Civic Intelligence

Lending for Evanston and Northwestern

EIN 46-4859600 • 501(c)3 • Evanston, IL

Profile

Micro lending to small businesses in evanston

PO Box 5804Evanston, IL 60204

lendevanston.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

8th percentile

-142%

Higher net margin than 8% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

45th percentile

-4.3%

Faster asset growth than 45% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2025

Revenue Growth

80th percentile

34%

Faster revenue growth than 80% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$119,012

Down $11,440 (-8.8%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$119,012

Down $11,440 (-8.8%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin8th percentile

Revenue

Up

$8,051

Up $2,441 (+44%) from 2024

Expenses

Up

$19,491

Up $14,255 (+272%) from 2024

Net Income

Down

-$11,440

Down $11,814 (-3159%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

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

$300K$200K$100K$0Assets 2020: $175,594Liabilities 2020: $02020Assets 2021: $204,145Net Assets 2021: $204,1452021Assets 2022: $129,139Net Assets 2022: $129,1392022Assets 2023: $130,078Net Assets 2023: $130,0782023Assets 2024: $130,452Net Assets 2024: $130,4522024Assets 2025: $119,012Net Assets 2025: $119,0122025

Highlighted filing

2025

Assets$119,012
Liabilities-
Net Assets$119,012
Open 2025 Filing

Operations Trend

Revenue Growth80th percentile

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

$200K$100K$0-$100KRevenue 2020: $127,058Expenses 2020: $1,441Net Income 2020: $125,6172020Revenue 2021: $39,000Expenses 2021: $10,449Net Income 2021: $28,5512021Revenue 2022: $5,210Expenses 2022: $79,193Net Income 2022: -$73,9832022Revenue 2023: $4,495Expenses 2023: $3,556Net Income 2023: $9392023Revenue 2024: $5,610Expenses 2024: $5,236Net Income 2024: $3742024Revenue 2025: $8,051Expenses 2025: $19,491Net Income 2025: -$11,4402025

Highlighted filing

2025

Revenue$8,051
Expenses$19,491
Net Income-$11,440
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$119,012
Liabilities
-
Net assets
$119,012
Revenue
$8,051
Expenses
$19,491
Net income
-$11,440
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.19$1.19$0.08$0.19$0.11
2024Detailed filing. Detailed filing data is available for this year.$1.30$1.30$0.06$0.05$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.30$1.30$0.04$0.04$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.29$1.29$0.05$0.79$0.74
2021Detailed filing. Detailed filing data is available for this year.$2.04$2.04$0.39$0.10$0.29
2020Summary only. Only limited summary data is available for this year.$1.76$0.00$1.27$0.01$1.26
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Jan 6, 2026
Return Version
2024v5.2
Gross Receipts
$8,051
Mission and Program Overview

Mission

Micro lending to small businesses in evanston

Program Services

DescriptionGrantsExpenses
disburse loans to qualifying small businesses focusing on undeserved markets in evanston - an average loan amounts to $5,000 or less.--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MICHAEL MIROPresidentPT$0--
Meghan PulverDirectorPT$0--
PATRICK JEAN-JACQUESDirector-$0--
ROBERT EASTERTreasurer-$0--
ANNE PANEKSecretary-$0--
Suhaib KhanDirector-$0--
Kathy LichtensteinDirector-$0--
Patrick HughesDirector-$0--
Filing and Contact Details

Filer

Filer Name
Lending for Evanston and Northwestern
EIN
46-4859600
Phone
8479125342
Address
PO BOX 5804, EVANSTON, IL 60204

Signing Officer

Name
Michael Miro
Title
President
Signed
2026-01-06
Discuss with paid preparer
Yes

Preparer

Firm
Anna Nalls CPA Pc
Address
3415 CHURCH STREET, EVANSTON, IL 60203
Preparer
Anna Nalls
Phone
7738351696
Supplemental Narrative

Additional Explanations

Other Expenses.1002

“Office Expenses $678”

Other Expenses.1

“BAD DEBT $13091”

Other Expenses.2

“Marketing & promotions $1897”

Other Expenses.3

“Bank charges & merchant fees $949”

Other Expenses.4

“MISCELLANEOUS $313”

Other Assets.1005

“Accounts Receivable - Beginning $9380 Accounts Receivable - Ending $14394”

Other Assets.1

“- Beginning $29887 - Ending $0”

Raw XML Appendix183 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
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IRS990EZ/AddressChangeInd0X
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IRS990EZ/BooksInCareOfDetail/PhoneNum04787190700
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 5804
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0EVANSTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd060204
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt091185
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0104618
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt05218
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-11440
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt02563
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0130452
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0119012
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt08051
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt02833
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0130452
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0119012
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0130452
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0119012
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt06.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt16.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt52.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt62.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt72.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0MICHAEL MIRO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Meghan Pulver
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2PATRICK JEAN-JACQUES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ROBERT EASTER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4ANNE PANEK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Suhaib Khan
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Kathy Lichtenstein
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7Patrick Hughes
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt039267
IRS990EZ/OtherAssetsTotalDetail/EOYAmt014394
IRS990EZ/OtherExpensesTotalAmt016928
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0MICRO LENDING TO SMALL BUSINESSES IN EVANSTON
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0disburse loans to qualifying small businesses focusing on undeserved markets in evanston - an average loan amounts to $5,000 or less.
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0IL
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt019491
IRS990EZ/TotalRevenueAmt08051
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0LENDEVANSTON.ORG
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt05218
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt03067
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt03507
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt04825
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt038999
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt055616
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt02818
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt02542
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0988
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0385
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt06733
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt02818
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt02542
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0988
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0385
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt06733
IRS990ScheduleA/InvestmentIncomeCYPct00.10800
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.89200
IRS990ScheduleA/PublicSupportTotal509Amt055616
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt05218
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt03067
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt03507
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt04825
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt038999
IRS990ScheduleA/Total509Grp/TotalAmt055616
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt08036
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt05609
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt04495
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt05210
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt038999
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt062349
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Office Expenses $678
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BAD DEBT $13091
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MARKETING & PROMOTIONS $1897
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BANK CHARGES & MERCHANT FEES $949
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MISCELLANEOUS $313
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Accounts Receivable - Beginning $9380 Accounts Receivable - Ending $14394
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6- Beginning $29887 - Ending $0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Assets.1005
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Assets.1
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL MIRO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LENDING FOR EVANSTON AND NORTHWESTERN
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0DEVELOPMENT
ReturnHeader/Filer/BusinessNameControlTxt0LEND
ReturnHeader/Filer/EIN0464859600
ReturnHeader/Filer/PhoneNum08479125342
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 5804
ReturnHeader/Filer/USAddress/CityNm0EVANSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060204
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0200800711
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANNA NALLS CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03415 CHURCH STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0EVANSTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060203
ReturnHeader/PreparerPersonGrp/PhoneNum07738351696
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Anna Nalls
ReturnHeader/ReturnTs02026-01-06T15:40:36-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-10-01
ReturnHeader/TaxPeriodEndDt02025-09-30
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.