Civic Intelligence

Chesapeake Business Finance Corp

EIN 52-2239603 • 501(c)4 • Bethesda, MD

Profile

To provide assistance to small businesses to obtain capital for their growth and expansion in accordance with the united states small business administration.

4701 Sangamore Rd 100NBethesda, MD 20816

n/A

Siviq Scores

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

Liabilities / Assets

74th percentile

0.17x

Higher debt load relative to assets than 74% of similar nonprofits.

501(c)4 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

70th percentile

0.17x

Higher debt load relative to revenue than 70% of similar nonprofits.

501(c)4 • $500k-$1M nonprofits • Source year 2024

Net Margin

52nd percentile

7.1%

Higher net margin than 52% of similar nonprofits.

501(c)4 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

99th percentile

$399,713

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 45.0% of source-year revenue.

501(c)4 • $500k-$1M nonprofits • Source year 2024

Asset Growth

83rd percentile

22%

Faster asset growth than 83% of similar nonprofits.

501(c)4 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

71st percentile

21%

Faster revenue growth than 71% of similar nonprofits.

501(c)4 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$864,372

Up $158,107 (+22%) from 2023

Liabilities

Up

$150,511

Up $95,230 (+172%) from 2023

Net Assets

Up

$713,861

Up $62,877 (+9.7%) from 2023

Operations
Liabilities / Revenue70th percentileNet Margin52nd percentile

Revenue

Up

$888,855

Up $155,266 (+21%) from 2023

Expenses

Up

$825,978

Up $83,778 (+11%) from 2023

Net Income

Up

$62,877

Up $71,488 (+830%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$1.0M$500K$0Assets 2010: $85,601Liabilities 2010: $56,699Net Assets 2010: $28,9022010Assets 2011: $118,432Liabilities 2011: $63,899Net Assets 2011: $54,5332011Assets 2012: $102,024Liabilities 2012: $98,791Net Assets 2012: $3,2332012Assets 2013: $197,229Liabilities 2013: $92,851Net Assets 2013: $104,3782013Assets 2014: $202,688Liabilities 2014: $53,300Net Assets 2014: $149,3882014Assets 2015: $364,997Liabilities 2015: $137,330Net Assets 2015: $227,6672015Assets 2016: $450,210Liabilities 2016: $90,575Net Assets 2016: $359,6352016Assets 2017: $508,033Liabilities 2017: $53,507Net Assets 2017: $454,5262017Assets 2018: $572,033Liabilities 2018: $59,145Net Assets 2018: $512,8882018Assets 2019: $605,104Liabilities 2019: $69,063Net Assets 2019: $536,0412019Assets 2020: $687,673Liabilities 2020: $75,047Net Assets 2020: $612,6262020Assets 2021: $704,830Liabilities 2021: $73,286Net Assets 2021: $631,5442021Assets 2022: $689,174Liabilities 2022: $29,579Net Assets 2022: $659,5952022Assets 2023: $706,265Liabilities 2023: $55,281Net Assets 2023: $650,9842023Assets 2024: $864,372Liabilities 2024: $150,511Net Assets 2024: $713,8612024

Highlighted filing

2024

Assets$864,372
Liabilities$150,511
Net Assets$713,861
Open 2024 Filing

Operations Trend

Revenue Growth71st percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $688,9652010Revenue 2011: $786,451Expenses 2011: $760,820Net Income 2011: $25,6312011Expenses 2012: $935,7802012Revenue 2013: $1,060,980Expenses 2013: $959,835Net Income 2013: $101,1452013Revenue 2014: $805,170Expenses 2014: $760,160Net Income 2014: $45,0102014Revenue 2015: $890,926Expenses 2015: $812,647Net Income 2015: $78,2792015Revenue 2016: $927,041Expenses 2016: $795,073Net Income 2016: $131,9682016Revenue 2017: $838,483Expenses 2017: $743,592Net Income 2017: $94,8912017Revenue 2018: $809,723Expenses 2018: $751,361Net Income 2018: $58,3622018Revenue 2019: $756,623Expenses 2019: $733,470Net Income 2019: $23,1532019Revenue 2020: $819,252Expenses 2020: $742,667Net Income 2020: $76,5852020Revenue 2021: $800,703Expenses 2021: $781,785Net Income 2021: $18,9182021Revenue 2022: $748,359Expenses 2022: $720,308Net Income 2022: $28,0512022Revenue 2023: $733,589Expenses 2023: $742,200Net Income 2023: -$8,6112023Revenue 2024: $888,855Expenses 2024: $825,978Net Income 2024: $62,8772024

Highlighted filing

2024

Revenue$888,855
Expenses$825,978
Net Income$62,877
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$864,372
Liabilities
$150,511
Net assets
$713,861
Revenue
$888,855
Expenses
$825,978
Net income
$62,877
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.86$0.15$0.71$0.89$0.83$0.06
2023Summary only. Only limited summary data is available for this year.$0.71$0.06$0.65$0.73$0.74$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.69$0.03$0.66$0.75$0.72$0.03
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.70$0.07$0.63$0.80$0.78$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.69$0.08$0.61$0.82$0.74$0.08
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.61$0.07$0.54$0.76$0.73$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.57$0.06$0.51$0.81$0.75$0.06
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.51$0.05$0.45$0.84$0.74$0.09
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.45$0.09$0.36$0.93$0.80$0.13
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.36$0.14$0.23$0.89$0.81$0.08
2014Detailed filing. Detailed filing data is available for this year.$0.20$0.05$0.15$0.81$0.76$0.05
2013Detailed filing. Detailed filing data is available for this year.$0.20$0.09$0.10$1.06$0.96$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.10$0.10$0.00$0.94
2011Summary only. Only limited summary data is available for this year.$0.12$0.06$0.05$0.79$0.76$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.09$0.06$0.03$0.69
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 29, 2025
Return Version
2024v5.2
Gross Receipts
$888,855
Mission and Program Overview

Mission

To provide assistance to small businesses to obtain capital for their growth and expansion in accordance with the united states small business administration.

Chesapeake business finance corp ("chesapeake") is a private non-profit corporation licensed by the u.s. Small business administration ("sba") to make sba 504 loans to businesses in maryland, dc, southern delaware, northern virginia, and eastern west virginia.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$662,765$789,163▲ $126,398
Rtn Earn Endowment Incm Other Fnds$650,984$713,861▲ $62,877
Accounts Receivable$43,500$75,209▲ $31,709
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$706,265$864,372▲ $158,107
Liabilities
Accounts Payable and Accrued Expenses$45,281$121,511▲ $76,230
Deferred Revenue$10,000$29,000▲ $19,000
Total Liabilities$55,281$150,511▲ $95,230
Net Assets / Fund Balance
Total Net Assets Fund Balance$650,984$713,861▲ $62,877
Total Liabilities and Net Assets / Fund Balance$706,265$864,372▲ $158,107

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$0$3,295$3,295
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John SowerPresident & Secretary, EbmFT$399,713$399,713
Thomas TurnerVice PresidentFT$101,055$101,055

Board Members and Trustees

NameTitle
Andrew HeckExecutive Board Member
Cedric L SpruillExecutive Board Member
David ShiklesExecutive Board Member
Frederick SchultzExecutive Board Member
Gary W ThomasExecutive Board Member
John W ByrneExecutive Board Member
Malcolm MarshallExecutive Board Member
Wilbur DoveExecutive Board Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$698,719
Investment Income
$22,124
Other Revenue
$168,012
Change in Net Assets
$62,877

Audited Revenue Reconciliation

Revenue per Audited Statements
$888,855
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$888,855
Total Revenue per Form 990
$888,855
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$525,785
Other Expenses$300,193
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$299,784$99,928-$399,712
Fees for Services Other$177,113--$177,113
Pension Plan Contributions$100,936--$100,936
Payroll Taxes$20,440$4,697-$25,137
Fees for Services Accounting-$21,440-$21,440
Office Expenses$6,221$5,553-$11,774
Insurance-$9,528-$9,528
Fees for Services Legal$3,793$421-$4,214
Travel$1,677$1,676-$3,353
Other Expenses$2,227$6,696-$2,227
Advertising$1,389--$1,389
Occupancy$300$900-$1,200
Conferences and Meetings$945--$945
Total Functional Expenses$614,825$211,153$0$825,978

Audited Expense Reconciliation

Line ItemAmount
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Expenses per Audited Statements$0
Total Expenses per Audited Statements$0
Total Expenses per Form 990$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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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 A, Line 7A

“The organization is composed of an eleven person executive board. Individuals may vote on election of one or more members of the governing body.”

Form 990, Part VI, Section B, Line 11B

“A copy of the 990 is not provided to the organization's governing body prior to filing; however, the board is provided with a copy of the filed 990 for review and discussion at the organization's semi-annual board meetings.”

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

“INFORMAL.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public through audits conducted and released by the small business administration.”

Filing and Contact Details

Filer

Filer Name
Chesapeake Business Finance Corp
EIN
52-2239603
Phone
2402240217
Address
4701 SANGAMORE RD 100N, BETHESDA, MD 20816

Signing Officer

Name
John Sower
Title
President
Phone
2026254373
Signed
2025-09-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Sower
Formed
1998
Legal Domicile
Md
Voting Board Members
9
Independent Board Members
8
Employees
2
Volunteers
9

Preparer

Firm
Forvis Mazars Llp
Address
501 OFFICE CENTER DRIVE SUITE 300, FORT WASHINGTON, PA 19034-3201
Preparer
Kirk J Eldridge
Phone
2152591000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Underwriting fees: program service expenses 177,113. Management and general expenses 0. Fundraising expenses 0. Total expenses 177,113.”

Raw XML AppendixShowing 400 of 405 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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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CHESAPEAKE BUSINESS FINANCE CORP ("CHESAPEAKE") IS A PRIVATE NON-PROFIT CORPORATION LICENSED BY THE U.S. SMALL BUSINESS ADMINISTRATION ("SBA") TO MAKE SBA 504 LOANS TO BUSINESSES IN MARYLAND, DC, SOUTHERN DELAWARE, NORTHERN VIRGINIA, AND EASTERN WEST VIRGINIA.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT & SECRETARY, EBM
IRS990/Form990PartVIISectionAGrp/TitleTxt1EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8EXECUTIVE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE PRESIDENT
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IRS990/OccupancyGrp/TotalAmt01200
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt05553
IRS990/OfficeExpensesGrp/ProgramServicesAmt06221
IRS990/OfficeExpensesGrp/TotalAmt011774
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0CONSULTANT FEES
IRS990/OtherExpensesGrp/Desc1DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc2PAYROLL SERVICE COSTS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt060314
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt16696
IRS990/OtherExpensesGrp/ProgramServicesAmt02227
IRS990/OtherExpensesGrp/TotalAmt060314
IRS990/OtherExpensesGrp/TotalAmt16696
IRS990/OtherExpensesGrp/TotalAmt22227
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt0168012
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0168012
IRS990/OtherRevenueTotalAmt0168012
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04697
IRS990/PayrollTaxesGrp/ProgramServicesAmt020440
IRS990/PayrollTaxesGrp/TotalAmt025137
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0100936
IRS990/PensionPlanContributionsGrp/TotalAmt0100936
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0JOHN SOWER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/Desc0SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc1LOAN FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0461379
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1237340
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0461379
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1237340
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt09342
IRS990/PYOtherExpensesAmt0240063
IRS990/PYOtherRevenueAmt0156770
IRS990/PYProgramServiceRevenueAmt0567477
IRS990/PYRevenuesLessExpensesAmt0-8611
IRS990/PYSalariesCompEmpBnftPaidAmt0502137
IRS990/PYTotalExpensesAmt0742200
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0733589
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt062877
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0698719
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0650984
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0713861
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt03295
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03295
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0888855
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt00
IRS990ScheduleD/TotalRevenuePerForm990Amt0888855
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0888855
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt00
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0399713
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN SOWER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & SECRETARY, EBM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0399713
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS COMPOSED OF AN ELEVEN PERSON EXECUTIVE BOARD. INDIVIDUALS MAY VOTE ON ELECTION OF ONE OR MORE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE 990 IS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY PRIOR TO FILING; HOWEVER, THE BOARD IS PROVIDED WITH A COPY OF THE FILED 990 FOR REVIEW AND DISCUSSION AT THE ORGANIZATION'S SEMI-ANNUAL BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2INFORMAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC THROUGH AUDITS CONDUCTED AND RELEASED BY THE SMALL BUSINESS ADMINISTRATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UNDERWRITING FEES: PROGRAM SERVICE EXPENSES 177,113. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 177,113.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0706265
IRS990/TotalAssetsEOYAmt0864372
IRS990/TotalAssetsGrp/BOYAmt0706265
IRS990/TotalAssetsGrp/EOYAmt0864372
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0211153
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0614825
IRS990/TotalFunctionalExpensesGrp/TotalAmt0825978
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt055281
IRS990/TotalLiabilitiesEOYAmt0150511
IRS990/TotalLiabilitiesGrp/BOYAmt055281
IRS990/TotalLiabilitiesGrp/EOYAmt0150511
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0650984
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0713861
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0614825
IRS990/TotalProgramServiceRevenueAmt0698719
IRS990/TotalReportableCompFromOrgAmt0500768
IRS990/TotalRevenueGrp/ExclusionAmt0190136
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0698719
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0888855
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0706265
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0864372
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt01676
IRS990/TravelGrp/ProgramServicesAmt01677
IRS990/TravelGrp/TotalAmt03353
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04701 SANGAMORE RD 100N
IRS990/USAddress/CityNm0BETHESDA
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd020816
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN SOWER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02026254373
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHESAPEAKE BUSINESS FINANCE CORP
ReturnHeader/Filer/BusinessNameControlTxt0CHES
ReturnHeader/Filer/EIN0522239603
ReturnHeader/Filer/PhoneNum02402240217
ReturnHeader/Filer/USAddress/AddressLine1Txt04701 SANGAMORE RD 100N
ReturnHeader/Filer/USAddress/CityNm0BETHESDA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd020816
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0440160260
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FORVIS MAZARS LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0501 OFFICE CENTER DRIVE SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FORT WASHINGTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0190343201
ReturnHeader/PreparerPersonGrp/PhoneNum02152591000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KIRK J ELDRIDGE

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