Civic Intelligence

Brightbridge Inc.

990 • Fiscal year 2025 • EIN 58-1494630

Jul 01, 2024 to Jun 30, 2025 • Filed on Feb 05, 2026

Organization ProfileWWW.BRIGHTBRIDGEINC.ORG

View Organization Page

506 Broad StreetChattanooga, TN 37402

(423) 424-4220

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

93rd percentile

0.93x

Higher debt load relative to assets than 93% of similar nonprofits.

2025 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

14.48x

Higher debt load relative to revenue than 98% of similar nonprofits.

2025 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2025

Net Margin

57th percentile

9.9%

Higher net margin than 57% of similar nonprofits.

2025 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

22nd percentile

$259,312

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

2025 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2025

Asset Growth

26th percentile

0.9%

Faster asset growth than 26% of similar nonprofits.

2025 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

24th percentile

-2.6%

Faster revenue growth than 24% of similar nonprofits.

2025 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$162,669,812

Up $1,528,008 (+0.9%) from 2024

Net Assets

Up

$12,032,665

Up $2,411,518 (+25%) from 2024

Liabilities

Down

$150,637,147

Down $883,510 (-0.6%) from 2024

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin57th percentile

Revenue

Down

$10,405,323

Down $272,484 (-2.6%) from 2024

Expenses

Up

$9,379,832

Up $773,004 (+9.0%) from 2024

Net Income

Down

$1,025,491

Down $1,045,488 (-50%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth26th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200M$150M$100M$50M$0Assets 2011: $8,966,121Liabilities 2011: $3,287,912Net Assets 2011: $5,678,2092011Assets 2012: $8,564,512Liabilities 2012: $5,159,780Net Assets 2012: $3,404,7322012Assets 2013: $8,540,048Liabilities 2013: $4,868,320Net Assets 2013: $3,671,7282013Assets 2014: $8,554,231Liabilities 2014: $4,693,675Net Assets 2014: $3,860,5562014Assets 2015: $8,676,441Liabilities 2015: $4,908,355Net Assets 2015: $3,768,0862015Assets 2016: $7,625,124Liabilities 2016: $4,069,017Net Assets 2016: $3,556,1072016Assets 2017: $8,023,656Liabilities 2017: $4,324,699Net Assets 2017: $3,698,9572017Assets 2018: $9,019,300Liabilities 2018: $5,270,846Net Assets 2018: $3,748,4542018Assets 2019: $21,973,043Liabilities 2019: $18,275,677Net Assets 2019: $3,697,3662019Assets 2020: $51,290,497Liabilities 2020: $46,644,518Net Assets 2020: $4,645,9792020Assets 2021: $72,134,549Liabilities 2021: $66,641,382Net Assets 2021: $5,493,1672021Assets 2022: $120,622,501Liabilities 2022: $114,211,441Net Assets 2022: $6,411,0602022Assets 2023: $141,822,282Liabilities 2023: $134,272,114Net Assets 2023: $7,550,1682023Assets 2024: $161,141,804Liabilities 2024: $151,520,657Net Assets 2024: $9,621,1472024Assets 2025: $162,669,812Liabilities 2025: $150,637,147Net Assets 2025: $12,032,6652025

Highlighted filing

2025

Assets$162,669,812
Liabilities$150,637,147
Net Assets$12,032,665
Open 2025 Filing

Operations Trend

Revenue Growth24th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0-$5.0MRevenue 2011: $2,207,044Expenses 2011: $2,401,286Net Income 2011: -$194,2422011Revenue 2012: $2,047,454Expenses 2012: $2,020,931Net Income 2012: $26,5232012Revenue 2013: $2,065,009Expenses 2013: $1,798,013Net Income 2013: $266,9962013Revenue 2014: $2,453,082Expenses 2014: $2,263,975Net Income 2014: $189,1072014Revenue 2015: $1,664,998Expenses 2015: $1,757,468Net Income 2015: -$92,4702015Revenue 2016: $1,494,841Expenses 2016: $1,706,820Net Income 2016: -$211,9792016Revenue 2017: $1,914,638Expenses 2017: $1,771,788Net Income 2017: $142,8502017Revenue 2018: $1,970,265Expenses 2018: $1,920,768Net Income 2018: $49,4972018Revenue 2019: $1,612,964Expenses 2019: $1,455,029Net Income 2019: $157,9352019Revenue 2020: $2,806,922Expenses 2020: $1,858,309Net Income 2020: $948,6132020Revenue 2021: $2,989,328Expenses 2021: $2,142,140Net Income 2021: $847,1882021Revenue 2022: $3,473,186Expenses 2022: $2,555,293Net Income 2022: $917,8932022Revenue 2023: $6,832,470Expenses 2023: $5,693,362Net Income 2023: $1,139,1082023Revenue 2024: $10,677,807Expenses 2024: $8,606,828Net Income 2024: $2,070,9792024Revenue 2025: $10,405,323Expenses 2025: $9,379,832Net Income 2025: $1,025,4912025

Highlighted filing

2025

Revenue$10,405,323
Expenses$9,379,832
Net Income$1,025,491
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Feb 5, 2026
Return Version
2024v5.5
Gross Receipts
$10,405,323
Mission and Program Overview

Mission

Promotion and assistance of economic development through business financing and providing technical assistance

501(c)(3) that promotes economic development by providing loans and technical assistance.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$127,156,834$127,871,832▲ $714,998
Savings and Temporary Cash Investments$32,337,070$33,012,482▲ $675,412
Accounts Receivable$228,896$451,526▲ $222,630
Prepaid Expenses and Deferred Charges$83,399$163,768▲ $80,369
Investments Other Securities$46,088$47,676▲ $1,588
Land, Buildings, and Equipment, Net$15,255$7,779▼ $7,476
Total Assets$161,141,804$162,669,812▲ $1,528,008
Other Assets Total$1,274,262$1,114,749▼ $159,513
Liabilities
Mortgage Notes Payable Secured by Investment Property$149,700,894$149,163,382▼ $537,512
Other Liabilities$815,347$747,858▼ $67,489
Accounts Payable and Accrued Expenses$1,004,416$725,907▼ $278,509
Total Liabilities$151,520,657$150,637,147▼ $883,510
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$9,621,147$12,032,665▲ $2,411,518
Total Net Assets Fund Balance$9,621,147$12,032,665▲ $2,411,518
Total Liabilities and Net Assets / Fund Balance$161,141,804$162,669,812▲ $1,528,008

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,779$160,622$168,401
Leasehold Improvements$0$47,961$47,961
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Monica BlantonSenior Vice PresidentFT$230,614$28,698$259,312
Bill PollardPresident & CEOFT$220,000$20,655$240,655
Avery BoggessSecretary & VPFT$132,339$16,462$148,801
Charles MillironsSenior Vice PresidentFT$118,995$15,149$134,144
Mike HowardVice-presidentFT$101,725$19,745$121,470
Preston WayRelationship ManagerFT$101,250$14,496$115,746
Shoshannah WalkerFinancial OfficerFT$90,339$22,833$113,172

Board Members and Trustees

NameTitle
Clem RenfroChair
Abby GarrisonVice Chair
Angela ConnerDirector
Bob CantlerDirector
Christina EdwardsDirector
Gary PettyDirector
Jack SampleDirector
Jeff LandDirector
Kirk GoehringDirector
Les RoddyDirector
Lindsay TheobaldDirector
Michael OwensDirector
Ryan MurphyDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,290,988
Investment Income
$102,020
Other Revenue
$12,315
Change in Net Assets
$1,025,491

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,405,323
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$10,405,323
Total Revenue per Form 990
$10,405,323
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,939,121
Salaries, Compensation, and Employee Benefits$2,440,711
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$4,689,150--$4,689,150
Current Officers, Directors, Trustees, and Key Employees$950,565$286,900-$1,237,465
Other Salaries and Wages$525,196$289,932-$815,128
Other Employee Benefits$273,248$114,870-$388,118
Fees for Services Management$235,353--$235,353
Occupancy-$144,707-$144,707
Fees for Services Legal$93,357$37,772-$131,129
Travel$89,102$36,143-$125,245
Other Expenses$93,043$23,705-$93,043
Insurance-$75,167-$75,167
Fees for Services Accounting-$62,264-$62,264
All Other Expenses$13,483$23,800-$37,283
Office Expenses$2,213$12,517-$14,730
Depreciation Depletion-$7,476-$7,476
Advertising$6,947--$6,947
Total Functional Expenses$8,245,009$1,134,823$0$9,379,832

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,379,832
Total Expenses per Audited Statements$9,379,832
Total Expenses per Form 990$9,379,832
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on 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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$695,853
Unearned Revenue$52,005
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
Other officer compensation reviewed
Yes
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 11B

“The form 990 is prepared by an independent public accounting firm and submitted to the president and ceo for review and approval. After review and approval, the form 990 is then distributed to all board members before filing.”

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

“All board members sign a directors certification required by sba. This includes a conflict of interest policy. Board members are expected to abstain from voting if there is a conflict of interest.”

Form 990, Part VI, Section B, Line 15

“Compensation of the executive director and key employees are subject to review and approval of the board of directors.”

Form 990, Part VI, Section C, Line 19

“Documents open to public inspection are available at the office upon request.”

Filing and Contact Details

Filer

Filer Name
Brightbridge Inc
EIN
58-1494630
Phone
4234244220
Address
506 BROAD STREET, CHATTANOOGA, TN 37402

Signing Officer

Name
Bill Pollard
Title
CEO
Phone
4234244227
Signed
2026-02-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bill Pollard
Formed
1981
Legal Domicile
Tn
Voting Board Members
14
Independent Board Members
13
Employees
20
Volunteers
13

Preparer

Firm
Mauldin & Jenkins LLC
Address
200 W MLK BLVD STE 1100, CHATTANOOGA, TN 37402-1239
Preparer
Bridget Bush
Phone
4237566133
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Excess of assets acquired over liabilities assumed in acquisitions 1,386,027.”

Form 990, Part XII, Line 2C

“Oversight of our audit, review of our financial statements, and selection of our independent accountants is assumed by the finance committee.”

Financial Statement Notes

PART X, LINE 2:

“The organization is exempt from federal income taxes under section 501(c)(3) of the internal revenue code. However, income from certain activities not directly related to the organization's tax-exempt purpose would be subject to taxation as unrelated business income. The organization accounts for income taxes in accordance with income tax accounting guidance in asc topic 740. The organization follows the statutory requirements for its income tax accounting and generally avoids risks associated with potentially problematic tax positions that may be challenged upon examination. Management believes any liability resulting from taxing authorities imposing additional income taxes from activities deemed to be unrelated to the organization's non-taxable status would not have a material effect on the organization's financial statements. The organization is subject to routine audits by taxing jurisdictions, however, there are currently no tax audits in progress.”

Raw XML AppendixShowing 400 of 631 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/BOYAmt01004416
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0725907
IRS990/AccountsReceivableGrp/BOYAmt0228896
IRS990/AccountsReceivableGrp/EOYAmt0451526
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0501(C)(3) THAT PROMOTES ECONOMIC DEVELOPMENT BY PROVIDING LOANS AND TECHNICAL ASSISTANCE.
IRS990/AdvertisingGrp/ProgramServicesAmt06947
IRS990/AdvertisingGrp/TotalAmt06947
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt023800
IRS990/AllOtherExpensesGrp/ProgramServicesAmt013483
IRS990/AllOtherExpensesGrp/TotalAmt037283
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd00
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0BILL POLLARD
IRS990/BooksInCareOfDetail/PhoneNum04234244220
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0506 BROAD STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHATTANOOGA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037402
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0286900
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0950565
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01237465
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0102020
IRS990/CYOtherExpensesAmt06939121
IRS990/CYOtherRevenueAmt012315
IRS990/CYProgramServiceRevenueAmt010290988
IRS990/CYRevenuesLessExpensesAmt01025491
IRS990/CYSalariesCompEmpBnftPaidAmt02440711
IRS990/CYTotalExpensesAmt09379832
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010405323
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt07476
IRS990/DepreciationDepletionGrp/TotalAmt07476
IRS990/Desc0SMALL BUSINESS LENDING PROGRAM - PROGRAM A PROVIDES LOANS TO SMALL AND STARTUP BUSINESSES THAT ARE LOCATED IN QUALIFIED AREAS LOANS THAT CAN BE USED FOR ACQUISITION OF LAND, LAND IMPROVEMENTS, BUILDING CONSTRUCTION, PURCHASE OF BUILDINGS, RENOVATION OF BUILDINGS, AND PURCHASE OF MACHINERY, OR EQUIPMENT. PROGRAM B PROVIDES BUSINESSES (BOTH FOR-PROFIT AND NOT-FOR-PROFIT) LOCATED IN DESIGNATED LOW-INCOME CENSUS TRACTS OR OWNED BY MEMBERS OR A TARGETED POPULATION, WHICH INCLUDES LOW-INCOME PERSONS AND ELIGIBLE MINORITIES, WITH LOANS THAT CAN BE USED FOR MOST BUSINESS PURPOSES, INCLUDING WORKING CAPITAL, FIXED ASSETS, AND OTHERS.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt020
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt05601491
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt062264
IRS990/FeesForServicesAccountingGrp/TotalAmt062264
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt037772
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt093357
IRS990/FeesForServicesLegalGrp/TotalAmt0131129
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt0235353
IRS990/FeesForServicesManagementGrp/TotalAmt0235353
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt102.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt112.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt122.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt132.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt020655
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1428698
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1516462
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1615149
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1719745
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1822833
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1914496
IRS990/Form990PartVIISectionAGrp/PersonNm0BILL POLLARD
IRS990/Form990PartVIISectionAGrp/PersonNm1CLEM RENFRO
IRS990/Form990PartVIISectionAGrp/PersonNm2ABBY GARRISON
IRS990/Form990PartVIISectionAGrp/PersonNm3BOB CANTLER
IRS990/Form990PartVIISectionAGrp/PersonNm4ANGELA CONNER
IRS990/Form990PartVIISectionAGrp/PersonNm5CHRISTINA EDWARDS
IRS990/Form990PartVIISectionAGrp/PersonNm6KIRK GOEHRING
IRS990/Form990PartVIISectionAGrp/PersonNm7JEFF LAND
IRS990/Form990PartVIISectionAGrp/PersonNm8RYAN MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL OWENS
IRS990/Form990PartVIISectionAGrp/PersonNm10GARY PETTY
IRS990/Form990PartVIISectionAGrp/PersonNm11LES RODDY
IRS990/Form990PartVIISectionAGrp/PersonNm12JACK SAMPLE
IRS990/Form990PartVIISectionAGrp/PersonNm13LINDSAY THEOBALD
IRS990/Form990PartVIISectionAGrp/PersonNm14MONICA BLANTON
IRS990/Form990PartVIISectionAGrp/PersonNm15AVERY BOGGESS
IRS990/Form990PartVIISectionAGrp/PersonNm16CHARLES MILLIRONS
IRS990/Form990PartVIISectionAGrp/PersonNm17MIKE HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm18SHOSHANNAH WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm19PRESTON WAY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0220000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14230614
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15132339
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16118995
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17101725
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1890339
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19101250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
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/TitleTxt14SENIOR VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15SECRETARY & VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt18FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19RELATIONSHIP MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01981
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt014
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt010405323
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt013
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt075167
IRS990/InsuranceGrp/TotalAmt075167
IRS990/InterestGrp/ProgramServicesAmt04689150
IRS990/InterestGrp/TotalAmt04689150
IRS990/InvestmentIncomeGrp/ExclusionAmt0102020
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0102020
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt046088
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt047676
IRS990/IRPDocumentCnt027
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0208583
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015255
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07779
IRS990/LandBldgEquipCostOrOtherBssAmt0216362
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROMOTION AND ASSISTANCE OF ECONOMIC DEVELOPMENT THROUGH BUSINESS FINANCING AND PROVIDING TECHNICAL ASSISTANCE
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0149700894
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0149163382
IRS990/NetAssetsOrFundBalancesBOYAmt09621147
IRS990/NetAssetsOrFundBalancesEOYAmt012032665
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt09621147
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt012032665
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt0144707
IRS990/OccupancyGrp/TotalAmt0144707
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt012517
IRS990/OfficeExpensesGrp/ProgramServicesAmt02213
IRS990/OfficeExpensesGrp/TotalAmt014730
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01274262
IRS990/OtherAssetsTotalGrp/EOYAmt01114749
IRS990/OtherChangesInNetAssetsAmt01386027
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0114870
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0273248
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0388118
IRS990/OtherExpensesGrp/Desc0CREDIT LOSS PROVISION
IRS990/OtherExpensesGrp/Desc1TRAINING
IRS990/OtherExpensesGrp/Desc2EQUIPMENT AND SOFTWARE
IRS990/OtherExpensesGrp/Desc3LOAN CLOSING COSTS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt019570
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt123705
IRS990/OtherExpensesGrp/ProgramServicesAmt01089430
IRS990/OtherExpensesGrp/ProgramServicesAmt1101279
IRS990/OtherExpensesGrp/ProgramServicesAmt282643
IRS990/OtherExpensesGrp/ProgramServicesAmt393043
IRS990/OtherExpensesGrp/TotalAmt01089430
IRS990/OtherExpensesGrp/TotalAmt1120849
IRS990/OtherExpensesGrp/TotalAmt2106348
IRS990/OtherExpensesGrp/TotalAmt393043
IRS990/OtherLiabilitiesGrp/BOYAmt0815347
IRS990/OtherLiabilitiesGrp/EOYAmt0747858
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt012315
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt012315
IRS990/OtherRevenueTotalAmt012315
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0289932
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0525196
IRS990/OtherSalariesAndWagesGrp/TotalAmt0815128
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0127156834
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0127871832
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt083399
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0163768
IRS990/PrincipalOfficerNm0BILL POLLARD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTERST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MANAGEMENT FEES
IRS990/ProgramServiceRevenueGrp/Desc2SERVICING FEES
IRS990/ProgramServiceRevenueGrp/Desc3LOAN FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07319176
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11795623
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2706787
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3469402
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07319176
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11795623
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2706787
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3469402
IRS990/ProgSrvcAccomActy2Grp/Desc0SBA COMMUNITY ADVANTAGE - LOANS TO SMALL AND STARTUP BUSINESSES FOR USE IN NORMAL BUSINESS OPERATIONS TO FINANCE WORKING CAPITAL NEEDS, EQUIPMENT PURCHASES, OR EXPANSION PROJECTS. LOANS ARE REPAID BY BUSINESS CASH FLOWS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02034080
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt01702399
IRS990/ProgSrvcAccomActy3Grp/Desc0NEW MARKET TAX CREDIT PROVIDES CAPITAL TO BUSINESSES LOCATED IN DISTRESSED COMMUNITIES
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0590183
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt01797212
IRS990/ProgSrvcAccomActyOtherGrp/Desc0GEORGIA RURAL DEVELOPMENT RELENDING FUND - PROVIDES SMALL AND STARTUP BUSINESSES THAT ARE LOCATED IN QUALIFIED AREAS LOANS THAT CAN BE USED FOR ACQUISITION OF LAND, LAND IMPROVEMENTS, BUILDING CONSTRUCTION, PURCHASE OF BUILDINGS, RENOVATION OF BUILDINGS, AND PURCHASE OF MACHINERY, OR EQUIPMENT.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt019255
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0105247
IRS990/PYOtherExpensesAmt06442944
IRS990/PYOtherRevenueAmt04412
IRS990/PYProgramServiceRevenueAmt010568148
IRS990/PYRevenuesLessExpensesAmt02070979
IRS990/PYSalariesCompEmpBnftPaidAmt02163884
IRS990/PYTotalExpensesAmt08606828
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010677807
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt01025491
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt06791377
IRS990/SavingsAndTempCashInvstGrp/BOYAmt032337070
IRS990/SavingsAndTempCashInvstGrp/EOYAmt033012482
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt021000
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt021000
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt010290988
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt010673395
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt06828378
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt03468343
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt02905607
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt034166711
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt021000
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt021000
IRS990ScheduleA/InvestmentIncomeCYPct00.00060
IRS990ScheduleA/InvestmentIncomePYPct00.00190
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt012315
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt04412
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt04092
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt04843
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt027771
IRS990ScheduleA/OtherIncome509Grp/TotalAmt053433
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99780

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$162,669,812
Liabilities
$150,637,147
Net assets
$12,032,665
Revenue
$10,405,323
Expenses
$9,379,832
Net income
$1,025,491
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$163$151$12.0$10.4$9.38$1.03
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$161$152$9.62$10.7$8.61$2.07
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$142$134$7.55$6.83$5.69$1.14
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$114$6.41$3.47$2.56$0.92
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.1$66.6$5.49$2.99$2.14$0.85
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.3$46.6$4.65$2.81$1.86$0.95
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.0$18.3$3.70$1.61$1.46$0.16
2018Summary only. Only limited summary data is available for this year.$9.02$5.27$3.75$1.97$1.92$0.05
2017Summary only. Only limited summary data is available for this year.$8.02$4.32$3.70$1.91$1.77$0.14
2016Summary only. Only limited summary data is available for this year.$7.63$4.07$3.56$1.49$1.71$0.21
2015Summary only. Only limited summary data is available for this year.$8.68$4.91$3.77$1.66$1.76$0.09
2014Summary only. Only limited summary data is available for this year.$8.55$4.69$3.86$2.45$2.26$0.19
2013Summary only. Only limited summary data is available for this year.$8.54$4.87$3.67$2.07$1.80$0.27
2012Summary only. Only limited summary data is available for this year.$8.56$5.16$3.40$2.05$2.02$0.03
2011Summary only. Only limited summary data is available for this year.$8.97$3.29$5.68$2.21$2.40$0.19