Civic Intelligence

Access Business Development & Finance Inc

990 • Fiscal year 2015 • EIN 31-1092286

Oct 01, 2014 to Sep 30, 2015 • Filed on Mar 17, 2016

Organization ProfileWWW.ACCESSBDF.COM
7370 Liberty One DriveLiberty Township, OH 45044

(513) 777-2225

Siviq Scores

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

Liabilities / Assets

47th percentile

0.07x

Higher debt load relative to assets than 47% of similar nonprofits.

2015 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2015

Liabilities / Revenue

61st percentile

0.14x

Higher debt load relative to revenue than 61% of similar nonprofits.

2015 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2015

Net Margin

4th percentile

-29%

Higher net margin than 4% of similar nonprofits.

2015 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2015

Top Officer Pay

77th percentile

$117,000

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 37.3% of source-year revenue.

2015 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2015

Asset Growth

Score unavailable

No value available

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

Source year 2015

Revenue Growth

Score unavailable

No value available

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

Source year 2015

Balance Sheet
Liabilities / Assets47th percentile

Assets

$627,205

No earlier filing loaded for comparison.

Net Assets

$584,231

No earlier filing loaded for comparison.

Liabilities

$42,974

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin4th percentile

Revenue

$313,692

No earlier filing loaded for comparison.

Expenses

$406,022

No earlier filing loaded for comparison.

Net Income

-$92,330

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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

2015

Assets$627,205
Liabilities$42,974
Net Assets$584,231
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$313,692
Expenses$406,022
Net Income-$92,330
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2014 to Sep 30, 2015
Signed
Mar 17, 2016
Return Version
2014v6.0
Gross Receipts
$313,692
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$576,057$496,999▼ $79,058
Savings and Temporary Cash Investments$63,556$63,654▲ $98
Accounts Receivable$213,232$47,829▼ $165,403
Prepaid Expenses and Deferred Charges$18,033$11,031▼ $7,002
Land, Buildings, and Equipment, Net$11,793$7,692▼ $4,101
Total Assets$883,151$627,205▼ $255,946
Other Assets Total$480$0▼ $480
Liabilities
Other Liabilities$182,799$0▼ $182,799
Accounts Payable and Accrued Expenses$23,791$42,974▲ $19,183
Total Liabilities$206,590$42,974▼ $163,616
Net Assets / Fund Balance
Unrestricted Net Assets$676,561$584,231▼ $92,330
Total Net Assets Fund Balance$676,561$584,231▼ $92,330
Total Liabilities and Net Assets / Fund Balance$883,151$627,205▼ $255,946

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,692$65,092$72,784
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Andrew MccreanorCEOFT$117,000$117,000

Board Members and Trustees

NameTitle
Patrick LandiBoard President
Brendan BurnsBoard Vice President
Brent FraleyBoard Secretary
John KirshBoard Treasurer
Anand RajuDirector
Chris VitoriDirector
Daniel WalshDirector
Dennis GramannDirector
Mike DaltonDirector
Subhas PatelDirector
Timothy SheridanDirector
Vicki AsherDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$308,203
Investment Income
$0
Other Revenue
$5,489
Change in Net Assets
$-92,330

Audited Revenue Reconciliation

Revenue per Audited Statements
$313,692
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$313,692
Total Revenue per Form 990
$313,692
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$276,657
Other Expenses$129,365
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$131,480--$131,480
Current Officers, Directors, Trustees, and Key Employees$117,000--$117,000
Occupancy$44,544--$44,544
Office Expenses$23,191--$23,191
Payroll Taxes$19,393--$19,393
Insurance$10,839--$10,839
Other Employee Benefits$8,784--$8,784
Fees for Services Accounting$6,450--$6,450
Fees for Services Other$6,264--$6,264
Depreciation Depletion$5,539--$5,539
Information Technology$4,957--$4,957
Advertising$4,930--$4,930
Fees for Services Legal$4,189--$4,189
Travel$3,328--$3,328
All Other Expenses$1,404--$1,404
Other Expenses$1,000--$1,000
Total Functional Expenses$406,022$0$0$406,022

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$406,022
Total Expenses per Audited Statements$406,022
Total Expenses per Form 990$406,022
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
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 11

“The board receives an email 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 Development & Finance Inc
EIN
31-1092286
Phone
5137772225
Address
7370 LIBERTY ONE DRIVE, LIBERTY TOWNSHIP, OH 45044

Signing Officer

Name
Andrew Mccreanor
Title
CEO
Phone
5137772225
Signed
2016-03-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrew Mccreanor
Formed
1983
Legal Domicile
Oh
Voting Board Members
12
Independent Board Members
12
Employees
6
Volunteers
0

Preparer

Firm
WHITMER & COMPANY CPA'S LLP
Address
105 E FOURTH STREET 1100, CINCINNATI, OH 45202-4011
Preparer
Jan Neumann
Phone
5133818010
Supplemental Narrative

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, 2014, 2013, 2012 and 2011 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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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/ExpenseAmt09957
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02145
IRS990/PYOtherExpensesAmt0151462
IRS990/PYOtherRevenueAmt08779
IRS990/PYProgramServiceRevenueAmt0338807
IRS990/PYRevenuesLessExpensesAmt0-8302
IRS990/PYSalariesCompEmpBnftPaidAmt0206571
IRS990/PYTotalExpensesAmt0358033
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0349731
IRS990/ReconcilationRevenueExpnssAmt0-92330
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0313692
IRS990/SavingsAndTempCashInvstGrp/BOYAmt063556
IRS990/SavingsAndTempCashInvstGrp/EOYAmt063654
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt07692
IRS990ScheduleD/EquipmentGrp/DepreciationAmt065092
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt072784
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0406022
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0313692
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, 2014, 2013, 2012 AND 2011 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/TotalBookValueLandBuildingsAmt07692
IRS990ScheduleD/TotalExpensesPerForm990Amt0406022
IRS990ScheduleD/TotalRevenuePerForm990Amt0313692
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0313692
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0406022
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD RECEIVES AN EMAIL 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/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0883151
IRS990/TotalAssetsEOYAmt0627205
IRS990/TotalAssetsGrp/BOYAmt0883151
IRS990/TotalAssetsGrp/EOYAmt0627205
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0406022
IRS990/TotalFunctionalExpensesGrp/TotalAmt0406022
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0206590
IRS990/TotalLiabilitiesEOYAmt042974
IRS990/TotalLiabilitiesGrp/BOYAmt0206590
IRS990/TotalLiabilitiesGrp/EOYAmt042974
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0676561
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0584231
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0258
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0258
IRS990/TotalProgramServiceExpensesAmt0406022
IRS990/TotalProgramServiceRevenueAmt0308203
IRS990/TotalReportableCompFromOrgAmt0117000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0313692
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0313692
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0883151
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0627205
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt03328
IRS990/TravelGrp/TotalAmt03328
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0676561
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0584231
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07370 LIBERTY ONE DRIVE
IRS990/USAddress/CityNm0LIBERTY TOWNSHIP
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045044
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.ACCESSBDF.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-08-17 19:52:53Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ANDREW MCCREANOR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05137772225
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ACCESS BUSINESS DEVELOPMENT & FINANCE INC
ReturnHeader/Filer/BusinessNameControlTxt0ACCE
ReturnHeader/Filer/EIN0311092286
ReturnHeader/Filer/PhoneNum05137772225
ReturnHeader/Filer/USAddress/AddressLine1Txt07370 LIBERTY ONE DRIVE
ReturnHeader/Filer/USAddress/CityNm0LIBERTY TOWNSHIP
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd045044
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0311223798
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WHITMER & COMPANY CPA'S LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0105 E FOURTH STREET 1100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CINCINNATI

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$627,205
Liabilities
$42,974
Net assets
$584,231
Revenue
$313,692
Expenses
$406,022
Net income
-$92,330
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