Liabilities / Assets
95th percentile
Higher debt load relative to assets than 95% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
1.00x
Liabilities / Revenue
97th percentile
Higher debt load relative to revenue than 97% of similar nonprofits.
Net Margin
38th percentile
Higher net margin than 38% of similar nonprofits.
Top Officer Pay
77th percentile
Higher top officer pay than 77% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
72nd percentile
Faster asset growth than 72% of similar nonprofits.
Revenue Growth
50th percentile
Faster revenue growth than 50% of similar nonprofits.
Balance Sheet
Assets
Up$274,159
Up $63,225 (+30%) from 2020
Net Assets
Up-$1,085
Up $724 (+40%) from 2020
Liabilities
Up$275,244
Up $62,501 (+29%) from 2020
Revenue And Expenses
Revenue
Up$106,716
Up $3,638 (+3.5%) from 2020
Expenses
Up$105,983
Up $3,519 (+3.4%) from 2020
Net Income
Up$733
Up $119 (+19%) from 2020
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2021 to Dec 31, 2021
- Signed
- May 7, 2022
- Return Version
- 2021v4.0
- Gross Receipts
- $106,716
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. | - | $105,983 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| BRENDA BERTRAM | President | FT | $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
- 2022-05-07
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Downing & Caba 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 4,364 business registration fees 70 computer & internet fees 204 dues & subscriptions 3,622 equipment rental 239 supplies expense 1,227 telephone expense 824 payroll taxes 7,929 payroll processing fees 598 state ct-12 tax 150 contract services 2,880 cost of services 1,851 gifts 100 sales tax 5 membership dues 28 meals & entertainment 234 parking expense 3 bond expense 718 total 25,046”
Form 990-ez, Part II, Line 26
“Payroll liabilities 1,845 0 unrestricted net assets 3,635 3,626 client trust accounts 207,263 271,618”
Raw XML Appendix131 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 | 210925 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 274159 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 733 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 1234 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 210925 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 274159 |
| IRS990EZ/GrossReceiptsAmt | 0 | 106716 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -1818 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | -1085 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -1818 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | -1085 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 40.00 |
| 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 | 25046 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROVIDE MONTHLY BILL PAYMENT SERVICES. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 3033 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 106716 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | INCREASE GROWTH IN NUMBER OF CLIENTS SERVED AND PROVIDE FINANCIAL SECURITY. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 105983 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 76670 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 212743 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 275244 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 105983 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 105983 |
| IRS990EZ/TotalRevenueAmt | 0 | 106716 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 106716 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 103078 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 95551 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 98293 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 72001 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 475639 |
| 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 | 475639 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 106716 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 103078 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 95551 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 98293 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 72001 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 475639 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 106716 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 103078 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 95551 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 98293 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 72001 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 475639 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES BANK ANALYSIS FEES 4,364 BUSINESS REGISTRATION FEES 70 COMPUTER & INTERNET FEES 204 DUES & SUBSCRIPTIONS 3,622 EQUIPMENT RENTAL 239 SUPPLIES EXPENSE 1,227 TELEPHONE EXPENSE 824 PAYROLL TAXES 7,929 PAYROLL PROCESSING FEES 598 STATE CT-12 TAX 150 CONTRACT SERVICES 2,880 COST OF SERVICES 1,851 GIFTS 100 SALES TAX 5 MEMBERSHIP DUES 28 MEALS & ENTERTAINMENT 234 PARKING EXPENSE 3 BOND EXPENSE 718 TOTAL 25,046 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | PAYROLL LIABILITIES 1,845 0 UNRESTRICTED NET ASSETS 3,635 3,626 CLIENT TRUST ACCOUNTS 207,263 271,618 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 |
| ReturnHeader/BuildTS | 0 | 2022-09-23 18:48:47Z |
| 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 | 2022-05-07 |
| 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/PreparerFirmGrp/PreparerFirmEIN | 0 | 464221909 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | DOWNING & CABA 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 | 2022-05-09 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | TIMOTHY A DOWNING |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2022-05-16T18:43:24-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | BRENDA |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | BERTRAM |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2021-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2021-12-31 |
| ReturnHeader/TaxYr | 0 | 2021 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2021 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $274,159
- Liabilities
- $275,244
- Net assets
- -$1,085
- Revenue
- $106,716
- Expenses
- $105,983
- Net income
- $733