Civic Intelligence

Up Business Capital

990 • Fiscal year 2020 • EIN 45-2471096

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 19, 2021

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

0.82x

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

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

99th percentile

11.88x

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

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Net Margin

6th percentile

-74%

Higher net margin than 6% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Top Officer Pay

92nd percentile

$126,435

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 236.9% of source-year revenue.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Asset Growth

11th percentile

-11%

Faster asset growth than 11% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Revenue Growth

48th percentile

-2.2%

Faster revenue growth than 48% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets91st percentile

Assets

Down

$769,229

Down $95,326 (-11%) from 2019

Net Assets

Down

$135,244

Down $39,590 (-23%) from 2019

Liabilities

Down

$633,985

Down $55,736 (-8.1%) from 2019

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin6th percentile

Revenue

Down

$53,375

Down $1,184 (-2.2%) from 2019

Expenses

Up

$92,965

Up $50,219 (+117%) from 2019

Net Income

Down

-$39,590

Down $51,403 (-435%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth11th 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 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

2020

Assets$769,229
Liabilities$633,985
Net Assets$135,244
Open 2020 Filing

Operations Trend

Revenue Growth48th 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 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

2020

Revenue$53,375
Expenses$92,965
Net Income-$39,590
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 19, 2021
Return Version
2020v4.1
Gross Receipts
$56,594
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$495,361$580,114▲ $84,753
Savings and Temporary Cash Investments$362,158$187,231▼ $174,927
Rtn Earn Endowment Incm Other Fnds$174,834$135,244▼ $39,590
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$864,555$769,229▼ $95,326
Other Assets Total$7,036$1,884▼ $5,152
Liabilities
Mortgage Notes Payable Secured by Investment Property$689,721$633,985▼ $55,736
Total Liabilities$689,721$633,985▼ $55,736
Net Assets / Fund Balance
Total Net Assets Fund Balance$174,834$135,244▼ $39,590
Total Liabilities and Net Assets / Fund Balance$864,555$769,229▼ $95,326
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleOtherTotal
Elissa SangalliPresident, Board Chair (part Year)$126,435$126,435
Charles H HurstBoard Secretary$111,201$111,201
Dennis WestPresident, Board Chair (part Year)$110,807$110,807

Board Members and Trustees

NameTitle
Alfred Joyal IiiBoard Director
Brian SheridanBoard Director
Jesse SchrammBoard Director
Thomas VearBoard Director
Wes Maurer JrBoard Director
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$52,925
Investment Income
$450
Other Revenue
$0
Change in Net Assets
$-39,590
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$92,965
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$12,713$17,287-$30,000
Interest$6,577--$6,577
Other Expenses$2,680--$2,680
Office Expenses$1,191--$1,191
Total Functional Expenses$75,678$17,287$0$92,965
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. Three 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
Elissa Sangalli
Title
President
Phone
9062285571
Signed
2021-10-19
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 407 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/CurrentTaxYearMinus4YearsAmt060798
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0287310
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
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. THREE 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
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0473130767
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0LENDING, ECONOMIC DEVELOPMENT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 7
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IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
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
IRS990/TotalAssetsBOYAmt0864555
IRS990/TotalAssetsEOYAmt0769229
IRS990/TotalAssetsGrp/BOYAmt0864555
IRS990/TotalAssetsGrp/EOYAmt0769229
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt017287
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt075678
IRS990/TotalFunctionalExpensesGrp/TotalAmt092965
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0689721
IRS990/TotalLiabilitiesEOYAmt0633985
IRS990/TotalLiabilitiesGrp/BOYAmt0689721
IRS990/TotalLiabilitiesGrp/EOYAmt0633985
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0135244
IRS990/TotalOtherCompensationAmt033103
IRS990/TotalProgramServiceExpensesAmt075678
IRS990/TotalProgramServiceRevenueAmt052925
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt017
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt053358
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt053375
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0864555
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0769229
IRS990/TotReportableCompRltdOrgAmt0315340
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/ZIPCd049855
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ELISSA SANGALLI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09062285571
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-10-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UP BUSINESS CAPITAL
ReturnHeader/Filer/BusinessNameControlTxt0UPBU
ReturnHeader/Filer/EIN0452471096
ReturnHeader/Filer/PhoneNum09062285571
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0201 W BLUFF STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MARQUETTE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049855
ReturnHeader/PreparerPersonGrp/PhoneNum09062283600
ReturnHeader/PreparerPersonGrp/PreparationDt02021-09-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBIN RAUVALA CPA

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$769,229
Liabilities
$633,985
Net assets
$135,244
Revenue
$53,375
Expenses
$92,965
Net income
-$39,590
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
2020Detailed filing. Detailed filing data is available for this year.$0.77$0.63$0.14$0.05$0.09$0.04
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