Civic Intelligence

Up Business Capital

990 • Fiscal year 2019 • EIN 45-2471096

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 29, 2020

Organization ProfileN/A
1401 Presque Isle Jacobetti No 2Marquette, MI 49855

(906) 228-5571

Siviq Scores

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

Liabilities / Assets

91st percentile

0.80x

Higher debt load relative to assets than 91% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Liabilities / Revenue

99th percentile

12.64x

Higher debt load relative to revenue than 99% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Net Margin

78th percentile

22%

Higher net margin than 78% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Top Officer Pay

95th percentile

$180,476

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 330.8% of source-year revenue.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Asset Growth

24th percentile

-4.8%

Faster asset growth than 24% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Revenue Growth

34th percentile

-3.0%

Faster revenue growth than 34% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets91st percentile

Assets

Flat

$864,555

Flat from 2019

Net Assets

Flat

$174,834

Flat from 2019

Liabilities

Flat

$689,721

Flat from 2019

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin78th percentile

Revenue

Flat

$54,559

Flat from 2019

Expenses

Flat

$42,746

Flat from 2019

Net Income

Flat

$11,813

Flat from 2019

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$1.5M$1.0M$500K$0Assets 2015: $1,009,819Liabilities 2015: $907,224Net Assets 2015: $102,5952015Assets 2016: $985,717Liabilities 2016: $853,677Net Assets 2016: $132,0402016Assets 2017: $928,451Liabilities 2017: $799,636Net Assets 2017: $128,8152017Assets 2018: $907,983Liabilities 2018: $744,962Net Assets 2018: $163,0212018Assets 2019: $864,555Liabilities 2019: $689,721Net Assets 2019: $174,8342019Assets 2019: $864,555Liabilities 2019: $689,721Net Assets 2019: $174,8342019Assets 2020: $769,229Liabilities 2020: $633,985Net Assets 2020: $135,2442020Assets 2021: $686,201Liabilities 2021: $577,689Net Assets 2021: $108,5122021Assets 2022: $679,908Liabilities 2022: $525,861Net Assets 2022: $154,0472022Assets 2023: $604,836Liabilities 2023: $474,256Net Assets 2023: $130,5802023Assets 2024: $509,955Liabilities 2024: $414,547Net Assets 2024: $95,4082024

Highlighted filing

2019

Assets$864,555
Liabilities$689,721
Net Assets$174,834
Open 2019 Filing

Operations Trend

Revenue Growth34th percentile

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

$300K$200K$100K$0-$100K-$200KRevenue 2015: $68,255Expenses 2015: $219,671Net Income 2015: -$151,4162015Revenue 2016: $60,798Expenses 2016: $31,353Net Income 2016: $29,4452016Revenue 2017: $62,307Expenses 2017: $65,532Net Income 2017: -$3,2252017Revenue 2018: $56,271Expenses 2018: $22,065Net Income 2018: $34,2062018Revenue 2019: $54,559Expenses 2019: $42,746Net Income 2019: $11,8132019Revenue 2019: $54,559Expenses 2019: $42,746Net Income 2019: $11,8132019Revenue 2020: $53,375Expenses 2020: $92,965Net Income 2020: -$39,5902020Revenue 2021: $47,133Expenses 2021: $73,865Net Income 2021: -$26,7322021Revenue 2022: $35,049Expenses 2022: $48,790Net Income 2022: -$13,7412022Revenue 2023: $22,355Expenses 2023: $46,592Net Income 2023: -$24,2372023Revenue 2024: $20,354Expenses 2024: $54,301Net Income 2024: -$33,9472024

Highlighted filing

2019

Revenue$54,559
Expenses$42,746
Net Income$11,813
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 29, 2020
Return Version
2019v5.1
Gross Receipts
$54,559
Mission and Program Overview

Mission

To provide tailored business solutions to advance and connect rural economies and their communities.

To provide tailored business solutions to advance and connect rural economies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$700,242$495,361▼ $204,881
Savings and Temporary Cash Investments$204,315$362,158▲ $157,843
Rtn Earn Endowment Incm Other Fnds$163,021$174,834▲ $11,813
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$907,983$864,555▼ $43,428
Other Assets Total$3,426$7,036▲ $3,610
Liabilities
Mortgage Notes Payable Secured by Investment Property$744,962$689,721▼ $55,241
Total Liabilities$744,962$689,721▼ $55,241
Net Assets / Fund Balance
Total Net Assets Fund Balance$163,021$174,834▲ $11,813
Total Liabilities and Net Assets / Fund Balance$907,983$864,555▼ $43,428
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleOtherTotal
Charles H HurstBoard Secretary$110,673$110,673

Board Members and Trustees

NameTitle
Dennis J WestPresident, Board Chariman
Alfred Joyal IiiBoard Director
Bob ValentineBoard Director
Brian SheridanBoard Director
Jesse SchrammBoard Director
Meredith FreemanBoard Director
Thomas VearBoard Director
Wes Maurer JrBoard Director
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$54,520
Investment Income
$39
Other Revenue
$0
Change in Net Assets
$11,813
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$42,746
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$18,417$1,583-$20,000
Interest$7,115--$7,115
Other Expenses$2,526--$2,526
Office Expenses$1,033--$1,033
Total Functional Expenses$41,163$1,583$0$42,746
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
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
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The organization has a management services contract with northern great lakes initiatives (ngli), which is a related entity as disclosed on schedule r, for management of its loan operations. Two persons received compensation from ngli which is reported in part vii.”

Form 990, Part VI, Section A, Line 7A

“All members of the board of directors are appointed by northern great lakes initiatives.”

Form 990, Part VI, Section A, Line 8B

“The organization does not have committees with authority to act on behalf of the governing body.”

Form 990, Part VI, Section B, Line 11B

“A copy of the form 990 is made available to all board members via email before filing.”

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

“The organization's officers and directors sign the conflict of interest policy on an annual basis.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy and financial statements are not made available to the public.”

Filing and Contact Details

Filer

Filer Name
Up Business Capital
EIN
45-2471096
Phone
9062285571
Address
1401 PRESQUE ISLE JACOBETTI NO 2, MARQUETTE, MI 49855

Signing Officer

Name
Charles H Hurst
Title
Board Secretary
Phone
9062285571
Signed
2020-10-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Elissa Sangalli
Formed
2002
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
7
Employees
0
Volunteers
9

Preparer

Firm
Makela Toutant Hill Nardi & Katona Pc
Address
201 W BLUFF STREET, MARQUETTE, MI 49855
Preparer
Robin Rauvala CPA
Phone
9062283600
Raw XML AppendixShowing 400 of 435 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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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt068255
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0302190
IRS990/ScheduleBRequiredInd00
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0143693
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt09724
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt026017
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt01602
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DENNIS J WEST
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT, BOARD CHARIMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0181036
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS A MANAGEMENT SERVICES CONTRACT WITH NORTHERN GREAT LAKES INITIATIVES (NGLI), WHICH IS A RELATED ENTITY AS DISCLOSED ON SCHEDULE R, FOR MANAGEMENT OF ITS LOAN OPERATIONS. TWO PERSONS RECEIVED COMPENSATION FROM NGLI WHICH IS REPORTED IN PART VII.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL MEMBERS OF THE BOARD OF DIRECTORS ARE APPOINTED BY NORTHERN GREAT LAKES INITIATIVES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION DOES NOT HAVE COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE FORM 990 IS MADE AVAILABLE TO ALL BOARD MEMBERS VIA EMAIL BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION'S OFFICERS AND DIRECTORS SIGN THE CONFLICT OF INTEREST POLICY ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0NORTHERN GREAT LAKES INITIATIVES
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0473130767
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0LENDING, ECONOMIC DEVELOPMENT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 7
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt01401 PRESQUE ISLE AVE JACOBETTI COM
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IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd01
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalAssetsEOYAmt0864555
IRS990/TotalAssetsGrp/BOYAmt0907983
IRS990/TotalAssetsGrp/EOYAmt0864555
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01583
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt041163
IRS990/TotalFunctionalExpensesGrp/TotalAmt042746
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0744962
IRS990/TotalLiabilitiesEOYAmt0689721
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IRS990/TotalLiabilitiesGrp/EOYAmt0689721
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0163021
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0174834
IRS990/TotalOtherCompensationAmt043339
IRS990/TotalProgramServiceExpensesAmt041163
IRS990/TotalProgramServiceRevenueAmt054520
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt039
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt054520
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt054559
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0907983
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0864555
IRS990/TotReportableCompRltdOrgAmt0247810
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0MARQUETTE
IRS990/USAddress/StateAbbreviationCd0MI
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IRS990/WhistleblowerPolicyInd01

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$864,555
Liabilities
$689,721
Net assets
$174,834
Revenue
$54,559
Expenses
$42,746
Net income
$11,813
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.51$0.41$0.10$0.02$0.05$0.03
2023Summary only. Only limited summary data is available for this year.$0.60$0.47$0.13$0.02$0.05$0.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.68$0.53$0.15$0.04$0.05$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.69$0.58$0.11$0.05$0.07$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.77$0.63$0.14$0.05$0.09$0.04
2019Detailed filing. Detailed filing data is available for this year.$0.86$0.69$0.17$0.05$0.04$0.01
2019Summary only. Only limited summary data is available for this year.$0.86$0.69$0.17$0.05$0.04$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.91$0.74$0.16$0.06$0.02$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.93$0.80$0.13$0.06$0.07$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.85$0.13$0.06$0.03$0.03
2015Detailed filing. Detailed filing data is available for this year.$1.01$0.91$0.10$0.07$0.22$0.15