Civic Intelligence

Grand Rapids Opportunities for Women

EIN 38-2886028 • 501(c)3 • Grand Rapids, MI

View Organization Page

Profile

Grow commits to a future where small business ownership can be realized as a pathway to wealth creation. We strive to provide capital and knowledge that is informed through curiosity and authentic relationships.

1333 Alger St SE Ste 5Grand Rapids, MI 49507

www.growbusiness.org

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.28x

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

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

84th percentile

0.65x

Higher debt load relative to revenue than 84% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

83rd percentile

35%

Higher net margin than 83% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

71st percentile

$111,368

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 7.7% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

83rd percentile

26%

Faster asset growth than 83% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

77th percentile

34%

Faster revenue growth than 77% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$3,360,215

Up $693,870 (+26%) from 2023

Liabilities

Up

$933,011

Up $188,907 (+25%) from 2023

Net Assets

Up

$2,427,204

Up $504,963 (+26%) from 2023

Operations
Liabilities / Revenue84th percentileNet Margin83rd percentile

Revenue

Up

$1,437,200

Up $368,194 (+34%) from 2023

Expenses

Up

$927,727

Up $51,506 (+5.9%) from 2023

Net Income

Up

$509,473

Up $316,688 (+164%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $243,067Liabilities 2011: $8,423Net Assets 2011: $234,6442011Assets 2012: $856,873Liabilities 2012: $211,523Net Assets 2012: $645,3502012Assets 2013: $879,513Liabilities 2013: $398,989Net Assets 2013: $480,5242013Assets 2014: $1,229,530Liabilities 2014: $764,117Net Assets 2014: $465,4132014Assets 2015: $1,317,491Liabilities 2015: $807,692Net Assets 2015: $509,7992015Assets 2016: $1,559,916Liabilities 2016: $871,615Net Assets 2016: $688,3012016Assets 2017: $1,659,205Liabilities 2017: $853,324Net Assets 2017: $805,8812017Assets 2018: $1,889,648Liabilities 2018: $933,260Net Assets 2018: $956,3882018Assets 2019: $1,963,391Liabilities 2019: $979,312Net Assets 2019: $984,0792019Assets 2020: $2,806,851Liabilities 2020: $1,219,346Net Assets 2020: $1,587,5052020Assets 2021: $2,683,155Liabilities 2021: $1,036,655Net Assets 2021: $1,646,5002021Assets 2022: $2,506,085Liabilities 2022: $689,652Net Assets 2022: $1,816,4332022Assets 2023: $2,666,345Liabilities 2023: $744,104Net Assets 2023: $1,922,2412023Assets 2024: $3,360,215Liabilities 2024: $933,011Net Assets 2024: $2,427,2042024

Highlighted filing

2024

Assets$3,360,215
Liabilities$933,011
Net Assets$2,427,204
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $408,223Expenses 2011: $372,840Net Income 2011: $35,3832011Revenue 2012: $797,996Expenses 2012: $380,041Net Income 2012: $417,9552012Revenue 2013: $487,283Expenses 2013: $432,109Net Income 2013: $55,1742013Revenue 2014: $453,822Expenses 2014: $468,933Net Income 2014: -$15,1112014Revenue 2015: $459,255Expenses 2015: $414,869Net Income 2015: $44,3862015Revenue 2016: $679,757Expenses 2016: $501,255Net Income 2016: $178,5022016Revenue 2017: $637,236Expenses 2017: $519,657Net Income 2017: $117,5792017Revenue 2018: $802,370Expenses 2018: $651,863Net Income 2018: $150,5072018Revenue 2019: $941,948Expenses 2019: $914,257Net Income 2019: $27,6912019Revenue 2020: $1,493,475Expenses 2020: $890,049Net Income 2020: $603,4262020Revenue 2021: $848,834Expenses 2021: $882,761Net Income 2021: -$33,9272021Revenue 2022: $1,075,296Expenses 2022: $906,720Net Income 2022: $168,5762022Revenue 2023: $1,069,006Expenses 2023: $876,221Net Income 2023: $192,7852023Revenue 2024: $1,437,200Expenses 2024: $927,727Net Income 2024: $509,4732024

Highlighted filing

2024

Revenue$1,437,200
Expenses$927,727
Net Income$509,473
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
$3,360,215
Liabilities
$933,011
Net assets
$2,427,204
Revenue
$1,437,200
Expenses
$927,727
Net income
$509,473
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.36$0.93$2.43$1.44$0.93$0.51
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.67$0.74$1.92$1.07$0.88$0.19
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.51$0.69$1.82$1.08$0.91$0.17
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.68$1.04$1.65$0.85$0.88$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.81$1.22$1.59$1.49$0.89$0.60
2019Summary only. Only limited summary data is available for this year.$1.96$0.98$0.98$0.94$0.91$0.03
2018Summary only. Only limited summary data is available for this year.$1.89$0.93$0.96$0.80$0.65$0.15
2017Summary only. Only limited summary data is available for this year.$1.66$0.85$0.81$0.64$0.52$0.12
2016Summary only. Only limited summary data is available for this year.$1.56$0.87$0.69$0.68$0.50$0.18
2015Summary only. Only limited summary data is available for this year.$1.32$0.81$0.51$0.46$0.41$0.04
2014Summary only. Only limited summary data is available for this year.$1.23$0.76$0.47$0.45$0.47$0.02
2013Summary only. Only limited summary data is available for this year.$0.88$0.40$0.48$0.49$0.43$0.06
2012Summary only. Only limited summary data is available for this year.$0.86$0.21$0.65$0.80$0.38$0.42
2011Summary only. Only limited summary data is available for this year.$0.24$0.01$0.23$0.41$0.37$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 15, 2025
Return Version
2024v5.0
Gross Receipts
$1,437,200
Mission and Program Overview

Mission

Promotion of social welfare by providing training, counseling, mentoring and financial assistance to those who desire to establish their own businesses.

Grow commits to a future where small business ownership can be realized as a pathway to wealth creation. We strive to provide capital and knowledge that is informed through curiosity and authentic relationships.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$1,351,170$1,614,064▲ $262,894
Savings and Temporary Cash Investments$518,807$667,580▲ $148,773
Pledges and Grants Receivable$137,247$566,245▲ $428,998
Cash and Non-Interest-Bearing Accounts$520,232$367,991▼ $152,241
Prepaid Expenses and Deferred Charges$7,173$26,357▲ $19,184
Land, Buildings, and Equipment, Net$3,127$2,671▼ $456
Total Assets$2,666,345$3,360,215▲ $693,870
Other Assets Total$128,589$115,307▼ $13,282
Liabilities
Other Liabilities$728,286$877,174▲ $148,888
Deferred Revenue-$37,500-
Accounts Payable and Accrued Expenses$15,818$18,337▲ $2,519
Total Liabilities$744,104$933,011▲ $188,907
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,673,817$1,701,994▲ $28,177
Net Assets With Donor Restrictions$248,424$725,210▲ $476,786
Total Net Assets Fund Balance$1,922,241$2,427,204▲ $504,963
Total Liabilities and Net Assets / Fund Balance$2,666,345$3,360,215▲ $693,870

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,671$1,238$3,909
Investment Program Related Org$1,614,064--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$23,464-▲ $3,062$185$25,210
2023$21,663-▲ $3,084$170$23,464
2022$26,735-▼ $3,768$180$21,663
2021$24,044-▲ $3,937$190$26,735
2020$23,457-▲ $1,819$164$24,044
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Milinda YsasiChief Exec.FT$111,300$68$111,368

Board Members and Trustees

NameTitle
Lachaun SteversonPresident
Floriza GenautisDirector
Karen BritnerDirector
Kenia EspinozaDirector
Monica KreigerDirector
Zara SmithDirector
Shannon CohenDirector (pa
Tracey BurkeDirector (pa
Mckenzie VanpattenSecretary
Liz ZiesmerTreasurer
Julie WestraVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$1,323,975
Program Service Revenue
$110,205
Investment Income
$3,020
Other Revenue
$0
All Other Contributions
$551,181
Change in Net Assets
$509,473

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,437,200
Revenue Not Reported on Form 990
$2,754
Total Revenue per Audited Statements
$1,439,954
Total Revenue per Form 990
$1,437,200
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$649,832
Other Expenses$271,957
Total Fundraising Expense$79,250
Professional Fundraising Fees$5,938
Grants and Similar Amounts Paid$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$352,984$51,808$48,700$453,492
Current Officers, Directors, Trustees, and Key Employees$86,701$12,715$11,952$111,368
Fees for Services Other$80,459$9,826-$90,285
Payroll Taxes$37,314$7,598$4,943$49,855
Fees for Services Accounting$22,196$26,683$190$49,069
Other Employee Benefits$26,510$3,937$4,670$35,117
Advertising$21,545$2,450-$23,995
Occupancy$15,828$1,606$1,526$18,960
Information Technology$13,503$1,355$28$14,886
Insurance$10,817$911$1,303$13,031
Interest$10,166--$10,166
Travel$7,361--$7,361
Fees for Services Professional Fundraising--$5,938$5,938
All Other Expenses$66$5,507-$5,573
Office Expenses$3,704$585-$4,289
Other Expenses$1,000$365-$1,365
Depreciation Depletion$365$91-$456
Fees for Services Legal-$313-$313
Total Functional Expenses$721,477$127,000$79,250$927,727

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$934,991
Expenses per Audited Statements$927,727
Total Expenses per Form 990$927,727
Expenses Not Reported on Form 990$7,264
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$5,938
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Sba Note Payable$787,077
Operating Lease Liability$90,097
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
No
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

“The return is reviewed by the board of directors at their monthly board meeting before it is filed.”

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

“Board members are required to sign the conflict of interest policy yearly.”

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

“Compensation for the executive director is determined by the compensation committee of the board of directors.”

Form 990, Page 6, Part VI, Line 19

“The organization makes all governing documents, conflict of interest policies, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Grand Rapids Opportunities
EIN
38-2886028
Phone
6164583404
Address
1333 ALGER ST SE STE 5, GRAND RAPIDS, MI 49507
Doing Business As
Grow

Signing Officer

Name
Milinda Ysasi
Title
Chief Exec. Officer
Phone
6164583404
Signed
2025-07-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Milinda Ysasi
Formed
1989
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
11
Volunteers
11

Preparer

Firm
Andrews Hooper Pavlik Plc
Address
2311 EAST BELTLINE AVE SE STE 200, GRAND RAPIDS, MI 49546
Preparer
Maggie M Tucholski
Phone
6169426440
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in beneficial interest 2,754 change in microloan allowance -7,264 total -4,510”

Financial Statement Notes

Schedule D, Page 2, Part V, Line 4

“The organization holds a total of 25,210 in an agency endowment fund held by the grand rapids community foundation. Income from the permenant endowment is available for grantmaking. Additionally, the organization also maintains a donor advised fund established for the organization, but not under control of the organization. The fair market value of the donor advised fund is 322,930.”

Schedule D, Page 3, Part X

“The organization is exempt from federal income taxes under 501(c)(3) of the internal revenue code. However, income from certain activities not directly related to the organizations tax-exempt purpose may be subject to taxation as unrelated business income. Since the organization is exempt from federal income taxes, no provision for income taxes is included in the accompanying financial statements. Generally, tax years from 2021 through the current year remain open to examination. The organization does not believe that the results from the examination of any open years would have a material adverse effect on the organization.”

Schedule D, Page 4, Part XI, Line 2D

“Change in beneficial interest 2,754”

Schedule D, Page 4, Part XII, Line 2D

“Change in microloan allowance 7,264”

Raw XML AppendixShowing 400 of 518 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHIEF EXEC.
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDE
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IRS990/MissionDesc0GROW COMMITS TO A FUTURE WHERE SMALL BUSINESS OWNERSHIP CAN BE REALIZED AS A PATHWAY TO WEALTH CREATION. WE STRIVE TO PROVIDE CAPITAL AND KNOWLEDGE THAT IS INFORMED THROUGH CURIOSITY AND AUTHENTIC RELATIONSHIPS.
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IRS990/ProgSrvcAccomActy2Grp/Desc0BUSINESS LENDING - TO PROVIDE RESPONSIBLE AND ACCESSIBLE LOANS THAT EXPAND ECONOMIC OPPORTUNITY FOR SMALL BUSINESS OWNERS AT EVERY STAGE OF THEIR BUSINESS. WE ARE COMMITTED TO ELEVATING ENTREPRENEURS BY PROVIDING ACCESS TO CAPITAL, FINANCIAL TRAINING, AND MENTORSHIP FROM GROW'S NETWORK OF INDUSTRY PROFESSIONALS. THESE RESOURCES ASSIST ENTREPRENEURS IN MAKING SUSTAINABLE DECISIONS AS THEY BUILD FINANCIAL SECURITY AS SMALL BUSINESS OWNERS IN WEST MICHIGAN.
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