Civic Intelligence

Access Business Finance Inc

EIN 31-1092286 • 501(c)6 • West Chester, OH

Profile

To guide growing small businesses on their journey of expansion and development.

8922 Beckett RdWest Chester, OH 45069

www.accessbdf.com

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.22x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2021

Liabilities / Revenue

85th percentile

0.23x

Higher debt load relative to revenue than 85% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2021

Net Margin

38th percentile

-4.9%

Higher net margin than 38% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

42nd percentile

-4.9%

Faster asset growth than 42% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

78th percentile

22%

Faster revenue growth than 78% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Down

$0

Down $358,948 (-100%) from 2021

Liabilities

Down

$0

Down $79,872 (-100%) from 2021

Net Assets

Down

$0

Down $279,076 (-100%) from 2021

Operations
Liabilities / Revenue85th percentileNet Margin38th percentile

Revenue

Down

$191,654

Down $161,655 (-46%) from 2021

Expenses

Down

$219,521

Down $151,234 (-41%) from 2021

Net Income

Down

-$27,867

Down $10,421 (-60%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth42nd percentile

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

$800K$600K$400K$200K$0Assets 2015: $627,205Liabilities 2015: $42,974Net Assets 2015: $584,2312015Assets 2016: $674,030Liabilities 2016: $48,477Net Assets 2016: $625,5532016Assets 2018: $515,212Liabilities 2018: $43,138Net Assets 2018: $472,0742018Assets 2019: $427,078Liabilities 2019: $44,323Net Assets 2019: $382,7552019Assets 2020: $377,303Liabilities 2020: $80,780Net Assets 2020: $296,5232020Assets 2021: $358,948Liabilities 2021: $79,872Net Assets 2021: $279,0762021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2022

Assets$0
Liabilities$0
Net Assets$0
Open 2022 Filing

Operations Trend

Revenue Growth78th percentile

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

$600K$400K$200K$0-$200KRevenue 2015: $313,692Expenses 2015: $406,022Net Income 2015: -$92,3302015Revenue 2016: $480,447Expenses 2016: $439,125Net Income 2016: $41,3222016Revenue 2018: $379,368Expenses 2018: $440,370Net Income 2018: -$61,0022018Revenue 2019: $317,530Expenses 2019: $406,846Net Income 2019: -$89,3162019Revenue 2020: $290,123Expenses 2020: $376,355Net Income 2020: -$86,2322020Revenue 2021: $353,309Expenses 2021: $370,755Net Income 2021: -$17,4462021Revenue 2022: $191,654Expenses 2022: $219,521Net Income 2022: -$27,8672022

Highlighted filing

2022

Revenue$191,654
Expenses$219,521
Net Income-$27,867
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$191,654
Expenses
$219,521
Net income
-$27,867
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.92$2.20$0.28
2021Detailed filing. Detailed filing data is available for this year.$3.59$0.80$2.79$3.53$3.71$0.17
2020Detailed filing. Detailed filing data is available for this year.$3.77$0.81$2.97$2.90$3.76$0.86
2019Detailed filing. Detailed filing data is available for this year.$4.27$0.44$3.83$3.18$4.07$0.89
2018Detailed filing. Detailed filing data is available for this year.$5.15$0.43$4.72$3.79$4.40$0.61
2016Detailed filing. Detailed filing data is available for this year.$6.74$0.48$6.26$4.80$4.39$0.41
2015Detailed filing. Detailed filing data is available for this year.$6.27$0.43$5.84$3.14$4.06$0.92
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2021 to Mar 31, 2022
Signed
Sep 2, 2022
Return Version
2021v4.2
Gross Receipts
$191,654
Mission and Program Overview

Mission

To guide growing small businesses on their journey of expansion and development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$271,318$0▼ $271,318
Savings and Temporary Cash Investments$63,712$0▼ $63,712
Accounts Receivable$14,427$0▼ $14,427
Prepaid Expenses and Deferred Charges$9,491$0▼ $9,491
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$358,948$0▼ $358,948
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$79,872$0▼ $79,872
Total Liabilities$79,872$0▼ $79,872
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$279,076$0▼ $279,076
Total Net Assets Fund Balance$279,076$0▼ $279,076
Total Liabilities and Net Assets / Fund Balance$358,948$0▼ $358,948
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Andrew MccreanorCEOFT$103,338$103,338

Board Members and Trustees

NameTitle
Patrick LandiBoard President
Brendan BurnsBoard Vice President
John KirshBoard Treasurer
Anand RajuDirector
Courtney CombsDirector
Daniel WalshDirector
Dennis GramannDirector
Micha MeyerDirector
Subhas PatelDirector
Timothy SheridanDirector
Victoria AsherDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$190,827
Investment Income
$827
Other Revenue
$0
Change in Net Assets
$-27,867
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$152,589
Other Expenses$66,932
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$112,788--$112,788
Fees for Services Accounting$19,780--$19,780
Other Salaries and Wages$18,506--$18,506
Occupancy$14,084--$14,084
Payroll Taxes$10,908--$10,908
Office Expenses$7,279--$7,279
Insurance$6,970--$6,970
Information Technology$6,888--$6,888
Other Employee Benefits$6,260--$6,260
Pension Plan Contributions$4,127--$4,127
Fees for Services Legal$2,140--$2,140
Fees for Services Other$1,392--$1,392
Other Expenses$1,358--$1,358
Advertising$563--$563
Travel$6--$6
Total Functional Expenses$219,521$0$0$219,521
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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, Part VI, Section B, Line 11B

“The board receives an electronic copy of the 990 prior to filing. Members have the opportunity to review and comment on it.”

Form 990, Part VI, Section B, Line 15

“Salaries are reviewed and approved during budget review with the board.”

Form 990, Part VI, Section C, Line 19

“The organization's governing documents, conflict of interest policy and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Access Business Finance Inc
EIN
31-1092286
Phone
5137772225
Address
8922 BECKETT RD, WEST CHESTER, OH 45069

Signing Officer

Name
Andrew Mccreanor
Title
CEO
Phone
5137772225
Signed
2022-09-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrew Mccreanor
Formed
1983
Legal Domicile
Oh
Voting Board Members
11
Independent Board Members
11
Employees
3
Volunteers
0

Preparer

Firm
Whitmer & Company Cpas Llp
Address
615 ELSINORE PLACE SUITE 625, CINCINNATI, OH 45202-1427
Preparer
Sharon J Eddingfield
Phone
5133818010
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Distributed in merger -251,209.”

Financial Statement Notes

PART X, LINE 2:

“The organization adopted fasb accounting standards codification 740-10, accounting for uncertainty in income taxes, and has evaluated its tax positions taken for all open tax years. Currently, 2019, 2018, 2017 and 2016 tax years are open and subject to examination by the internal revenue service. However, the organization is not currently under audit nor has the organization been contacted by the internal revenue service.”

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

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IRS990/ProgSrvcAccomActy2Grp/Desc0TO ASSIST SMALL BUSINESSES IN OBTAINING FINANCING THROUGH SOURCES OTHER THAN THE US SBA 504 LOAN PROGRAM WHEN THEY DO NOT QUALIFY.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt06472
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04
IRS990/PYOtherExpensesAmt0103549
IRS990/PYOtherRevenueAmt03065
IRS990/PYProgramServiceRevenueAmt0350240
IRS990/PYRevenuesLessExpensesAmt0-17446
IRS990/PYSalariesCompEmpBnftPaidAmt0267206
IRS990/PYTotalExpensesAmt0370755
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0353309
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-27867
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0191654
IRS990/SavingsAndTempCashInvstGrp/BOYAmt063712
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION ADOPTED FASB ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, AND HAS EVALUATED ITS TAX POSITIONS TAKEN FOR ALL OPEN TAX YEARS. CURRENTLY, 2019, 2018, 2017 AND 2016 TAX YEARS ARE OPEN AND SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE. HOWEVER, THE ORGANIZATION IS NOT CURRENTLY UNDER AUDIT NOR HAS THE ORGANIZATION BEEN CONTACTED BY THE INTERNAL REVENUE SERVICE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleN/AssetsDistributedInd00
IRS990ScheduleN/AttorneyGeneralNotifiedInd00
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd01
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd00
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0ALL ASSETS, LIABILITIES AND NET ASSETS WERE MERGED INTO AQUIRING ENTITY, ALLOY DEVELOPMENT.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0ALLOY DEVELOPMENT CO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02022-04-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0311061640
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt0333671
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)6
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0FMV APPROXIMATED THE BOOK VALUE (CASH AND AR).
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt01776 MENTOR AVE SUITE 100
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0CINCINNATI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0OH
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd045212
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: 2A - MICHA MEYER AND BRENDAN BURNS2B - ANDY MCCREANOR
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1EXPLANATION OF INVOLVEMENT: 2A - NOW SERVING ON THE BOARD OF ALLOY DEVELOPMENT CO.2B - NOW AN EMPLOYEE OF ALLOY DEVELOPMENT CO.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2E:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 2E:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD RECEIVES AN ELECTRONIC COPY OF THE 990 PRIOR TO FILING. MEMBERS HAVE THE OPPORTUNITY TO REVIEW AND COMMENT ON IT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SALARIES ARE REVIEWED AND APPROVED DURING BUDGET REVIEW WITH THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DISTRIBUTED IN MERGER -251,209.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt0358948
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt0358948
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0219521
IRS990/TotalFunctionalExpensesGrp/TotalAmt0219521
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt079872
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt079872
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0279076
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0219521
IRS990/TotalProgramServiceRevenueAmt0190827
IRS990/TotalReportableCompFromOrgAmt0103338
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0191654
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0191654
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0358948
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt06
IRS990/TravelGrp/TotalAmt06
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08922 BECKETT RD
IRS990/USAddress/CityNm0WEST CHESTER
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045069
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.ACCESSBDF.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ANDREW MCCREANOR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05137772225
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-09-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ACCESS BUSINESS FINANCE INC
ReturnHeader/Filer/BusinessNameControlTxt0ACCE
ReturnHeader/Filer/EIN0311092286
ReturnHeader/Filer/PhoneNum05137772225
ReturnHeader/Filer/USAddress/AddressLine1Txt08922 BECKETT RD

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