Civic Intelligence

Otr Resources

990 • Fiscal year 2018 • EIN 38-3910893

Jan 01, 2018 to Dec 31, 2018 • Filed on Jun 17, 2019

1305 Wycliff Avenue Suite 140Dallas, TX 75207

(214) 226-2542

Siviq Scores

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

Liabilities / Assets

29th percentile

0.01x

Higher debt load relative to assets than 29% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

19th percentile

0.01x

Higher debt load relative to revenue than 19% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

87th percentile

38%

Higher net margin than 87% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

90th percentile

$200,972

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 8.7% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

86th percentile

30%

Faster asset growth than 86% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

85th percentile

40%

Faster revenue growth than 85% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Assets

Up

$813,108

Up $185,633 (+30%) from 2017

Net Assets

Up

$801,159

Up $352,674 (+79%) from 2017

Liabilities

Down

$11,949

Down $167,041 (-93%) from 2017

Revenue

Up

$2,302,939

Up $656,825 (+40%) from 2017

Expenses

Up

$1,430,592

Up $295,273 (+26%) from 2017

Net Income

Up

$872,347

Up $361,552 (+71%) from 2017

Historical Trend

Balance Sheet Trend

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

$20M$10M$0-$10MAssets 2013: $45,125Liabilities 2013: $60,0002013Assets 2014: $14,065Liabilities 2014: $406,712Net Assets 2014: -$392,6472014Assets 2015: $76,880Liabilities 2015: $393,503Net Assets 2015: -$316,6232015Assets 2016: $580,933Liabilities 2016: $643,243Net Assets 2016: -$62,3102016Assets 2017: $627,475Liabilities 2017: $178,990Net Assets 2017: $448,4852017Assets 2018: $813,108Liabilities 2018: $11,949Net Assets 2018: $801,1592018Assets 2019: $3,187,712Liabilities 2019: $20,839Net Assets 2019: $3,166,8732019Assets 2020: $9,649,605Liabilities 2020: $8,218,395Net Assets 2020: $1,431,2102020Assets 2021: $16,314,652Liabilities 2021: $16,350,102Net Assets 2021: -$35,4502021Assets 2022: $16,935,632Liabilities 2022: $17,647,246Net Assets 2022: -$711,6142022Assets 2023: $11,746,055Liabilities 2023: $17,759,110Net Assets 2023: -$6,013,0552023Assets 2024: $4,416,968Liabilities 2024: $12,187,524Net Assets 2024: -$7,770,5562024

Highlighted filing

2018

Assets$813,108
Liabilities$11,949
Net Assets$801,159

Operations Trend

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

$10M$5.0M$0-$5.0MRevenue 2013: $7,200Expenses 2013: $22,074Net Income 2013: -$14,8742013Revenue 2014: $74,192Expenses 2014: $348,844Net Income 2014: -$274,6522014Revenue 2015: $168,874Expenses 2015: $135,047Net Income 2015: $33,8272015Revenue 2016: $708,634Expenses 2016: $420,899Net Income 2016: $287,7352016Revenue 2017: $1,646,114Expenses 2017: $1,135,319Net Income 2017: $510,7952017Revenue 2018: $2,302,939Expenses 2018: $1,430,592Net Income 2018: $872,3472018Revenue 2019: $5,179,121Expenses 2019: $2,178,407Net Income 2019: $3,000,7142019Revenue 2020: $938,577Expenses 2020: $2,674,240Net Income 2020: -$1,735,6632020Revenue 2021: $5,467,366Expenses 2021: $8,159,026Net Income 2021: -$2,691,6602021Revenue 2022: $2,765,922Expenses 2022: $3,442,086Net Income 2022: -$676,1642022Revenue 2023: $2,891,033Expenses 2023: $2,734,943Net Income 2023: $156,0902023Revenue 2024: $1,767,095Expenses 2024: $2,527,127Net Income 2024: -$760,0322024

Highlighted filing

2018

Revenue$2,302,939
Expenses$1,430,592
Net Income$872,347
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jun 17, 2019
Return Version
2018v3.1
Gross Receipts
$2,331,644
Mission and Program Overview

Mission

On the road lending seeks to lift the disadvantaged and working poor from poverty by helping them overcome transportation barriers so they can find and retain jobs, lead healthier lives, and avoid predatory lenders. We find reliable fuel-efficient vehicles for clients, provide them with long-term financial coaching, and prepare them for a below-market interest rate loan that will help them build assets, credit, and financial capability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pledges and Grants Receivable$331,500$706,274▲ $374,774
Cash and Non-Interest-Bearing Accounts$264,347$63,485▼ $200,862
Land, Buildings, and Equipment, Net$21,867$22,979▲ $1,112
Prepaid Expenses and Deferred Charges$2,107$12,715▲ $10,608
Total Assets$627,475$813,108▲ $185,633
Other Assets Total$7,654$7,655▲ $1
Liabilities
Accounts Payable and Accrued Expenses$39,750$11,649▼ $28,101
Unsecured Notes Loans Payable$139,240$300▼ $138,940
Total Liabilities$178,990$11,949▼ $167,041
Net Assets / Fund Balance
Unrestricted Net Assets$448,485$801,159▲ $352,674
Total Net Assets Fund Balance$448,485$801,159▲ $352,674
Total Liabilities and Net Assets / Fund Balance$627,475$813,108▲ $185,633

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$22,979$12,532$35,511
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle CorsonDirectorFT$200,000$972$200,972

Board Members and Trustees

NameTitle
Jay AltizerChairman
David ChardDirector
Josh MayfieldDirector
Mara McneillDirector
Matt KnottDirector
Paula SteinDirector
Robbie MatamorosDirector
Verre HawkinsDirector
Yolanda TrunerDirector
Maria CoelloTreasurer
Peter DetrempeVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$1,699,502
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$603,437
All Other Contributions
$1,699,502
Change in Net Assets
$872,347

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Other Non Cash Contri Table1$40,000Fair Market Value (FMV)
Other Non Cash Contri Table1$22,000Fair Market Value (FMV)
Total Noncash Contributions2$62,000-

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,812,939
Revenue Not Reported on Financial Statements
$490,000
Revenue Not Reported on Form 990
$28,705
Other Revenue Adjustments
$490,000
Total Revenue per Audited Statements
$1,841,644
Total Revenue per Form 990
$2,302,939
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$780,344
Other Expenses$650,248
Total Fundraising Expense$155,593
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$52,668$172,000$141,000$365,668
Current Officers, Directors, Trustees, and Key Employees$339,728--$339,728
Occupancy$76,627$20,482-$97,109
Information Technology$86,880--$86,880
Fees for Services Other$66,756--$66,756
Travel$55,716--$55,716
Payroll Taxes$29,974$13,101$10,740$53,815
Advertising$45,581--$45,581
All Other Expenses$30,361$12,187-$42,548
Office Expenses$7,035$23,121-$30,156
Other Employee Benefits$12,580$4,700$3,853$21,133
Fees for Services Accounting-$12,682-$12,682
Fees for Services Legal-$12,194-$12,194
Conferences and Meetings$6,132$3,635-$9,767
Other Expenses$8,927--$8,927
Depreciation Depletion-$5,245-$5,245
Insurance-$3,383-$3,383
Total Functional Expenses$992,269$282,730$155,593$1,430,592

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,459,297
Expenses per Audited Statements$1,430,592
Total Expenses per Form 990$1,430,592
Expenses Not Reported on Form 990$28,705
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$59,123
Fundraising Direct Expenses$28,705
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Roadtrip18$59,123$59,123$28,705$30,418
Total Events$59,123$59,123$28,705$30,418
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
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 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
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

Form 990 is emailed to board treasurer before the return is filed.

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

Each member of the board of directors is required annually to sign a "conf lict of interest" statement. Management insures that staff and the board m embers are exempted as contractors and/or vendors of on the road lending

Form 990, Page 6, Part VI, Line 18

The organization's governing documents, policies and financial statements are made available upon request.

Form 990, Page 6, Part VI, Line 19

No documents available to the public

Filing and Contact Details

Filer

Filer Name
On the Road Lending
EIN
38-3910893
Phone
2142262542
Address
1305 WYCLIFF AVENUE SUITE 140, DALLAS, TX 75207

Signing Officer

Name
Michelle Corson
Title
Director
Phone
2142262542
Signed
2019-06-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Corson
Formed
2013
Legal Domicile
TX
Voting Board Members
12
Independent Board Members
11
Employees
12
Volunteers
2

Preparer

Firm
Thomas Stephen & Company Llp
Address
3300 OAK LAWN AVE STE 650, DALLAS, TX 75219
Preparer
Thomas V Stephen
Phone
2148242556
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

On the road lending seeks to lift the disadvantaged and working poor from poverty by helping them overcome transportation barriers so they can find and retain jobs, lead healthier lives, and avoid predatory lenders. We find reliable fuel-efficient vehicles for clients, provide them with long-term financial coaching, and prepare them for a below-market interest rate loan that will help them build assets, credit, and financial capability.

Form 990, Part XI, Line 9

Partnership income otr fund i llc -490,000

Financial Statement Notes

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

Fundraising event expense 28,705

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

Partnership income otr fund i , llc 490,000

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

Fundraising event expense 28,705

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IRS990/OtherExpensesGrp/Desc0DISATER MOBILITY PROGRAM
IRS990/OtherExpensesGrp/Desc1INTAKE
IRS990/OtherExpensesGrp/Desc2HUMAN RESOURCES
IRS990/OtherExpensesGrp/Desc3SEARCH
IRS990/OtherExpensesGrp/ProgramServicesAmt0132486
IRS990/OtherExpensesGrp/ProgramServicesAmt123316
IRS990/OtherExpensesGrp/ProgramServicesAmt217502
IRS990/OtherExpensesGrp/ProgramServicesAmt38927
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IRS990/OtherRevenueMiscGrp/Desc2SUBLEASE INCOME
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt150000
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IRS990/OtherRevenueTotalAmt0573019
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0141000
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0172000
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt052668
IRS990/OtherSalariesAndWagesGrp/TotalAmt0365668
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IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt010740
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt013101
IRS990/PayrollTaxesGrp/ProgramServicesAmt029974
IRS990/PayrollTaxesGrp/TotalAmt053815
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0331500
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0706274
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02107
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt012715
IRS990/PrincipalOfficerNm0MICHELLE CORSON
IRS990/PriorPeriodAdjustmentsAmt0-29673
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgSrvcAccomActy2Grp/Desc0MOBILITY PROGRAM ENABLES CLIENTS TO PURCHASE A LATE MODEL VEHICLE UNDER WARRANTY. ON THE ROAD LENDING WORKED WITH ABOUT 245 PEOPLE IN THE MOBILITY PROGRAM, GETTING 80 INTO VEHICLES DURING 2018.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0347294
IRS990/ProgSrvcAccomActy3Grp/Desc0THE KEY PROGRAM WAS CREATED FOR FAMILIES AND INDIVIDUALS WITH LIMITED JOB STABILITY AND PROVIDES A PROVISIONAL TRANSPORTATION SOLUTION FOR ONE YEAR, AFTER WHICH TIME THE CLIENT GRADUATES TO A NEWER CAR. ON THE ROAD LENDING WORKED WITH ABOUT 30 PEOPLE IN KEY PROGRAM AND GOT 15 INTO CARS DURING 2018.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt049614
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01637344
IRS990/PYExcessBenefitTransInd0false
IRS990/PYOtherExpensesAmt0601859
IRS990/PYOtherRevenueAmt08770
IRS990/PYRevenuesLessExpensesAmt0510795
IRS990/PYSalariesCompEmpBnftPaidAmt0533460
IRS990/PYTotalExpensesAmt01135319
IRS990/PYTotalRevenueAmt01646114
IRS990/ReconcilationRevenueExpnssAmt0872347
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt014,206
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01637344
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0712663
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0168924
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt082613
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt04301046
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0490000
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt010
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0490010
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0142142
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt013616
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt0200
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt0390
IRS990ScheduleA/OtherIncome170Grp/TotalAmt014206
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt03839361
IRS990ScheduleA/SubstantialContributorsTotAmt0461685
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01699502
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01637344
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0712663
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0168924
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt082613
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt04301046
IRS990ScheduleA/TotalSupportAmt04805262
IRS990/ScheduleBRequiredInd0true
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IRS990ScheduleD/ExpensesSubtotalAmt01430592
IRS990ScheduleD/OtherExpensesIncludedAmt028705
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt022979
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt012532
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt035511
IRS990ScheduleD/OtherRevenueAmt028705
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0490000
IRS990ScheduleD/RevenueNotReportedAmt028705
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0490000
IRS990ScheduleD/RevenueSubtotalAmt01812939
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FUNDRAISING EVENT EXPENSE 28,705
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1PARTNERSHIP INCOME OTR FUND I , LLC 490,000
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2FUNDRAISING EVENT EXPENSE 28,705
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XI, LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE D, PAGE 4, PART XII, LINE 2D
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IRS990ScheduleD/TotalExpensesPerForm990Amt01430592
IRS990ScheduleD/TotalRevenuePerForm990Amt02302939
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01841644
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01459297
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt028705
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0ROADTRIP18
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt059123
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt059123
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt059123
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt059123
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt030418
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt028705
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt028705
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
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IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
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IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0972
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHELLE CORSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0200972
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleM/AnyPropertyThatMustBeHeldInd0false
IRS990ScheduleM/OtherNonCashContriTableGrp/ContributionCnt01
IRS990ScheduleM/OtherNonCashContriTableGrp/ContributionCnt11
IRS990ScheduleM/OtherNonCashContriTableGrp/Desc0AIRLINE TICKETS
IRS990ScheduleM/OtherNonCashContriTableGrp/Desc1ONLINE TRAINING
IRS990ScheduleM/OtherNonCashContriTableGrp/MethodOfDeterminingRevenuesTxt0FMV
IRS990ScheduleM/OtherNonCashContriTableGrp/MethodOfDeterminingRevenuesTxt1FMV
IRS990ScheduleM/OtherNonCashContriTableGrp/NonCashCheckboxInd0X
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IRS990ScheduleM/OtherNonCashContriTableGrp/NoncashContributionsRptF990Amt140000
IRS990ScheduleM/ReviewProcessUnusualNCGiftsInd0false
IRS990ScheduleM/ThirdPartiesUsedInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ON THE ROAD LENDING SEEKS TO LIFT THE DISADVANTAGED AND WORKING POOR FROM POVERTY BY HELPING THEM OVERCOME TRANSPORTATION BARRIERS SO THEY CAN FIND AND RETAIN JOBS, LEAD HEALTHIER LIVES, AND AVOID PREDATORY LENDERS. WE FIND RELIABLE FUEL-EFFICIENT VEHICLES FOR CLIENTS, PROVIDE THEM WITH LONG-TERM FINANCIAL COACHING, AND PREPARE THEM FOR A BELOW-MARKET INTEREST RATE LOAN THAT WILL HELP THEM BUILD ASSETS, CREDIT, AND FINANCIAL CAPABILITY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990 IS EMAILED TO BOARD TREASURER BEFORE THE RETURN IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER OF THE BOARD OF DIRECTORS IS REQUIRED ANNUALLY TO SIGN A "CONF LICT OF INTEREST" STATEMENT. MANAGEMENT INSURES THAT STAFF AND THE BOARD M EMBERS ARE EXEMPTED AS CONTRACTORS AND/OR VENDORS OF ON THE ROAD LENDING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION'S GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PARTNERSHIP INCOME OTR FUND I LLC -490,000
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.42$12.2$7.77$1.77$2.53$0.76
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.7$17.8$6.01$2.89$2.73$0.16
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.9$17.6$0.71$2.77$3.44$0.68
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.3$16.4$0.04$5.47$8.16$2.69
2020Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$9.65$8.22$1.43$0.94$2.67$1.74
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.19$0.02$3.17$5.18$2.18$3.00
2018Detailed filing. Detailed filing data is available for this year.$0.81$0.01$0.80$2.30$1.43$0.87
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.63$0.18$0.45$1.65$1.14$0.51
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.58$0.64$0.06$0.71$0.42$0.29
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.08$0.39$0.32$0.17$0.14$0.03
2014Summary only. Only limited summary data is available for this year.$0.01$0.41$0.39$0.07$0.35$0.27
2013Summary only. Only limited summary data is available for this year.$0.05$0.06$0.01$0.02$0.01
Peer Organizations

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