Liabilities / Assets
77th percentile
Higher debt load relative to assets than 77% of similar nonprofits.
EIN 47-3130767 • 501(c)3 • Marquette, MI
Profile
To encourage, promote, and foster revitalization projects and programs by offering loans, strategic planning and other support to economically disadvantaged communities in the great lakes watershed region that are unable to access support from traditional sources. Business development resources are available to users outside of the great lakes watershed region.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
77th percentile
Higher debt load relative to assets than 77% of similar nonprofits.
Liabilities / Revenue
89th percentile
Higher debt load relative to revenue than 89% of similar nonprofits.
Net Margin
88th percentile
Higher net margin than 88% of similar nonprofits.
Top Officer Pay
37th percentile
Higher top officer pay than 37% of similar nonprofits.
Top officer pay equals 2.0% of source-year revenue.
Asset Growth
45th percentile
Faster asset growth than 45% of similar nonprofits.
Revenue Growth
73rd percentile
Faster revenue growth than 73% of similar nonprofits.
Assets
Up$46,586,763
Up $1,695,687 (+3.8%) from 2023
Liabilities
Down$26,713,190
Down $2,456,372 (-8.4%) from 2023
Net Assets
Up$19,873,573
Up $4,152,059 (+26%) from 2023
Revenue
Up$10,798,417
Up $1,923,951 (+22%) from 2023
Expenses
Up$5,993,380
Up $363,702 (+6.5%) from 2023
Net Income
Up$4,805,037
Up $1,560,249 (+48%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
To encourage, promote, and foster revitalization projects and programs by offering loans, strategic planning and other support to economically disadvantaged communities in the great lakes watershed region that are unable to access support from traditional sources.
To encourage, promote, and foster community revitalization projects and programs.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $23,613,616 | $26,157,037 | ▲ $2,543,421 |
| Savings and Temporary Cash Investments | $12,270,895 | $17,315,332 | ▲ $5,044,437 |
| Cash and Non-Interest-Bearing Accounts | $7,370,521 | $540,993 | ▼ $6,829,528 |
| Receivables From Officers Etc | $65,873 | $473,998 | ▲ $408,125 |
| Pledges and Grants Receivable | $279,835 | $138,701 | ▼ $141,134 |
| Prepaid Expenses and Deferred Charges | $43,762 | $58,759 | ▲ $14,997 |
| Accounts Receivable | $35,000 | $22,500 | ▼ $12,500 |
| Total Assets | $44,891,076 | $46,586,763 | ▲ $1,695,687 |
| Other Assets Total | $1,211,574 | $1,879,443 | ▲ $667,869 |
| Liabilities | |||
| Unsecured Notes Loans Payable | $10,742,763 | $12,200,816 | ▲ $1,458,053 |
| Mortgage Notes Payable Secured by Investment Property | $9,273,909 | $7,774,678 | ▼ $1,499,231 |
| Deferred Revenue | $8,261,396 | $5,962,929 | ▼ $2,298,467 |
| Other Liabilities | $443,110 | $403,023 | ▼ $40,087 |
| Accounts Payable and Accrued Expenses | $448,384 | $371,744 | ▼ $76,640 |
| Total Liabilities | $29,169,562 | $26,713,190 | ▼ $2,456,372 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $15,721,514 | $19,873,573 | ▲ $4,152,059 |
| Total Net Assets Fund Balance | $15,721,514 | $19,873,573 | ▲ $4,152,059 |
| Total Liabilities and Net Assets / Fund Balance | $44,891,076 | $46,586,763 | ▲ $1,695,687 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Elizabeth Sangalli | President/ce | FT | $197,450 | $17,569 | $215,019 |
| Elizabeth Sangalli | President/CEO | - | $197,450 | $17,569 | $215,019 |
| Jill Miller | CFO | FT | $128,357 | $32,970 | $161,327 |
| Amanda Blondeau | Chief Strate | FT | $121,513 | $19,235 | $140,748 |
| Charles Hurst | VP of Lendin | FT | $124,826 | $9,614 | $134,440 |
| Name | Title |
|---|---|
| Alfred Joyal Iii | Chairperson |
| Carol Johnson | Trustee |
| Chandra Mcmillion | Trustee |
| Charles Van Loan | Trustee |
| Dr Eric Travan | Trustee |
| Greg West | Trustee |
| Kevin Boyle | Trustee |
| Mark Williams | Trustee |
| Nadia Brigham | Trustee |
| Peter Graves | Trustee |
| R Gavin Leach | Trustee |
| Sara Proano | Trustee |
| Thomas Vear | Trustee |
| Ron Grzywinski | Assistant Se |
| Wes Maurer Jr | Assistant Se |
| Mary Houghton | Secretary |
| Kathy Mason | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Atomic Object LLC | Software Devel. | 1034 WEALTHY ST SE, Grand Rapids, MI 49506 | $214,693 |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $3,303,557 |
| Other Expenses | $1,977,893 |
| Grants and Similar Amounts Paid | $711,930 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $1,516,930 | $413,993 | - | $1,930,923 |
| Grants to Domestic Individuals | $711,930 | - | - | $711,930 |
| Fees for Services Other | $556,445 | $119,059 | - | $675,504 |
| Current Officers, Directors, Trustees, and Key Employees | $564,355 | $87,179 | - | $651,534 |
| Other Employee Benefits | $336,856 | $52,054 | - | $388,910 |
| Interest | $348,744 | - | - | $348,744 |
| Travel | $122,036 | $97,338 | - | $219,374 |
| Payroll Taxes | $173,605 | $26,827 | - | $200,432 |
| Office Expenses | $115,709 | $27,819 | - | $143,528 |
| Pension Plan Contributions | $114,123 | $17,635 | - | $131,758 |
| Conferences and Meetings | $60,662 | $27,335 | - | $87,997 |
| Occupancy | $75,114 | $5,746 | - | $80,860 |
| Fees for Services Legal | $78,921 | - | - | $78,921 |
| All Other Expenses | $62,116 | $12,577 | - | $74,693 |
| Advertising | $42,683 | $5,958 | - | $48,641 |
| Other Expenses | $35,014 | $291 | - | $35,014 |
| Fees for Services Accounting | $23,885 | $4,249 | - | $28,134 |
| Insurance | $23,789 | $661 | - | $24,450 |
| Total Functional Expenses | $5,031,985 | $961,395 | $0 | $5,993,380 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $65,873 | $473,998 | ▲ $408,125 |
| Liability | Amount |
|---|---|
| Lease Liability | $403,023 |
“The organization has four classes of trustees. Class a, b and c trustees have equal voting rights. Five class a trustees are appointed by northern michigan university (a tax-exempt organization). Ten class b trustees are appointed by a majority vote of the class b trustees. One class c trustee is appointed by the michigan strategic fund. Class d trustees are non-voting and are considered an emeritus and training class. Up to five class d trustees are appointed by a majority vote of class a and b trustees. In addition, the president of the organization is an ex-officio board member with one voting right.”
“A copy of the form 990 is provided to the board of trustees via email prior to filing and a final copy of the return is included in the november board packet.”
“The code of ethics policy is annually signed by trustees and requires them to attach a list of all ownership interests/activities which may constitute a conflict of interest with the organization. In addition, no employee, officer or credit committee member shall participate in any processing, review, approval or documentation affecting any potential loan in which they have a conflict or could be prerceived to have a conflict.”
“The presidents compensation is determined by the executive committee of the board of trustees. A wage and salary study was done by an independent company for all employees a few years ago.”
“Compensation for other officers is reviewed by the president and included in the budget process that is provided to the board of trustees. A wage and salary study was done by an independent company for all employees a few years ago.”
“Governing documents, conflict of interest policy and financial statements are not made available to the public.”
“To encourage, promote, and foster revitalization projects and programs by offering loans, strategic planning and other support to economically disadvantaged communities in the great lakes watershed region that are unable to access support from traditional sources. Business development resources are available to users outside of the great lakes watershed region.”
“Professional service contract 556,445 119,059 0”
“Change in allowance for loan losses -652,978”
“Northern initiatives is exempt from federal income taxes under 501(c)(3) of the internal revenue code. However, income from certain activities not directly related to northern initiatives tax-exempt purpose may be subject to taxation as unrelated business income. Since northern initiatives is exempt from federal income taxes, no provision for income taxes is included in the accompanying consolidated financial statements. Generally, the prior three tax years remain open to examination. Northern initiatives does not believe that the results from the examination of any open years would have a material adverse effect on northern initiatives.”
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/AccountsReceivableGrp/EOYAmt | 0 | 22500 |
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| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 74693 |
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| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | MARQUETTE |
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| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 651534 |
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| IRS990/EmployeeCnt | 0 | 36 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 124826 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 19 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 20 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 19 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 20 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT/CE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | CHIEF STRATE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | VP OF LENDIN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | ASSISTANT SE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | ASSISTANT SE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 19 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 20 | TRUSTEE |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 2014 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -23294 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 18 |
| IRS990/GovernmentGrantsAmt | 0 | 5491517 |
| IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt | 0 | 711930 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 711930 |
| IRS990/GrantsToIndividualsInd | 0 | true |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 200161 |
| IRS990/GrossReceiptsAmt | 0 | 11021872 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | true |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 17 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 661 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 23789 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 24450 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 348744 |
| IRS990/InterestGrp/TotalAmt | 0 | 348744 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 633806 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 633806 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 15 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | MI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 223455 |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LobbyingActivitiesInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO ENCOURAGE, PROMOTE, AND FOSTER REVITALIZATION PROJECTS AND PROGRAMS BY OFFERING LOANS, STRATEGIC PLANNING AND OTHER SUPPORT TO ECONOMICALLY DISADVANTAGED COMMUNITIES IN THE GREAT LAKES WATERSHED REGION THAT ARE UNABLE TO ACCESS SUPPORT FROM TRADITIONAL SOURCES. BUSINESS DEVELOPMENT RESOURCES ARE AVAILABLE TO USERS OUTSIDE OF THE GREAT LAKES WATERSHED REGION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 9273909 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 7774678 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 15721514 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 19873573 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -23294 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -23294 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 15721514 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 19873573 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 5746 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 75114 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 80860 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 27819 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 115709 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 143528 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1211574 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1879443 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -652978 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 52054 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 336856 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 388910 |
| IRS990/OtherExpensesGrp/Desc | 0 | BANK FEES |
| IRS990/OtherExpensesGrp/Desc | 1 | MEMBERSHIP FEES/DUES |
| IRS990/OtherExpensesGrp/Desc | 2 | FEES AND LICENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN CLOSING FEES |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 28687 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 33987 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 291 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 21264 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 10902 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 36902 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 35014 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 49951 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 44889 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 37193 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 35014 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 443110 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 403023 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 413993 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 1516930 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1930923 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 23613616 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 26157037 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 26827 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 173605 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 200432 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 17635 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 114123 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 131758 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 279835 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 138701 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 43762 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 58759 |
| IRS990/PrincipalOfficerNm | 0 | ELIZABETH SANGALLI |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 525990 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 541900 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 525990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | PROGRAM FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | LOAN FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2214837 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 652513 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 272658 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2214837 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 652513 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 272658 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | BUSINESS DEVELOPMENT SERVICES: PROVIDED CONSULTING, TRAINING, AND TECHNICAL ASSISTANCE TO BUSINESSES FOR PROCESS IMPROVEMENTS, SYSTEMS DEVELOPMENT, MARKET RESEARCH SERVICES, E-COMMERCE SERVICES, ACCOUNTING, AND MARKETING ASSISTANCE. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 2585818 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 711930 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 607513 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 6274520 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 363050 |
| IRS990/PYInvestmentIncomeAmt | 0 | 248010 |
| IRS990/PYOtherExpensesAmt | 0 | 2266941 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2351936 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 3244788 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2999687 |
| IRS990/PYTotalExpensesAmt | 0 | 5629678 |
| IRS990/PYTotalRevenueAmt | 0 | 8874466 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 65873 |
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