Civic Intelligence

Prosperus Detroit Micro Lending

EIN 46-2997666 • 501(c)3 • Detroit, MI

Profile

ProsperUs advances economic equity in under-resourced communities by supporting entrepreneurs with opportunities and capital needed to build businesses, generational wealth, and vibrant neighborhoods.

440 Burroughs St 360Detroit, MI 48202

n/A

Siviq Scores

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

Liabilities / Assets

56th percentile

0.10x

Higher debt load relative to assets than 56% of similar nonprofits.

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

Liabilities / Revenue

56th percentile

0.11x

Higher debt load relative to revenue than 56% of similar nonprofits.

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

Net Margin

76th percentile

24%

Higher net margin than 76% of similar nonprofits.

501(c)3 • $1M-$5M 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

61st percentile

8.1%

Faster asset growth than 61% of similar nonprofits.

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

Revenue Growth

94th percentile

131%

Faster revenue growth than 94% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$4,555,184

Up $339,800 (+8.1%) from 2023

Liabilities

Down

$472,591

Down $649,226 (-58%) from 2023

Net Assets

Up

$4,082,593

Up $989,026 (+32%) from 2023

Operations
Liabilities / Revenue56th percentileNet Margin76th percentile

Revenue

Up

$4,163,863

Up $2,362,092 (+131%) from 2023

Expenses

Up

$3,174,837

Up $924,984 (+41%) from 2023

Net Income

Up

$989,026

Up $1,437,108 (+321%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

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

$6.0M$4.0M$2.0M$0Assets 2014: $296,538Liabilities 2014: $02014Assets 2015: $305,546Liabilities 2015: $3,1252015Assets 2016: $524,127Liabilities 2016: $0Net Assets 2016: $524,1272016Assets 2017: $580,686Liabilities 2017: $47,000Net Assets 2017: $533,6862017Assets 2018: $1,010,981Liabilities 2018: $10,200Net Assets 2018: $1,000,7812018Assets 2019: $1,119,597Liabilities 2019: $740Net Assets 2019: $1,118,8572019Assets 2020: $2,136,590Liabilities 2020: $60,820Net Assets 2020: $2,075,7702020Assets 2021: $2,318,083Liabilities 2021: $68,137Net Assets 2021: $2,249,9462021Assets 2022: $3,608,105Liabilities 2022: $66,456Net Assets 2022: $3,541,6492022Assets 2023: $4,215,384Liabilities 2023: $1,121,817Net Assets 2023: $3,093,5672023Assets 2024: $4,555,184Liabilities 2024: $472,591Net Assets 2024: $4,082,5932024

Highlighted filing

2024

Assets$4,555,184
Liabilities$472,591
Net Assets$4,082,593
Open 2024 Filing

Operations Trend

Revenue Growth94th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2014: $3,938Expenses 2014: $2,400Net Income 2014: $1,5382014Revenue 2015: $6,048Expenses 2015: $165Net Income 2015: $5,8832015Revenue 2016: $12,878Expenses 2016: $0Net Income 2016: $12,8782016Revenue 2017: $13,663Expenses 2017: $0Net Income 2017: $13,6632017Revenue 2018: $17,372Expenses 2018: $277Net Income 2018: $17,0952018Revenue 2019: $30,428Expenses 2019: $8,406Net Income 2019: $22,0222019Revenue 2020: $1,383,329Expenses 2020: $426,416Net Income 2020: $956,9132020Revenue 2021: $2,015,373Expenses 2021: $1,841,196Net Income 2021: $174,1772021Revenue 2022: $3,302,099Expenses 2022: $2,010,396Net Income 2022: $1,291,7032022Revenue 2023: $1,801,771Expenses 2023: $2,249,853Net Income 2023: -$448,0822023Revenue 2024: $4,163,863Expenses 2024: $3,174,837Net Income 2024: $989,0262024

Highlighted filing

2024

Revenue$4,163,863
Expenses$3,174,837
Net Income$989,026
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,555,184
Liabilities
$472,591
Net assets
$4,082,593
Revenue
$4,163,863
Expenses
$3,174,837
Net income
$989,026
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.56$0.47$4.08$4.16$3.17$0.99
2023Detailed filing. Detailed filing data is available for this year.$4.22$1.12$3.09$1.80$2.25$0.45
2022Detailed filing. Detailed filing data is available for this year.$3.61$0.07$3.54$3.30$2.01$1.29
2021Detailed filing. Detailed filing data is available for this year.$2.32$0.07$2.25$2.02$1.84$0.17
2020Detailed filing. Detailed filing data is available for this year.$2.14$0.06$2.08$1.38$0.43$0.96
2019Detailed filing. Detailed filing data is available for this year.$1.12$0.00$1.12$0.03$0.01$0.02
2018Summary only. Only limited summary data is available for this year.$1.01$0.01$1.00$0.02$0.00$0.02
2017Summary only. Only limited summary data is available for this year.$0.58$0.05$0.53$0.01$0.00$0.01
2016Summary only. Only limited summary data is available for this year.$0.52$0.00$0.52$0.01$0.00$0.01
2015Summary only. Only limited summary data is available for this year.$0.31$0.00$0.01$0.00$0.01
2014Summary only. Only limited summary data is available for this year.$0.30$0.00$0.00$0.00$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$4,163,863
Mission and Program Overview

Mission

To empower emerging entrepreneurs and underserved small businesses with the services, opportunities, and capital needed to grow businesses, build wealth and transform low-income neighborhoods.

ProsperUs advances economic equity in under-resourced communities by supporting entrepreneurs with opportunities and capital needed to build businesses, generational wealth, and vibrant neighborhoods.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,736,242$2,437,890▲ $701,648
Cash and Non-Interest-Bearing Accounts$2,398,274$1,917,246▼ $481,028
Accounts Receivable$792$139,230▲ $138,438
Prepaid Expenses and Deferred Charges$5,253$5,999▲ $746
Land, Buildings, and Equipment, Net$4,536$3,801▼ $735
Total Assets$4,215,384$4,555,184▲ $339,800
Other Assets Total$70,287$51,018▼ $19,269
Liabilities
Deferred Revenue$725,729--
Mortgage Notes Payable Secured by Investment Property$250,000$250,000→ $0
Accounts Payable and Accrued Expenses$120,384$222,591▲ $102,207
Other Liabilities$25,704$0▼ $25,704
Total Liabilities$1,121,817$472,591▼ $649,226
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,149,960$2,655,929▲ $505,969
Net Assets With Donor Restrictions$943,607$1,426,664▲ $483,057
Total Net Assets Fund Balance$3,093,567$4,082,593▲ $989,026
Total Liabilities and Net Assets / Fund Balance$4,215,384$4,555,184▲ $339,800

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,801$1,348$5,149
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul JonesCEOFT$195,858$18,100$213,958
Matthew BihunManagerFT$113,981$15,387$129,368
Joanna Dueweke-PerezManagerFT$110,580$16,740$127,320

Board Members and Trustees

NameTitle
Steve KosudaChairman
Chanell R ContrerasDirector
Don JonesDirector
Hector HernandezDirector
Kimberly FaisonDirector
Pierre BattonDirector
Steve TobocmanDirector
Veronika ScottDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$3,946,942
Program Service Revenue
$212,639
Investment Income
$4,282
Other Revenue
$0
All Other Contributions
$3,946,942
Change in Net Assets
$989,026

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,163,863
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$4,163,863
Total Revenue per Form 990
$4,163,863
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,583,222
Other Expenses$1,121,686
Grants and Similar Amounts Paid$469,929
Total Fundraising Expense$151,777
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$929,971$127,193$84,605$1,141,769
Grants to Domestic Orgs$469,929--$469,929
Current Officers, Directors, Trustees, and Key Employees$174,269$23,835$15,854$213,958
Fees for Services Other$80,636$12,924$32,600$126,160
Advertising$81,809$40,957-$122,766
Payroll Taxes$83,333$11,397$7,581$102,311
Other Employee Benefits$79,636$10,892$7,245$97,773
Fees for Services Accounting-$93,000-$93,000
Information Technology$49,639$28,943-$78,582
Pension Plan Contributions$22,326$3,054$2,031$27,411
Travel$26,344--$26,344
Occupancy$20,460$2,798$1,861$25,119
All Other Expenses$4,767$14,753-$19,520
Insurance-$19,288-$19,288
Other Expenses$15,677$11,915-$11,915
Interest-$2,500-$2,500
Fees for Services Legal-$1,816-$1,816
Depreciation Depletion-$736-$736
Office Expenses$277$80-$357
Total Functional Expenses$2,499,571$523,489$151,777$3,174,837

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,174,837
Total Expenses per Audited Statements$3,174,837
Total Expenses per Form 990$3,174,837
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Ferris Wheel Innovation CenterFlint, MI-Operating Grant$120,019
Metro Detroit Black Business Chamber of CommerceDetroit, MI-Operating Grant$61,016
Detroit Future OppsDetroit, MI-Operating Grant$55,150
Grand Rapids Urban LeagueGrand Rapids, MI-Operating Grant$54,445
Grand Rapids Area Chamber of Commerce IncGrand Rapids, MI-Operating Grant$49,885
Global DetroitDetroit, MI-Operating Grant$40,000
Grabb Local IncGrand Rapids, MI-Operating Grant$37,213
Michigan Womens FoundationDetroit, MI-Operating Grant$11,462
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
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
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, Part VI, Section A, line 8B

“The organization does not have any sub-committee that has the authority to act on behalf of the governing body.”

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

“The Controller and CEO review and approve the 990. Then the 990 is emailed to all Board members for their review prior to filing.”

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

“A Director shall disclose to the Board of Directors any potential or existing conflict of interest consistent with the conflict policy at or prior to a meeting of Board of Directors, such Director shall disclose to the Board of Directors any potential or existing conflict of interest relating to any matter included on the agenda of that meeting or brought to the attention of the Board of Directors at that meeting.”

Form 990, Part VI, Section C, line 19

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

Filing and Contact Details

Filer

Filer Name
Prosperus Detroit Micro Lending
EIN
46-2997666
Phone
3135860655
Address
440 Burroughs St 360, Detroit, MI 48202

Signing Officer

Name
Paul Jones
Title
CEO
Phone
3135860655
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul Jones
Formed
2013
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
8
Employees
20
Volunteers
0

Preparer

Firm
Desmond & Ahern Ltd
Address
10827 S WESTERN AVENUE, CHICAGO, IL 60643-3206
Preparer
Mel Padillo
Phone
7737794720
Supplemental Narrative

Additional Explanations

Form 990, Part XII, line 2C:

“The process has not changed from the prior year.”

Financial Statement Notes

Part X, Line 2:

“FIN 48 Note from Audited Financial Statements ProsperUS Detroit Micro-Lending has been granted tax-exempt status under Section 501(c)(3) of the Internal Revenue Code and qualifies for the charitable contribution deduction. The Organization has been classified as an organization that is not a private foundation. The tax-exempt purpose of the Organization and the nature in which it operates is described in Note 1. The Organization continues to operate in compliance with its tax-exempt purpose. The Organization's annual information and income tax returns filed with the federal and state governments are generally subject to examination by the Internal Revenue Service for three years after filing.”

Raw XML AppendixShowing 400 of 589 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/Desc0Microlending: In 2024, ProsperUs closed 86 microloans totaling $2,354,013. Training & Technical Assistance: In 2024, 138 entrepreneurs participated in our business development training classes, and 196 business service projects were facilitated.
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IRS990/Form990PartVIISectionAGrp/PersonNm6Don Jones
IRS990/Form990PartVIISectionAGrp/PersonNm7Veronika Scott
IRS990/Form990PartVIISectionAGrp/PersonNm8Paul Jones
IRS990/Form990PartVIISectionAGrp/PersonNm9Matthew Bihun
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt9Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt10Manager
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FIN 48 Note from Audited Financial Statements ProsperUS Detroit Micro-Lending has been granted tax-exempt status under Section 501(c)(3) of the Internal Revenue Code and qualifies for the charitable contribution deduction. The Organization has been classified as an organization that is not a private foundation. The tax-exempt purpose of the Organization and the nature in which it operates is described in Note 1. The Organization continues to operate in compliance with its tax-exempt purpose. The Organization's annual information and income tax returns filed with the federal and state governments are generally subject to examination by the Internal Revenue Service for three years after filing.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
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IRS990ScheduleI/RecipientTable/CashGrantAmt611462
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