Liabilities / Assets
93rd percentile
Higher debt load relative to assets than 93% of similar nonprofits.
Able Pay Inc
EIN 47-1159278 • 501(c)3 • Portland, OR
Profile
Provide monthly bill payment services.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.96x
Liabilities / Revenue
96th percentile
Higher debt load relative to revenue than 96% of similar nonprofits.
Net Margin
56th percentile
Higher net margin than 56% of similar nonprofits.
Top Officer Pay
81st percentile
Higher top officer pay than 81% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
77th percentile
Faster asset growth than 77% of similar nonprofits.
Revenue Growth
56th percentile
Faster revenue growth than 56% of similar nonprofits.
Balance Sheet
Assets
Up$213,908
Up $39,145 (+22%) from 2023
Liabilities
Up$205,243
Up $33,415 (+19%) from 2023
Net Assets
Up$8,665
Up $5,730 (+195%) from 2023
Revenue
Up$124,284
Up $2,922 (+2.4%) from 2023
Expenses
Down$118,554
Down $2,111 (-1.7%) from 2023
Net Income
Up$5,730
Up $5,033 (+722%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $213,908
- Liabilities
- $205,243
- Net assets
- $8,665
- Revenue
- $124,284
- Expenses
- $118,554
- Net income
- $5,730
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- May 6, 2025
- Return Version
- 2024v5.0
- Gross Receipts
- $124,284
Mission and Program Overview
Mission
Provide monthly bill payment services
Provide monthly bill payment services.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. | - | $118,554 |
| INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| BRENDA BERTRAM | President | - | $0 | - | - |
| GEORGE WALL | Vice Preside | - | $0 | - | - |
| JEANNIE RYALL | Secretary | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Able Pay Inc
- EIN
- 47-1159278
- Phone
- 9712016693
- Address
- PO BOX 10632, PORTLAND, OR 97296
Signing Officer
- Name
- Brenda Bertram
- Title
- President
- Phone
- 9712016693
- Signed
- 2025-05-06
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Downing & Company LLC
- Address
- 5933 NE WIN SIVERS STE 102, PORTLAND, OR 97220-9056
- Preparer
- Timothy a Downing
- Phone
- 5032579611
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 16
“Expenses bank analysis fees 2,454 business registration fees 70 computer & internet fees 1,117 other -6 equipment rental 429 supplies expense 1,280 telephone expense 954 payroll processing fees 665 state ct-12 tax 150 contract services 4,800 cost of services 280 membership dues 240 program fees 4,109 meals & entertainment 137 bond expense 718 health insurance 9,255 total 26,652”
Form 990-ez, Part II, Line 26
“Unrestricted net assets 8,500 0 client trust accounts 163,328 205,243”
Form 990-ez, Part III, Line 31
“Increase growth in number of clients served and provide financial security.”
Raw XML Appendix134 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 |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | BRENDA BERTRAM |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 9712016693 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 10632 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | PORTLAND |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OR |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 97296 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 174763 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 213908 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 5730 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 775 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 174763 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 213908 |
| IRS990EZ/GrossReceiptsAmt | 0 | 124284 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 2935 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 8665 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 2935 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 8665 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 000.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | BRENDA BERTRAM |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | GEORGE WALL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JEANNIE RYALL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 26652 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROVIDE MONTHLY BILL PAYMENT SERVICES. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 3632 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 124284 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 118554 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 87495 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 171828 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 205243 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 118554 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 118554 |
| IRS990EZ/TotalRevenueAmt | 0 | 124284 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 124284 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 121362 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 114146 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 106716 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 103078 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 569586 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 569586 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 124284 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 121362 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 114146 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 106716 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 103078 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 569586 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 124284 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 121362 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 114146 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 106716 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 103078 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 569586 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES BANK ANALYSIS FEES 2,454 BUSINESS REGISTRATION FEES 70 COMPUTER & INTERNET FEES 1,117 OTHER -6 EQUIPMENT RENTAL 429 SUPPLIES EXPENSE 1,280 TELEPHONE EXPENSE 954 PAYROLL PROCESSING FEES 665 STATE CT-12 TAX 150 CONTRACT SERVICES 4,800 COST OF SERVICES 280 MEMBERSHIP DUES 240 PROGRAM FEES 4,109 MEALS & ENTERTAINMENT 137 BOND EXPENSE 718 HEALTH INSURANCE 9,255 TOTAL 26,652 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | UNRESTRICTED NET ASSETS 8,500 0 CLIENT TRUST ACCOUNTS 163,328 205,243 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART III, LINE 31 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | BRENDA BERTRAM |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9712016693 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-05-06 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | ABLE PAY INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | ABLE |
| ReturnHeader/Filer/EIN | 0 | 471159278 |
| ReturnHeader/Filer/PhoneNum | 0 | 9712016693 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 10632 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | PORTLAND |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OR |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 97296 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 464221909 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | DOWNING & COMPANY LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 5933 NE WIN SIVERS STE 102 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | PORTLAND |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | OR |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 972209056 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5032579611 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-05-15 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | TIMOTHY A DOWNING |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2025-05-15T14:42:52-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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