees, and Key Employees$264,609$118,285-$382,894
Information Technology$216,966$72,322-$289,288
Fees for Services Accounting-$277,082-$277,082
Interest$195,504--$195,504
Fees for Services Legal$155,105$17,234-$172,339
Other Employee Benefits$81,101$43,669-$124,770
Payroll Taxes$75,802$40,817-$116,619
Occupancy$32,108$10,703-$42,811
Pension Plan Contributions$24,402$13,140-$37,542
Grants to Domestic Individuals$35,070--$35,070
Conferences and Meetings$25,428$8,475-$33,903
Other Expenses$16,406$14,207-$30,613
Insurance$18,440$6,147-$24,587
Advertising-$23,764-$23,764
Travel$14,938$4,980-$19,918
Office Expenses$6,885$4,760-$11,645
Total Functional Expenses$4,463,396$1,436,589$0$5,899,985
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Archipelago Strategies Group IncWest Roxbury, MA501c3Business Support$187,500
The Boston FoundationBoston, MA-Pass-through Grant$120,000
Greater Lawrence Community Action Council IncLawrence, MA-Business Support$77,875
All in EnergyRoslindale, MA501c3Business Support$58,291
Tbm ConsultingJamaica Plain, MA-Business Support$53,359
Abode Energy ManagementConcord, MA501c3Business Support$45,502
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
Conditional Advances$2,038,589
Other Liabilities$120,061
Accrued Interest$74,183
Accrued Vacation$54,032
Accrued Wages$17,018
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
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

“The organization has changed its name from "lowell community loan fund, inc." to "nectar community investments, inc." during the tax year.”

Form 990, Part VI, Section B, Line 11B

“Organization's process to review form 990 the form 990 is distributed to the board of directors prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Enforcement of conflicts policy the policy is provided to each board member for review and acknowledgement with written acknowledgement by each board member being retained.”

Form 990, Part VI, Section B, Line 15A

“The organzation's compensation process for top official the board of directors uses relevant benchmarks to set the salary level of the executive director.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation governing documents, conflict of interest policy, and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Nectar Community Investments Inc
EIN
04-3571892
Phone
9782582772
Address
50 ISLAND STREET SUITE 103, LAWRENCE, MA 01840

Signing Officer

Name
Glynn Lloyd
Title
Executive Director
Phone
9782582772
Signed
2025-09-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Glynn Lloyd
Formed
2001
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
10
Employees
17
Volunteers
10

Preparer

Firm
Cohnreznick Advisory LLC
Address
350 GRANITE STREET SUITE 1200, BRAINTREE, MA 02184
Preparer
Zachary Segal
Phone
7813803520
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Consultants: program service expenses 1,048,839. Management and general expenses 382,217. Fundraising expenses 0. Total expenses 1,431,056. Contracted services: program service expenses 26,047. Management and general expenses 8,682. Fundraising expenses 0. Total expenses 34,729. Compliance services: program service expenses 0. Management and general expenses 16,317. Fundraising expenses 0. Total expenses 16,317. Payroll services: program service expenses 13,136. Management and general expenses 4,379. Fundraising expenses 0. Total expenses 17,515.”

Financial Statement Notes

PART IV, LINE 2B:

“The organization holds home improvement loan funds in escrow for clients and releases the funds to the contractors based on an agreed upon disbursement schedule as the improvements on their homes are completed.”

PART X, LINE 2:

“The organization qualifies as an organization formed for charitable purposes under section 501(c)(3) of the internal revenue code ("irc") and is generally not subject to income tax. However, income from certain activities not directly related to the organization's tax-exempt purpose is subject to taxation as unrelated business income. In addition, the organization is not a private foundation under section 509(a)(1) of the irc. U.s. Gaap prescribes a recognition threshold and measurement attribute for financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Management has analyzed the tax positions taken by the organization and has concluded that, as of december 31, 2024, there are no uncertain tax positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the consolidated financial statements. Generally, the organization's information/tax returns remain open for possible examination for three years after the filing date. While no income tax returns are currently being examined by the internal revenue service, tax years since 2021 remain open.”

Raw XML AppendixShowing 400 of 696 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
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IRS990/ActivityOrMissionDesc0GROW THE ASSETS AND WEALTH OF HISTORICALLY DISINVESTED INDIVIDUALS AND THEIR COMMUNITIES BY PROVIDING A COMBINATION OF ROBUST ADVICE, RESOURCED NETWORKS AND CAPITAL IN THE MERRIMACK VALLEY AND ACROSS MASSACHUSETTS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4OUTGOING DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt14CFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt16COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17COO
IRS990/Form990PartVIISectionAGrp/TitleTxt18RESIDENTIAL SERVICES DIRECTOR
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IRS990/MissionDesc0GROW THE ASSETS AND WEALTH OF HISTORICALLY DISINVESTED INDIVIDUALS AND THEIR COMMUNITIES BY PROVIDING A COMBINATION OF ROBUST ADVICE, RESOURCED NETWORKS AND CAPITAL IN THE MERRIMACK VALLEY AND ACROSS MASSACHUSETTS.
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE ORGANIZATION'S RESIDENTIAL LENDING PROGRAMS HELP HOMEOWNERS IMPROVE THE HEALTH AND QUALITY OF THEIR HOMES THROUGH A SUSTAINABLE LENS. LENDING PRODUCTS OFFERED ASSIST HOMEOWNERS WITH REPAIRS, LEAD REMOVAL, AND ENERGY-EFFICIENT UPGRADES NEEDED TO HELP TRANSITION THEIR HOMES TO CLEAN ENERGY.
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IRS990/ProgSrvcAccomActy3Grp/Desc0THE ORGANIZATION OPERATES THE BUSINESS EQUITY INITIATIVE (BEI) PROGRAM, WHICH PROVIDES BLACK AND LATINX BUSINESS OWNERS WITH QUALITY HIGH TOUCH ADVISORY SERVICES DEVELOPING BUSINESS OWNERS WITH A TRACK RECORD AND GROWTH TRAJECTORY POTENTIAL.
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IRS990/PYInvestmentIncomeAmt0100109

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