Civic Intelligence

Finanta

990 • Fiscal year 2025 • EIN 23-2857766

Jul 01, 2024 to Jun 30, 2025

Organization ProfileFINANTA.ORG
1301 N 2nd StreetPhiladelphia, PA 19122

(717) 393-2351

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

73rd percentile

0.41x

Higher debt load relative to assets than 73% of similar nonprofits.

2025 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

12.49x

Higher debt load relative to revenue than 98% of similar nonprofits.

2025 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2025

Net Margin

94th percentile

63%

Higher net margin than 94% of similar nonprofits.

2025 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

87th percentile

$428,184

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 50.8% of source-year revenue.

2025 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2025

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$25,402,548

Down $1,309,554 (-4.9%) from 2020

Net Assets

Down

$14,874,265

Down $5,085,379 (-25%) from 2020

Liabilities

Up

$10,528,283

Up $3,775,825 (+56%) from 2020

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin94th percentile

Revenue

Down

$842,643

Down $3,118,922 (-79%) from 2020

Expenses

Down

$315,458

Down $1,854,253 (-85%) from 2020

Net Income

Down

$527,185

Down $1,264,669 (-71%) from 2020

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2011: $9,248,542Liabilities 2011: $1,713,231Net Assets 2011: $7,535,3112011Assets 2012: $10,713,342Liabilities 2012: $2,454,818Net Assets 2012: $8,258,5242012Assets 2013: $12,738,562Liabilities 2013: $3,728,774Net Assets 2013: $9,009,7882013Assets 2014: $13,482,043Liabilities 2014: $3,728,735Net Assets 2014: $9,753,3082014Assets 2015: $13,788,093Liabilities 2015: $3,324,728Net Assets 2015: $10,463,3652015Assets 2016: $16,320,494Liabilities 2016: $4,905,347Net Assets 2016: $11,415,1472016Assets 2017: $20,342,831Liabilities 2017: $8,497,350Net Assets 2017: $11,845,4812017Assets 2018: $22,351,549Liabilities 2018: $6,618,185Net Assets 2018: $15,733,3642018Assets 2019: $24,614,281Liabilities 2019: $6,437,475Net Assets 2019: $18,176,8062019Assets 2020: $26,712,102Liabilities 2020: $6,752,458Net Assets 2020: $19,959,6442020Assets 2025: $25,402,548Liabilities 2025: $10,528,283Net Assets 2025: $14,874,2652025

Highlighted filing

2025

Assets$25,402,548
Liabilities$10,528,283
Net Assets$14,874,265
Open 2025 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $675,174Expenses 2011: $792,927Net Income 2011: -$117,7532011Expenses 2012: $1,404,4352012Expenses 2013: $1,063,5312013Revenue 2014: $1,940,991Expenses 2014: $1,197,471Net Income 2014: $743,5202014Revenue 2015: $1,408,398Expenses 2015: $1,398,341Net Income 2015: $10,0572015Revenue 2016: $2,892,237Expenses 2016: $1,940,455Net Income 2016: $951,7822016Revenue 2017: $1,795,171Expenses 2017: $1,364,837Net Income 2017: $430,3342017Revenue 2018: $5,662,941Expenses 2018: $1,775,058Net Income 2018: $3,887,8832018Revenue 2019: $4,181,525Expenses 2019: $1,738,083Net Income 2019: $2,443,4422019Revenue 2020: $3,961,565Expenses 2020: $2,169,711Net Income 2020: $1,791,8542020Revenue 2025: $842,643Expenses 2025: $315,458Net Income 2025: $527,1852025

Highlighted filing

2025

Revenue$842,643
Expenses$315,458
Net Income$527,185
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Apr 9, 2026
Return Version
2024v5.0
Gross Receipts
$842,643
Mission and Program Overview

Mission

A non-profit lending institution facilitating access to capital and consultation services to entrepreneurs, first-time homebuyers, and consumers in the delaware valley region.

A lending institution facilitating access to capital and consultation services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,457,669$12,247,077▼ $1,210,592
Savings and Temporary Cash Investments$10,184,140$10,397,580▲ $213,440
Land, Buildings, and Equipment, Net$1,617,059$1,590,322▼ $26,737
Investments in Publicly Traded Securities$881,494$881,494→ $0
Pledges and Grants Receivable-$279,629-
Prepaid Expenses and Deferred Charges$10,281--
Accounts Receivable$6,446$6,446→ $0
Total Assets$26,157,089$25,402,548▼ $754,541
Liabilities
Other Liabilities$10,188,184$10,188,184→ $0
Mortgage Notes Payable Secured by Investment Property$3,339,294--
Deferred Revenue$21,020$301,764▲ $280,744
Accounts Payable and Accrued Expenses$125,986$38,335▼ $87,651
Total Liabilities$13,674,484$10,528,283▼ $3,146,201
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$9,112,105$11,503,765▲ $2,391,660
Net Assets With Donor Restrictions$3,370,500$3,370,500→ $0
Total Net Assets Fund Balance$12,482,605$14,874,265▲ $2,391,660
Total Liabilities and Net Assets / Fund Balance$26,157,089$25,402,548▼ $754,541

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,236,905$383,628$1,620,533
Land$353,417-$353,417
Equipment-$223,282$223,282
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleOtherTotal
Daniel BetancourtPresident &$428,184$428,184
Jonathan EncarnacionSenior VP Ch$251,317$251,317
Joan BroadheadChief Strate$237,751$237,751
Dragan DodikSenior VP Ch$222,398$222,398
Edward GallagherSenior VP Ch$205,679$205,679
Elizabeth BennettCFO ('24-'25$192,400$192,400
Veder RedickVP Community$163,603$163,603
Alba FernandezSen VP/lendi$162,365$162,365

Board Members and Trustees

NameTitle
Jonathan BowserChair
Daniel BetancourtPresident & CEO
Lawrence MccomieVice Chair
Abraham PardoBoard Member
Carlos LopezBoard Member
Jennifer RodriguezBoard Member
Lenin AgudoBoard Member
Natalia Dominguez BuckleyBoard Member
R Eric MenzerBoard Member
Rev Dr Gregory J EdwardsBoard Member
Samuel T Cooper EsqBoard Member
Elizabeth BennettCFO ('24-'25)
Joan BroadheadChief Strategic Ofcr
James BuergerLender
Marilyn BrownSecretary
Alba FernandezSen VP/lending Direc
Edward GallagherSenior VP Chief Cred
Dragan DodikSenior VP Chief Lend
Jonathan EncarnacionSenior VP Chief Reta
Robert TorresTreasurer
Veder RedickVP Community Lender
Revenue and Support

Revenue Composition

Contributions and Grants
$20,371
Program Service Revenue
$481,309
Investment Income
$340,963
Other Revenue
$0
Change in Net Assets
$527,185
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$277,516
Salaries, Compensation, and Employee Benefits$37,942
Total Fundraising Expense$12,859
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy$74,815$4,937$6,718$86,470
Other Employee Benefits$32,134$2,121$2,886$37,141
Depreciation Depletion$23,133$1,527$2,077$26,737
Interest-$13,513-$13,513
Other Expenses$7,824--$7,824
Office Expenses$1,066$407$1,108$2,581
Payroll Taxes$693$46$62$801
Insurance$87$6$8$101
Fees for Services Legal$-574$-1,371-$-1,945
Total Functional Expenses$281,413$21,186$12,859$315,458
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
Due to Community First Fund$10,188,184
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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
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, Page 6, Part VI, Line 6

“The member of the corporation is community first fund.”

Form 990, Page 6, Part VI, Line 7A

“The members have the right to vote for the election of the governing body.”

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

“The organization's board of directors and president review the form 990 together to verify the amounts reported argree with the organization's audited financial statements for the year and all questions are answered accurately. In addition, an independent audit committee also reviews the form 990 and organization's audited financial statements for the year.”

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

“The board completes annual questionnaire.”

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

“The president's compensation is approved by the board.”

Form 990, Page 6, Part VI, Line 19

“The organization's governing documents and financial statements are available to the public in the organization's office upon request.”

Filing and Contact Details

Filer

Filer Name
Finanta
EIN
23-2857766
Phone
7173932351
Address
1301 N 2ND STREET, PHILADELPHIA, PA 19122

Signing Officer

Name
Dario Bellot
Title
CFO ('25-'26)
Phone
7173932351
Signed
2026-04-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel Betancourt
Formed
1996
Legal Domicile
Pa
Voting Board Members
15
Independent Board Members
15
Employees
0

Preparer

Firm
Emc Cpas LLC
Address
36 E KING ST, LANCASTER, PA 17602
Preparer
Thomas a Wobber CPA
Phone
7173930767
Supplemental Narrative

Additional Explanations

Form 990, Part V

“Line 1: 1099 filings are completed by community first fund as the common paymaster. Line 2: there are no employees of finanta. Salaries reported on part ix, line 7 represent the allocated payroll expense for the time spent on finanta by community first fund ("cff") employees. Finanta reimburses cff for this apportioned time. All payroll filings are completed by cff under ein 23-2689714.”

Form 990, Part XI, Line 9

“Transfers to community first fund 1,864,475”

Financial Statement Notes

Schedule D, Page 3, Part X

“The organization has evaluated the tax filings for the open tax years for uncertain tax positions. The tax years subject to examination by the internal revenue service are 2021, 2022, 2023, and 2024. The tax years subject to examination by the state jurisdiction are unlimited.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT &
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IRS990/Form990PartVIISectionAGrp/TitleTxt3SENIOR VP CH
IRS990/Form990PartVIISectionAGrp/TitleTxt4LENDER
IRS990/Form990PartVIISectionAGrp/TitleTxt5SENIOR VP CH
IRS990/Form990PartVIISectionAGrp/TitleTxt6CFO ('24-'25
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IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt17BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt19BOARD MEMBER
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Document Assets

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Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,402,548
Liabilities
$10,528,283
Net assets
$14,874,265
Revenue
$842,643
Expenses
$315,458
Net income
$527,185
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$25.4$10.5$14.9$0.84$0.32$0.53
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.7$6.75$20.0$3.96$2.17$1.79
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.6$6.44$18.2$4.18$1.74$2.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.4$6.62$15.7$5.66$1.78$3.89
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.3$8.50$11.8$1.80$1.36$0.43
2016Detailed filing. Detailed filing data is available for this year.$16.3$4.91$11.4$2.89$1.94$0.95
2015Detailed filing. Detailed filing data is available for this year.$13.8$3.32$10.5$1.41$1.40$0.01
2014Detailed filing. Detailed filing data is available for this year.$13.5$3.73$9.75$1.94$1.20$0.74
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$3.73$9.01$1.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$2.45$8.26$1.40
2011Summary only. Only limited summary data is available for this year.$9.25$1.71$7.54$0.68$0.79$0.12