Civic Intelligence

Cinnaire Lending Corporation

EIN 38-3666288 • 501(c)3 • Lansing, MI

Profile

Cinnaire lending (cl), established in 2002, is a certified cdfi and has a mission to raise and deploy capital to support the development of healthy and vibrant communities in order to improve the quality of life for residents of these communities. The end goal is to improve the quality of life for residents of these communities. Cl provides pre-development, acquisition, bridge loans, and permanent financing for multi-family rental communities that serve low- and moderate-income persons including special needs populations. In addition to its financing products, cl supports community development by consulting with developers on utilizing all available financing sources to ensure the long-term viability of developments. Cl targets its consulting services to non-profit organizations to help non-profits be an integral partner in developments in their communities.

1118 S Washington AveLansing, MI 48910

n/A

Siviq Scores

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

Liabilities / Assets

80th percentile

0.72x

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

501(c)3 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

5.85x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Net Margin

84th percentile

32%

Higher net margin than 84% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

85th percentile

20%

Faster asset growth than 85% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

66th percentile

13%

Faster revenue growth than 66% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$157,269,428

Up $26,413,807 (+20%) from 2023

Liabilities

Up

$112,722,613

Up $20,336,880 (+22%) from 2023

Net Assets

Up

$44,546,815

Up $6,076,927 (+16%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin84th percentile

Revenue

Up

$19,256,710

Up $2,236,149 (+13%) from 2023

Expenses

Up

$13,179,783

Up $2,769,227 (+27%) from 2023

Net Income

Down

$6,076,927

Down $533,078 (-8.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

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

$200M$150M$100M$50M$0Assets 2010: $16,140,173Liabilities 2010: $15,209,387Net Assets 2010: $930,7862010Assets 2011: $15,611,330Liabilities 2011: $9,869,662Net Assets 2011: $5,741,6682011Assets 2012: $25,595,632Liabilities 2012: $11,285,881Net Assets 2012: $14,309,7512012Assets 2013: $27,953,720Liabilities 2013: $13,108,543Net Assets 2013: $14,845,1772013Assets 2014: $29,722,435Liabilities 2014: $14,229,320Net Assets 2014: $15,493,1152014Assets 2015: $26,544,408Liabilities 2015: $10,750,837Net Assets 2015: $15,793,5712015Assets 2016: $26,669,151Liabilities 2016: $8,867,381Net Assets 2016: $17,801,7702016Assets 2017: $28,417,155Liabilities 2017: $10,765,646Net Assets 2017: $17,651,5092017Assets 2018: $33,738,455Liabilities 2018: $11,192,016Net Assets 2018: $22,546,4392018Assets 2019: $55,555,968Liabilities 2019: $28,894,042Net Assets 2019: $26,661,9262019Assets 2020: $74,702,481Liabilities 2020: $46,463,461Net Assets 2020: $28,239,0202020Assets 2021: $75,621,059Liabilities 2021: $46,293,643Net Assets 2021: $29,327,4162021Assets 2022: $102,169,099Liabilities 2022: $69,740,296Net Assets 2022: $32,428,8032022Assets 2023: $130,855,621Liabilities 2023: $92,385,733Net Assets 2023: $38,469,8882023Assets 2024: $157,269,428Liabilities 2024: $112,722,613Net Assets 2024: $44,546,8152024

Highlighted filing

2024

Assets$157,269,428
Liabilities$112,722,613
Net Assets$44,546,815
Open 2024 Filing

Operations Trend

Revenue Growth66th percentile

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $524,5972010Expenses 2011: $605,9552011Expenses 2012: $1,804,4682012Revenue 2013: $1,126,435Expenses 2013: $1,003,815Net Income 2013: $122,6202013Revenue 2014: $5,287,370Expenses 2014: $4,639,432Net Income 2014: $647,9382014Revenue 2015: $3,187,021Expenses 2015: $2,886,565Net Income 2015: $300,4562015Revenue 2016: $9,095,145Expenses 2016: $7,086,946Net Income 2016: $2,008,1992016Revenue 2017: $3,373,858Expenses 2017: $3,524,119Net Income 2017: -$150,2612017Revenue 2018: $8,323,703Expenses 2018: $3,428,773Net Income 2018: $4,894,9302018Revenue 2019: $7,989,288Expenses 2019: $3,873,801Net Income 2019: $4,115,4872019Revenue 2020: $8,035,028Expenses 2020: $6,282,763Net Income 2020: $1,752,2652020Revenue 2021: $9,899,346Expenses 2021: $8,810,950Net Income 2021: $1,088,3962021Revenue 2022: $12,692,635Expenses 2022: $9,591,248Net Income 2022: $3,101,3872022Revenue 2023: $17,020,561Expenses 2023: $10,410,556Net Income 2023: $6,610,0052023Revenue 2024: $19,256,710Expenses 2024: $13,179,783Net Income 2024: $6,076,9272024

Highlighted filing

2024

Revenue$19,256,710
Expenses$13,179,783
Net Income$6,076,927
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
$157,269,428
Liabilities
$112,722,613
Net assets
$44,546,815
Revenue
$19,256,710
Expenses
$13,179,783
Net income
$6,076,927
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$157$113$44.5$19.3$13.2$6.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$92.4$38.5$17.0$10.4$6.61
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$102$69.7$32.4$12.7$9.59$3.10
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.6$46.3$29.3$9.90$8.81$1.09
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.7$46.5$28.2$8.04$6.28$1.75
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.6$28.9$26.7$7.99$3.87$4.12
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.7$11.2$22.5$8.32$3.43$4.89
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.4$10.8$17.7$3.37$3.52$0.15
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.7$8.87$17.8$9.10$7.09$2.01
2015Summary only. Only limited summary data is available for this year.$26.5$10.8$15.8$3.19$2.89$0.30
2014Detailed filing. Detailed filing data is available for this year.$29.7$14.2$15.5$5.29$4.64$0.65
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$28.0$13.1$14.8$1.13$1.00$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.6$11.3$14.3$1.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.6$9.87$5.74$0.61
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.1$15.2$0.93$0.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.2
Gross Receipts
$19,256,710
Mission and Program Overview

Mission

To raise and deploy capital to support the development of healthy and vibrant neighborhoods in order to improve the quality of life for residents of these communities.

To raise & deploy capital to support the development of healthy & vibrant neighborhoods.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$80,024,134$104,564,568▲ $24,540,434
Investments Program Related$14,999,887$14,257,168▼ $742,719
Cash and Non-Interest-Bearing Accounts$5,100,256$7,482,061▲ $2,381,805
Accounts Receivable$1,734,065$1,824,840▲ $90,775
Pledges and Grants Receivable$6,175$100,000▲ $93,825
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$130,855,621$157,269,428▲ $26,413,807
Other Assets Total$28,991,104$29,040,791▲ $49,687
Liabilities
Mortgage Notes Payable Secured by Investment Property$69,838,783$97,493,930▲ $27,655,147
Deferred Revenue$13,815,670$10,467,381▼ $3,348,289
Accounts Payable and Accrued Expenses$5,522,001$2,586,303▼ $2,935,698
Other Liabilities$3,209,279$2,174,999▼ $1,034,280
Total Liabilities$92,385,733$112,722,613▲ $20,336,880
Net Assets / Fund Balance
Net Assets With Donor Restrictions$21,692,201$22,688,411▲ $996,210
Net Assets Without Donor Restrictions$16,777,687$21,858,404▲ $5,080,717
Total Net Assets Fund Balance$38,469,888$44,546,815▲ $6,076,927
Total Liabilities and Net Assets / Fund Balance$130,855,621$157,269,428▲ $26,413,807

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$60,285$60,285
Investment Program Related Org$98,583--
Other Assets Org$451,847--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Kathy KampChair
Akobe Sandy - Part YearDirector
Brett MacleodDirector
Jason PaulateerDirector
Josh EarnDirector
Kenyetta Mccurdy-byrdDirector
Mark AngeliniDirector
Michael J Taylor - Part YearDirector
Quinetta Roberson Connally - Part YDirector
Brett OumedianCFO
Adrian BrooksSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Clark Hill PlcLegal ServicesPO BOX 3760, Pittsburg, PA 15230$241,300
225 Washington LLCLeasing And Building Management225 W WASHINGTON SUITE 550, Chicago, IL 60606$168,439
Revenue and Support

Revenue Composition

Contributions and Grants
$8,421,930
Program Service Revenue
$10,262,341
Investment Income
$566,795
Other Revenue
$5,644
All Other Contributions
$1,282,772
Change in Net Assets
$6,076,927
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$8,291,784
Other Expenses$4,887,999
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,963,983$2,027,542-$6,991,525
Interest$2,870,684--$2,870,684
Fees for Services Other$436,743$154,249-$590,992
Other Employee Benefits$313,225$127,937-$441,162
Payroll Taxes$309,477$126,406-$435,883
Pension Plan Contributions$300,482$122,732-$423,214
Office Expenses$223,542$78,950-$302,492
Travel$194,491$70,123-$264,614
Occupancy$119,860$43,215-$163,075
Advertising$34,729$12,265-$46,994
Fees for Services Accounting$41,059$3,091-$44,150
Fees for Services Legal$18,269$1,375-$19,644
Other Expenses$5,494--$5,494
Total Functional Expenses$10,411,898$2,767,885$0$13,179,783
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
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Escrow Deposits Payable$1,124,342
Accrued Interest Payable$973,489
Other Accrued Liabilities$77,168
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
No
Other officer compensation reviewed
Yes
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 B, Line 11B

“A copy of the current year return is provided to the board prior to finalizing the return.”

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

“The conflict of interest policy is reviewed annually at board meetings.”

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

“All compensation is reviewed during annual compensation review performed by the cinnaire compensation committee (cfo, coo, cso and chro). This committee reviews compensation adjustment recommendations submitted by the direct supervisor of the employee. Board of directors approves overall percentage increase for salary and benefits expense line during their review and approval of the upcoming year's budget.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available upon request.”

Filing and Contact Details

Filer

Filer Name
Cinnaire Lending Corporation
EIN
38-3666288
Phone
5174828555
Address
1118 S WASHINGTON AVE, LANSING, MI 48910

Signing Officer

Name
Brett Oumedian
Title
CFO
Phone
5174828555
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brett Oumedian
Formed
2002
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
0
Volunteers
8

Preparer

Firm
Plante & Moran Pllc
Address
8181 E TUFTS AVE SUITE 600, DENVER, CO 80237
Preparer
Dori J Eggett
Phone
3037409400
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“In the preparation of tax returns, tax positions are taken based on interpretation of federal, state and local income tax laws. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts, including interest and penalties, ultimately due or owed. No amounts have been identified, or recorded, as uncertain tax positions. Federal, state and local tax returns generally remain open for examination by the various taxing authorities for a period of three to four years.”

Raw XML AppendixShowing 400 of 635 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt05522001
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02586303
IRS990/AccountsReceivableGrp/BOYAmt01734065
IRS990/AccountsReceivableGrp/EOYAmt01824840
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO RAISE & DEPLOY CAPITAL TO SUPPORT THE DEVELOPMENT OF HEALTHY & VIBRANT NEIGHBORHOODS.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt012265
IRS990/AdvertisingGrp/ProgramServicesAmt034729
IRS990/AdvertisingGrp/TotalAmt046994
IRS990/AllOtherContributionsAmt01282772
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0BRETT OUMEDIAN
IRS990/BooksInCareOfDetail/PhoneNum05174828555
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01118 S WASHINGTON AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0LANSING
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048910
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt05100256
IRS990/CashNonInterestBearingGrp/EOYAmt07482061
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt0241300
IRS990/ContractorCompensationGrp/CompensationAmt1168439
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 3760
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1225 W WASHINGTON SUITE 550
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0PITTSBURG
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0PA
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CLARK HILL PLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1225 WASHINGTON LLC
IRS990/ContractorCompensationGrp/ServicesDesc0LEGAL SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1LEASING AND BUILDING MANAGEMENT
IRS990/CreditCounselingInd00
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IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0566795
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IRS990/CYOtherRevenueAmt05644
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IRS990/CYTotalRevenueAmt019256710
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IRS990/DelegationOfMgmtDutiesInd00
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IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt010411898
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditPerformedInd01
IRS990/FederalGrantAuditRequiredInd01
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IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt041059
IRS990/FeesForServicesAccountingGrp/TotalAmt044150
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IRS990/FeesForServicesOtherGrp/TotalAmt0590992
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/PersonNm1ADRIAN BROOKS
IRS990/Form990PartVIISectionAGrp/PersonNm2MARK ANGELINI
IRS990/Form990PartVIISectionAGrp/PersonNm3JOSH EARN
IRS990/Form990PartVIISectionAGrp/PersonNm4KENYETTA MCCURDY-BYRD
IRS990/Form990PartVIISectionAGrp/PersonNm5BRETT MACLEOD
IRS990/Form990PartVIISectionAGrp/PersonNm6JASON PAULATEER
IRS990/Form990PartVIISectionAGrp/PersonNm7AKOBE SANDY - PART YEAR
IRS990/Form990PartVIISectionAGrp/PersonNm8MICHAEL J TAYLOR - PART YEAR
IRS990/Form990PartVIISectionAGrp/PersonNm9QUINETTA ROBERSON CONNALLY - PART Y
IRS990/Form990PartVIISectionAGrp/PersonNm10BRETT OUMEDIAN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02002
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GovernmentGrantsAmt07139158
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt019256710
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt02870684
IRS990/InterestGrp/TotalAmt02870684
IRS990/InvestmentIncomeGrp/ExclusionAmt0566795
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0566795
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsProgramRelatedGrp/BOYAmt014999887
IRS990/InvestmentsProgramRelatedGrp/EOYAmt014257168
IRS990/IRPDocumentCnt029
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt060285
IRS990/LandBldgEquipBasisNetGrp/BOYAmt00
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt060285
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CINNAIRE LENDING (CL), ESTABLISHED IN 2002, IS A CERTIFIED CDFI AND HAS A MISSION TO RAISE AND DEPLOY CAPITAL TO SUPPORT THE DEVELOPMENT OF HEALTHY AND VIBRANT COMMUNITIES IN ORDER TO IMPROVE THE QUALITY OF LIFE FOR RESIDENTS OF THESE COMMUNITIES. THE END GOAL IS TO IMPROVE THE QUALITY OF LIFE FOR RESIDENTS OF THESE COMMUNITIES. CL PROVIDES PRE-DEVELOPMENT, ACQUISITION, BRIDGE LOANS, AND PERMANENT FINANCING FOR MULTI-FAMILY RENTAL COMMUNITIES THAT SERVE LOW- AND MODERATE-INCOME PERSONS INCLUDING SPECIAL NEEDS POPULATIONS. IN ADDITION TO ITS FINANCING PRODUCTS, CL SUPPORTS COMMUNITY DEVELOPMENT BY CONSULTING WITH DEVELOPERS ON UTILIZING ALL AVAILABLE FINANCING SOURCES TO ENSURE THE LONG-TERM VIABILITY OF DEVELOPMENTS. CL TARGETS ITS CONSULTING SERVICES TO NON-PROFIT ORGANIZATIONS TO HELP NON-PROFITS BE AN INTEGRAL PARTNER IN DEVELOPMENTS IN THEIR COMMUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt069838783
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt097493930
IRS990/NetAssetsOrFundBalancesBOYAmt038469888
IRS990/NetAssetsOrFundBalancesEOYAmt044546815
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt016777687
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt021858404
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt043215
IRS990/OccupancyGrp/ProgramServicesAmt0119860
IRS990/OccupancyGrp/TotalAmt0163075
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt078950
IRS990/OfficeExpensesGrp/ProgramServicesAmt0223542
IRS990/OfficeExpensesGrp/TotalAmt0302492
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt028991104
IRS990/OtherAssetsTotalGrp/EOYAmt029040791
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0127937
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0313225
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0441162
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1GRANT EXPENSES
IRS990/OtherExpensesGrp/ProgramServicesAmt0579860
IRS990/OtherExpensesGrp/ProgramServicesAmt15494
IRS990/OtherExpensesGrp/TotalAmt0579860
IRS990/OtherExpensesGrp/TotalAmt15494
IRS990/OtherLiabilitiesGrp/BOYAmt03209279
IRS990/OtherLiabilitiesGrp/EOYAmt02174999
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS REVENUE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05644
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05644
IRS990/OtherRevenueTotalAmt05644
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt02027542
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt04963983
IRS990/OtherSalariesAndWagesGrp/TotalAmt06991525
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt080024134
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0104564568
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0126406
IRS990/PayrollTaxesGrp/ProgramServicesAmt0309477
IRS990/PayrollTaxesGrp/TotalAmt0435883
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0122732
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0300482
IRS990/PensionPlanContributionsGrp/TotalAmt0423214
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt06175
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0100000
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0BRETT OUMEDIAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/BusinessCd4541610
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1TAX CREDIT REVENUE
IRS990/ProgramServiceRevenueGrp/Desc2ORIGINATION FEES
IRS990/ProgramServiceRevenueGrp/Desc3LOAN SERVICING FEES
IRS990/ProgramServiceRevenueGrp/Desc4CONSULTING FEE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05704307
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12919856
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21258470
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3307158
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt472550
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05704307
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12919856
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21258470
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3307158
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt472550
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt08697337
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IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0613171
IRS990/PYOtherExpensesAmt03922094
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07710053
IRS990/PYRevenuesLessExpensesAmt06610005
IRS990/PYSalariesCompEmpBnftPaidAmt06488462
IRS990/PYTotalExpensesAmt010410556
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt017020561
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt06076927
IRS990/RegularMonitoringEnfrcInd01
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IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
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IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt010267985
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt08421930
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt08697337
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt07341796
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt05281102
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt03091851
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt032834016
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt0566795
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt03597603
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt02616266
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt02043384
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0127069
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt08951117
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt010267985
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt04725621
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt02734573
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt02574860
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt04816108
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt025119147
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt0566795
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt03597603
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt02616266
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt02043384
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0127069
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt08951117
IRS990ScheduleA/InvestmentIncomeCYPct00.13380
IRS990ScheduleA/InvestmentIncomePYPct00.15370
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.83510
IRS990ScheduleA/PublicSupportPY509Pct00.80490
IRS990ScheduleA/PublicSupportTotal509Amt055870208
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt0993654
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt0593128
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt0496173
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt02082955
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus2YearsAmt0993654
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt0593128
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus4YearsAmt0496173
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt02082955
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt018689915
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt013422958
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt010076369
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt07855962
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt07907959
IRS990ScheduleA/Total509Grp/TotalAmt057953163
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt019256710
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt017020561
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt012692635
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt09899346
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt08035028
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt066904280
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleC/DirectContactLegislatorsInd00
IRS990ScheduleC/GrantsOtherOrganizationsInd00
IRS990ScheduleC/MailingsMembersInd00
IRS990ScheduleC/MediaAdvertisementsInd00
IRS990ScheduleC/NotDescribedSection501c3Ind00
IRS990ScheduleC/OtherActivitiesAmt022595
IRS990ScheduleC/OtherActivitiesInd01
IRS990ScheduleC/PaidStaffOrManagementInd01
IRS990ScheduleC/PublicationsOrBroadcastInd00
IRS990ScheduleC/RalliesDemonstrationsInd00
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0PAYROLL ATTRIBUTED TO LOBBYING COSTS WAS $4,595.
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt1THE OTHER ACTIVITIES INCLUDED HAVING A RELATIONSHIP WITH CLARK HILL PLC, WHO PROVIDES SEVERAL SERVICES INCLUDING LEGAL AND GOVERNMENTAL AFFAIRS REPRESENTATION IN MICHIGAN. OF THE TOTAL SERVICES PROVIDED 20% WAS RELATED TO LOBBYING ACTIVITIES OR $18,000 ($90,000 X 20%).
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART II-B LINE 1(B)
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc1PART II-B LINE 1(I)
IRS990ScheduleC/TotalLobbyingExpendituresAmt022595
IRS990ScheduleC/VolunteersInd00

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