Civic Intelligence

Contractor Loan Fund Inc

EIN 47-3818078 • 501(c)3 • St Louis, MO

Profile

To provide loans and technical assistance for certified minority/women business enterprises.

1520 Market Street No 2000St Louis, MO 63103

www.cflstl.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 2020

Liabilities / Revenue

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2020

Net Margin

3rd percentile

-1350%

Higher net margin than 3% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2020

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

10th percentile

-100%

Faster asset growth than 10% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

5th percentile

-96%

Faster revenue growth than 5% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $2,223,383 (-100%) from 2019

Liabilities

Down

$0

Down $4,231,406 (-100%) from 2019

Net Assets

Up

$0

Up $2,008,023 (+100%) from 2019

Operations
Liabilities / Revenue62nd percentileNet Margin3rd percentile

Revenue

Down

$5,146

Down $124,393 (-96%) from 2019

Expenses

Down

$74,599

Down $339,798 (-82%) from 2019

Net Income

Up

-$69,453

Up $215,405 (+76%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth10th percentile

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

$6.0M$4.0M$2.0M$0-$2.0M-$4.0MAssets 2015: $3,690,402Liabilities 2015: $3,763,940Net Assets 2015: -$73,5382015Assets 2016: $4,611,809Liabilities 2016: $5,048,583Net Assets 2016: -$436,7742016Assets 2017: $4,484,372Liabilities 2017: $5,688,887Net Assets 2017: -$1,204,5152017Assets 2018: $3,307,923Liabilities 2018: $5,031,088Net Assets 2018: -$1,723,1652018Assets 2019: $2,223,383Liabilities 2019: $4,231,406Net Assets 2019: -$2,008,0232019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2020

Assets$0
Liabilities$0
Net Assets$0
Open 2020 Filing

Operations Trend

Revenue Growth5th percentile

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

$1.0M$500K$0-$500K-$1.0MRevenue 2015: $26,797Expenses 2015: $100,335Net Income 2015: -$73,5382015Revenue 2016: $67,732Expenses 2016: $430,968Net Income 2016: -$363,2362016Revenue 2017: $203,475Expenses 2017: $971,216Net Income 2017: -$767,7412017Revenue 2018: $157,426Expenses 2018: $676,076Net Income 2018: -$518,6502018Revenue 2019: $129,539Expenses 2019: $414,397Net Income 2019: -$284,8582019Revenue 2020: $5,146Expenses 2020: $74,599Net Income 2020: -$69,4532020

Highlighted filing

2020

Revenue$5,146
Expenses$74,599
Net Income-$69,453
Open 2020 Filing

Filings

Most recent year

2020 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$5,146
Expenses
$74,599
Net income
-$69,453
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.01$0.07$0.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.22$4.23$2.01$0.13$0.41$0.28
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.31$5.03$1.72$0.16$0.68$0.52
2017Summary only. Only limited summary data is available for this year.$4.48$5.69$1.20$0.20$0.97$0.77
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.61$5.05$0.44$0.07$0.43$0.36
2015Detailed filing. Detailed filing data is available for this year.$3.69$3.76$0.07$0.03$0.10$0.07
Latest Detailed Filing

The latest 2020 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Apr 14, 2015 to Dec 31, 2015
Signed
Jul 13, 2016
Return Version
2015v2.1
Gross Receipts
$26,797
Mission and Program Overview

Mission

A coalition of local governments, not-for-profit organizations, and small to large private sector businesses committed to build a more inclusive region. (see schedule o)clf partners have pooled their financial and technical business resources to make construction and expansion loans to minority and women owned businesses to facilitate their greater participation in construction projects throughout the region.

To provide loans and technical assistance for certified minority/women business enterprises.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts-$3,536,090-
Other Notes and Loans Receivable, Net-$149,525-
Prepaid Expenses and Deferred Charges-$4,015-
Total Assets$0$3,690,402▲ $3,690,402
Other Assets Total$0$772▲ $772
Liabilities
Other Liabilities$0$3,763,765▲ $3,763,765
Accounts Payable and Accrued Expenses-$175-
Total Liabilities$0$3,763,940▲ $3,763,940
Net Assets / Fund Balance
Unrestricted Net Assets-$-73,538-
Total Net Assets Fund Balance$0$-73,538▼ $73,538
Total Liabilities and Net Assets / Fund Balance$0$3,690,402▲ $3,690,402
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Christopher K ReichertChairman
Otis WilliamsVice Chairman
Abe AdewaleDirector
Adolphus PruittDirector
Alan RichterDirector
Amy KweskinDirector
Ann SutterDirector
Dan SvobodaDirector
Daphanie PointerDirector
Dr Greg GundersonDirector
Edward BryantDirector
Greg MohlerDirector
Howard HayesDirector
Jeff MeffordDirector
Jeff SchwanekeDirector
Karlos RamirezDirector
Kevin WilsonDirector
Laurie HauberDirector
Leonard ToenjesDirector
Mitch BarisDirector
Rick PalankDirector
Rob BoyleDirector
Scott WilsonDirector
Therese JamesDirector
Tim SnokeDirector
Yaphett El-aminDirector
Dennis LowerSecretary
William SpringerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$25,000
Program Service Revenue
$1,797
Investment Income
$0
Other Revenue
$0
All Other Contributions
$25,000
Change in Net Assets
$-73,538

Audited Revenue Reconciliation

Revenue per Audited Statements
$26,797
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$56,165
Total Revenue per Audited Statements
$82,962
Total Revenue per Form 990
$26,797
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$100,335
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$88,342--$88,342
Insurance-$2,902-$2,902
Other Expenses$146$935-$146
Information Technology$140--$140
Total Functional Expenses$96,498$3,837$0$100,335

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$156,500
Expenses per Audited Statements$100,335
Total Expenses per Form 990$100,335
Expenses Not Reported on Form 990$56,165
Expenses Not Reported on Financial Statements$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
SUBORDINATED PROMISSORY NOTES, INCLUDING ACCRUED INTEREST PAYABLE OF $88,027$3,658,027
Note Payable - Revolving Line of Credit Agreement$104,235
Deferred Revenues$1,394
Accrued Interest Payable--line of Credit$109
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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 B, Line 11

“The form 990 is provided to members of the board of directors for review prior to filing.”

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

“Conflict of interest policy is reviewed and signed annually by each board member.”

Form 990, Part VI, Section C, Line 19

“Any governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Contractor Loan Fund Inc
EIN
47-3818078
Phone
3147255788
Address
1520 MARKET STREET NO 2000, ST LOUIS, MO 63103

Signing Officer

Name
Chris Reichert
Title
Chairman
Phone
3147255788
Signed
2016-07-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chris Reichert
Formed
2015
Legal Domicile
Mo
Voting Board Members
28
Independent Board Members
28
Employees
0
Volunteers
55

Preparer

Firm
Uhy Advisors Mo Inc
Address
15 SUNNEN DR SUITE 100, ST LOUIS, MO 63143
Preparer
Denise M Pisciotta
Phone
3146151200
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 1

“Contractor loan fund, inc. (the corporation) was incorporated on april 14, 2015 as a not-for-profit corporation under the laws of the state of missouri. The corporation is a coalition of local governments, non-profit organizations, and small to large private sector businesses committed to build a more inclusive region, where partners have pooled their financial and technical business resources to make construction and expansion loans to minority and women owned businesses to facilitate their greater participation in construction projects throughout the region. The corporation's mission is to provide loans and technical assistance for certified minority/women business enterprises (m/wbes). The board of directors, which includes up to 44 members, are divided into five classes as follows: " class a - senior investors: bank lenders providing loans to the corporation. " class b - junior investors: lenders of any type providing loans to the corporation, including business, commercial corporations, and public entities that do business with m/wbes. " class c - technical assistance/resource providers: organizations with charter mandates to provide service to small business in the form of mentorship, coaching and assessment services and who will be designated as technical assistance providers to borrowers served by the corporation. " class d - community organizations: community and service organizations with charters and/or a history of service to target m/wbe. " class e - public representatives: local government agencies and public organizations.”

Financial Statement Notes

Part XI Line 2A and Part XII Line 2B

“In-kind expenses advertising and publicity 6,275 professional fees - legal 24,375 professional fees - accounting and administrative 22,875 website 2,640 total 56,165”

Raw XML AppendixShowing 400 of 480 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0175
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IRS990/AllOtherContributionsAmt025000
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
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IRS990/CompensationProcessOtherInd00
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IRS990/ConservationEasementsInd00
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IRS990/CYOtherExpensesAmt0100335
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IRS990/CYRevenuesLessExpensesAmt0-73538
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IRS990/Desc0LOAN PROGRAM - THE CORPORATION PROVIDES LOANS TO CITY OF ST. LOUIS CERTIFIED MINORITY/WOMEN BUSINESS ENTERPRISES (M/WBES). CLF HAS APPROVED AND CLOSED THREE LOANS DURING 2015 FOR AN OUTSTANDING LOAN BALANCE OF $157,395. AT DECEMBER 31, 2015, THERE WERE THREE LOANS APPROVED FOR FUNDING BUT NOT YET CLOSED; SUBJECT TO DOCUMENTATION WHICH RELATES TO $975,000 POTENTIALLY FUNDABLE.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR
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IRS990/FormationYr02015
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IRS990/GrantToRelatedPersonInd00
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SEE SCHEDULE O
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesEOYAmt0-73538
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IRS990/PoliticalCampaignActyInd00
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IRS990/PrincipalOfficerNm0CHRIS REICHERT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1155
IRS990/ProgSrvcAccomActy2Grp/Desc0TECHNICAL ASSISTANCE PROGRAM - THE CORPORATION COORDINATES TECHNICAL ASSISTANCE INCLUDING ACCOUNTING, SURETY AND BONDING, LEGAL, HUMAN RESOURCES, FINANCIAL EDUCATION, TRAINING, AND ADVICE FROM OTHER PROFESSIONAL RESOURCES. TWENTY-ONE ASSESSMENTS OF APPLICANTS COMPLETED IN 2015. ASSESSMENTS INVOLVE MEETING WITH THE POTENTIAL BORROWER, LEARNING ABOUT THE COMPANY'S HISTORY AND AREA OF CONSTRUCTION EXPERTISE, REVIEWING BASIC FINANCIAL STATEMENTS WITH APPLICANT, EVALUATING AREAS OF IMPROVEMENT (MENTORING, BIDDING, INSURANCE, FINANCIAL REPORTING, ETC.), ANSWERING QUESTIONS AND PROVIDING ADVICE AS NEEDED.
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IRS990/PYExcessBenefitTransInd00
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IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0NOTE PAYABLE - REVOLVING LINE OF CREDIT AGREEMENT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED INTEREST PAYABLE--LINE OF CREDIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SUBORDINATED PROMISSORY NOTES, INCLUDING ACCRUED INTEREST PAYABLE OF $88,027
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3DEFERRED REVENUES
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt026797
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN-KIND EXPENSES ADVERTISING AND PUBLICITY 6,275 PROFESSIONAL FEES - LEGAL 24,375 PROFESSIONAL FEES - ACCOUNTING AND ADMINISTRATIVE 22,875 WEBSITE 2,640 TOTAL 56,165
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI LINE 2A AND PART XII LINE 2B
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CONTRACTOR LOAN FUND, INC. (THE CORPORATION) WAS INCORPORATED ON APRIL 14, 2015 AS A NOT-FOR-PROFIT CORPORATION UNDER THE LAWS OF THE STATE OF MISSOURI. THE CORPORATION IS A COALITION OF LOCAL GOVERNMENTS, NON-PROFIT ORGANIZATIONS, AND SMALL TO LARGE PRIVATE SECTOR BUSINESSES COMMITTED TO BUILD A MORE INCLUSIVE REGION, WHERE PARTNERS HAVE POOLED THEIR FINANCIAL AND TECHNICAL BUSINESS RESOURCES TO MAKE CONSTRUCTION AND EXPANSION LOANS TO MINORITY AND WOMEN OWNED BUSINESSES TO FACILITATE THEIR GREATER PARTICIPATION IN CONSTRUCTION PROJECTS THROUGHOUT THE REGION. THE CORPORATION'S MISSION IS TO PROVIDE LOANS AND TECHNICAL ASSISTANCE FOR CERTIFIED MINORITY/WOMEN BUSINESS ENTERPRISES (M/WBES). THE BOARD OF DIRECTORS, WHICH INCLUDES UP TO 44 MEMBERS, ARE DIVIDED INTO FIVE CLASSES AS FOLLOWS: " CLASS A - SENIOR INVESTORS: BANK LENDERS PROVIDING LOANS TO THE CORPORATION. " CLASS B - JUNIOR INVESTORS: LENDERS OF ANY TYPE PROVIDING LOANS TO THE CORPORATION, INCLUDING BUSINESS, COMMERCIAL CORPORATIONS, AND PUBLIC ENTITIES THAT DO BUSINESS WITH M/WBES. " CLASS C - TECHNICAL ASSISTANCE/RESOURCE PROVIDERS: ORGANIZATIONS WITH CHARTER MANDATES TO PROVIDE SERVICE TO SMALL BUSINESS IN THE FORM OF MENTORSHIP, COACHING AND ASSESSMENT SERVICES AND WHO WILL BE DESIGNATED AS TECHNICAL ASSISTANCE PROVIDERS TO BORROWERS SERVED BY THE CORPORATION. " CLASS D - COMMUNITY ORGANIZATIONS: COMMUNITY AND SERVICE ORGANIZATIONS WITH CHARTERS AND/OR A HISTORY OF SERVICE TO TARGET M/WBE. " CLASS E - PUBLIC REPRESENTATIVES: LOCAL GOVERNMENT AGENCIES AND PUBLIC ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 IS PROVIDED TO MEMBERS OF THE BOARD OF DIRECTORS FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CONFLICT OF INTEREST POLICY IS REVIEWED AND SIGNED ANNUALLY BY EACH BOARD MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11

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