Civic Intelligence

Access to Capital for Entrepreneurs Inc

EIN 58-2383669 • 501(c)3 • Cleveland, GA

Profile

To provide access to capital, education and business development resources to new and existing small, micro or environmentally sustainable businesses.

3173 Highway 129NCleveland, GA 30528

www.aceloans.org

Siviq Scores

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

Liabilities / Assets

71st percentile

0.53x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

87th percentile

2.84x

Higher debt load relative to revenue than 87% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Net Margin

87th percentile

39%

Higher net margin than 87% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

57th percentile

$550,676

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

501(c)3 • $100M-$250M nonprofits • Source year 2024

Asset Growth

69th percentile

11%

Faster asset growth than 69% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

16th percentile

-7.2%

Faster revenue growth than 16% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$134,325,923

Up $13,144,088 (+11%) from 2023

Liabilities

Up

$71,084,905

Up $3,489,284 (+5.2%) from 2023

Net Assets

Up

$63,241,018

Up $9,654,804 (+18%) from 2023

Operations
Liabilities / Revenue87th percentileNet Margin87th percentile

Revenue

Down

$25,034,907

Down $1,952,500 (-7.2%) from 2023

Expenses

Up

$15,384,994

Up $1,655,908 (+12%) from 2023

Net Income

Down

$9,649,913

Down $3,608,408 (-27%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

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

$150M$100M$50M$0Assets 2010: $5,030,556Liabilities 2010: $3,735,241Net Assets 2010: $1,295,3152010Assets 2011: $7,279,506Liabilities 2011: $4,664,687Net Assets 2011: $2,614,8192011Assets 2012: $11,343,689Liabilities 2012: $6,662,419Net Assets 2012: $4,681,2702012Assets 2013: $16,995,935Liabilities 2013: $7,379,383Net Assets 2013: $9,616,5522013Assets 2014: $19,578,645Liabilities 2014: $9,374,864Net Assets 2014: $10,203,7812014Assets 2015: $21,200,465Liabilities 2015: $10,258,012Net Assets 2015: $10,942,4532015Assets 2016: $26,177,684Liabilities 2016: $14,398,482Net Assets 2016: $11,779,2022016Assets 2017: $27,581,148Liabilities 2017: $13,524,293Net Assets 2017: $14,056,8552017Assets 2018: $32,376,095Liabilities 2018: $17,731,284Net Assets 2018: $14,644,8112018Assets 2019: $41,582,167Liabilities 2019: $23,605,470Net Assets 2019: $17,976,6972019Assets 2020: $72,027,539Liabilities 2020: $44,352,031Net Assets 2020: $27,675,5082020Assets 2021: $88,796,114Liabilities 2021: $55,259,839Net Assets 2021: $33,536,2752021Assets 2022: $106,342,633Liabilities 2022: $66,034,185Net Assets 2022: $40,308,4482022Assets 2023: $121,181,835Liabilities 2023: $67,595,621Net Assets 2023: $53,586,2142023Assets 2024: $134,325,923Liabilities 2024: $71,084,905Net Assets 2024: $63,241,0182024

Highlighted filing

2024

Assets$134,325,923
Liabilities$71,084,905
Net Assets$63,241,018
Open 2024 Filing

Operations Trend

Revenue Growth16th percentile

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

$30M$20M$10M$0Expenses 2010: $1,148,0332010Expenses 2011: $1,467,6722011Expenses 2012: $1,879,3292012Revenue 2013: $6,996,074Expenses 2013: $2,060,792Net Income 2013: $4,935,2822013Revenue 2014: $2,585,745Expenses 2014: $1,998,516Net Income 2014: $587,2292014Revenue 2015: $2,880,460Expenses 2015: $2,163,442Net Income 2015: $717,0182015Revenue 2016: $3,843,751Expenses 2016: $3,009,429Net Income 2016: $834,3222016Revenue 2017: $5,758,388Expenses 2017: $3,480,775Net Income 2017: $2,277,6132017Revenue 2018: $4,681,479Expenses 2018: $4,086,491Net Income 2018: $594,9882018Revenue 2019: $8,731,583Expenses 2019: $5,415,460Net Income 2019: $3,316,1232019Revenue 2020: $17,966,232Expenses 2020: $8,283,318Net Income 2020: $9,682,9142020Revenue 2021: $11,013,240Expenses 2021: $5,395,685Net Income 2021: $5,617,5552021Revenue 2022: $13,820,713Expenses 2022: $7,021,021Net Income 2022: $6,799,6922022Revenue 2023: $26,987,407Expenses 2023: $13,729,086Net Income 2023: $13,258,3212023Revenue 2024: $25,034,907Expenses 2024: $15,384,994Net Income 2024: $9,649,9132024

Highlighted filing

2024

Revenue$25,034,907
Expenses$15,384,994
Net Income$9,649,913
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$134,325,923
Liabilities
$71,084,905
Net assets
$63,241,018
Revenue
$25,034,907
Expenses
$15,384,994
Net income
$9,649,913
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$134$71.1$63.2$25.0$15.4$9.65
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$121$67.6$53.6$27.0$13.7$13.3
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$106$66.0$40.3$13.8$7.02$6.80
2021Detailed filing. Detailed filing data is available for this year.$88.8$55.3$33.5$11.0$5.40$5.62
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.0$44.4$27.7$18.0$8.28$9.68
2019Detailed filing. Detailed filing data is available for this year.$41.6$23.6$18.0$8.73$5.42$3.32
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.4$17.7$14.6$4.68$4.09$0.59
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.6$13.5$14.1$5.76$3.48$2.28
2016Detailed filing. Detailed filing data is available for this year.$26.2$14.4$11.8$3.84$3.01$0.83
2015Detailed filing. Detailed filing data is available for this year.$21.2$10.3$10.9$2.88$2.16$0.72
2014Detailed filing. Detailed filing data is available for this year.$19.6$9.37$10.2$2.59$2.00$0.59
2013Detailed filing. Detailed filing data is available for this year.$17.0$7.38$9.62$7.00$2.06$4.94
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.3$6.66$4.68$1.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.28$4.66$2.61$1.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.03$3.74$1.30$1.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 10, 2025
Return Version
2024v5.1
Gross Receipts
$25,034,907
Mission and Program Overview

Mission

See schedule othe mission of access to capital for entrepreneurs, inc. (ace) is to provide community economic development to underserved people and communities. Ace is a non-profit organization that provides loans and business development resources to help its borrowers create and grow sustainable businesses which generate jobs.

To provide loans to help small businesses grow by removing barriers to capital access.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$66,851,740$82,023,335▲ $15,171,595
Savings and Temporary Cash Investments$47,446,205$46,931,627▼ $514,578
Cash and Non-Interest-Bearing Accounts$1,749,308$1,942,990▲ $193,682
Investments Other Securities$929,228$1,065,056▲ $135,828
Pledges and Grants Receivable$2,369,022$940,105▼ $1,428,917
Prepaid Expenses and Deferred Charges$126,956$111,502▼ $15,454
Investments in Publicly Traded Securities$91,815$95,967▲ $4,152
Accounts Receivable$10,000$15,000▲ $5,000
Land, Buildings, and Equipment, Net$28,760$13,212▼ $15,548
Total Assets$121,181,835$134,325,923▲ $13,144,088
Other Assets Total$1,578,801$1,187,129▼ $391,672
Liabilities
Unsecured Notes Loans Payable$32,420,475$34,177,170▲ $1,756,695
Other Liabilities$13,760,000$18,260,000▲ $4,500,000
Mortgage Notes Payable Secured by Investment Property$14,394,407$13,421,949▼ $972,458
Deferred Revenue$5,666,472$3,869,394▼ $1,797,078
Accounts Payable and Accrued Expenses$605,980$1,074,023▲ $468,043
Escrow Account Liability$748,287$282,369▼ $465,918
Total Liabilities$67,595,621$71,084,905▲ $3,489,284
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$38,382,882$47,050,161▲ $8,667,279
Net Assets With Donor Restrictions$15,203,332$16,190,857▲ $987,525
Total Net Assets Fund Balance$53,586,214$63,241,018▲ $9,654,804
Total Liabilities and Net Assets / Fund Balance$121,181,835$134,325,923▲ $13,144,088

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$13,212$67,454$80,666
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Grace C FricksPresident & CEOFT$506,104$44,572$550,676
Shanon StewartChief Credit OfficerFT$205,310$21,500$226,810
Martina EdwardsChief of Strategic PartnershipsFT$160,659$36,964$197,623
Sandra HeadleyVice PresidentFT$165,284$18,120$183,404
Raynard ClayDirector of LendingFT$163,503$12,459$175,962
Ray PenniePresident of Business DevelopmentFT$163,794$10,390$174,184
Bob GallagherChief Financial OfficerFT$124,275-$124,275

Board Members and Trustees

NameTitle
Bill ZawrotnyBoard Chair
Hollis LinginfleterBoard Member & Investment Comm.chair
Miguel AlandeteBoard Member & Loan Committee Chair
Matt BozzelliImmediate Past Board Chair
Grace Lopez-williamsTreasurer & Finance Committee Chair
Sibyl SladeVice Chair
Candy MooreBoard Member
Carlos MataBoard Member
Courtney SmithBoard Member
Marvin LimBoard Member
Mary KeplerBoard Member
Stephanie MartinBoard Member
Dale RoyalSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Cliftonlarsonallen LLPAccounting System Conversion ConsultantPO BOX 740863, Atlanta, GA 30374$543,199
Thomas E Austin Jr LLCCollection, Recovery, And Legal Fees2625 PIEDMONT ROAD SUITE 56-330, Atlanta, GA 30324$201,581
ArkusLoan Department System Conversion And Ov10 TIMES SQUARE 6TH FLOOR, New York, NY 10018$199,235
Arc Business SolutionsBusiness Advisory Cohorts2022 CHESLEY DRIVE, Austell, GA 30106$126,910
Gallagher Advisory ServicesCfo Services1266 W PACES FERRY RD NW STE 310, Atlanta, GA 30327$124,275
Revenue and Support

Revenue Composition

Contributions and Grants
$12,825,287
Program Service Revenue
$10,096,948
Investment Income
$2,112,672
Other Revenue
$0
All Other Contributions
$10,818,846
Change in Net Assets
$9,649,913

Audited Revenue Reconciliation

Revenue per Audited Statements
$25,034,907
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$276,356
Total Revenue per Audited Statements
$25,311,263
Total Revenue per Form 990
$25,034,907
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,673,844
Salaries, Compensation, and Employee Benefits$5,707,150
Total Fundraising Expense$688,595
Grants and Similar Amounts Paid$4,000
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,914,151$818,428$479,772$4,212,351
Interest$1,932,749--$1,932,749
Fees for Services Other$1,218,519$331,896$9,000$1,559,415
Information Technology$322,952$353,174$10,397$686,523
Current Officers, Directors, Trustees, and Key Employees$168,738$506,213-$674,951
Other Employee Benefits$328,439$35,761$38,246$402,446
Payroll Taxes$232,377$70,097$35,506$337,980
Fees for Services Legal$251,543$3,115-$254,658
Conferences and Meetings$36,736$83,601$86,046$206,383
Travel$58,531$61,412$8,983$128,926
Occupancy$34,715$78,639-$113,354
All Other Expenses$70,583$34,269$885$105,737
Office Expenses$51,970$37,454$5,964$95,388
Fees for Services Accounting-$93,854-$93,854
Pension Plan Contributions$47,353$19,452$12,617$79,422
Insurance$21,013$25,162$424$46,599
Advertising-$19,127-$19,127
Depreciation Depletion$11,926$6,256$675$18,857
Fees for Services Lobbying$6,166$3,834-$10,000
Grants to Domestic Orgs$4,000--$4,000
Other Expenses$12,725$450$80$450
Total Functional Expenses$12,105,316$2,591,083$688,595$15,384,994

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$15,656,459
Expenses per Audited Statements$15,384,994
Total Expenses per Form 990$15,384,994
Expenses Not Reported on Form 990$271,465
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
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Equity Equivalent Liabilities$13,760,000
Investment Bond Payable$4,500,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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 990 will be reviewed by the audit/finance committee and then submitted to full board for review at the next board meeting prior to filing.”

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

“Conflict of interest is a written policy included in the company policy and is monitored by the ceo and board of directors. Ace requires that each employee sign a conflict of interest agreement when hired and notify ace when a possible conflict arises.”

Form 990, Part VI, Section B, Line 15

“The salary of the president/ceo is reviewed by the board compensation committee. As part of this review, salaries of other similar organizations are used. Salaries and contracts concerning key employees are reviewed as part of preparing the organizations budget which the board reviews and discusses.”

Form 990, Part VI, Section C, Line 19

“The entity's governing documents, conflict of interest, and financial statements are available to the public upon request by telephone or in writing.”

Filing and Contact Details

Filer

Filer Name
Access to Capital for Entrepreneurs Inc
EIN
58-2383669
Phone
6783355600
Address
3173 HIGHWAY 129N, CLEVELAND, GA 30528

Signing Officer

Name
Wassia Kamon
Title
CFO
Phone
6783355600
Signed
2025-06-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Martina Edwards
Formed
1998
Legal Domicile
Ga
Voting Board Members
13
Independent Board Members
13
Employees
45
Volunteers
69

Preparer

Firm
Mauldin & Jenkins LLC
Address
200 GALLERIA PKWY SE STE 1700, ATLANTA, GA 30339-5946
Preparer
Melissa Seward
Phone
7709558600
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other contracted services: program service expenses 1,218,519. Management and general expenses 331,896. Fundraising expenses 9,000. Total expenses 1,559,415.”

Form 990 Part XI, Line 2C

“The organization maintained the same auditor as the prior year, and the oversight process has not changed.”

Financial Statement Notes

PART IV, LINE 2B:

“From time to time, ace acts as agent on behalf of other organizations, which include dekalb county. Ace collects cash funds from servicing these loan portfolios that are owned by the other organizations noted above.”

PART X, LINE 2:

“Ace qualifies as a tax-exempt organization as described in internal revenue code section 501(c)(3) and has been classified by the internal revenue service as a publicly supported organization and not as a private foundation. Ace 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 evaluated ace's tax positions and concluded that ace has taken no uncertain tax positions that require adjustment to the financial statements to comply with the provision on accounting for uncertainty in income taxes.”

Raw XML AppendixShowing 400 of 740 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/BOYAmt0605980
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01074023
IRS990/AccountsReceivableGrp/BOYAmt010000
IRS990/AccountsReceivableGrp/EOYAmt015000
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE LOANS TO HELP SMALL BUSINESSES GROW BY REMOVING BARRIERS TO CAPITAL ACCESS.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt019127
IRS990/AdvertisingGrp/TotalAmt019127
IRS990/AllOtherContributionsAmt010818846
IRS990/AllOtherExpensesGrp/FundraisingAmt0885
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt034269
IRS990/AllOtherExpensesGrp/ProgramServicesAmt070583
IRS990/AllOtherExpensesGrp/TotalAmt0105737
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0WASSIA KAMON
IRS990/BooksInCareOfDetail/PhoneNum06783355600
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03173 HIGHWAY 129 N
IRS990/BooksInCareOfDetail/USAddress/CityNm0CLEVELAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd030528
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt01749308
IRS990/CashNonInterestBearingGrp/EOYAmt01942990
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt06
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0506213
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0168738
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0674951
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/FundraisingAmt086046
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt083601
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt036736
IRS990/ConferencesMeetingsGrp/TotalAmt0206383
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0543199
IRS990/ContractorCompensationGrp/CompensationAmt1201581
IRS990/ContractorCompensationGrp/CompensationAmt2199235
IRS990/ContractorCompensationGrp/CompensationAmt3126910
IRS990/ContractorCompensationGrp/CompensationAmt4124275
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 740863
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12625 PIEDMONT ROAD SUITE 56-330
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt210 TIMES SQUARE 6TH FLOOR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt32022 CHESLEY DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt41266 W PACES FERRY RD NW STE 310
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0ATLANTA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1ATLANTA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2NEW YORK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3AUSTELL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4ATLANTA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2NY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd030374
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd130324
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd210018
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd330106
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd430327
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1THOMAS E AUSTIN JR LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2ARKUS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3ARC BUSINESS SOLUTIONS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4GALLAGHER ADVISORY SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc0ACCOUNTING SYSTEM CONVERSION CONSULTANT
IRS990/ContractorCompensationGrp/ServicesDesc1COLLECTION, RECOVERY, AND LEGAL FEES
IRS990/ContractorCompensationGrp/ServicesDesc2LOAN DEPARTMENT SYSTEM CONVERSION AND OV
IRS990/ContractorCompensationGrp/ServicesDesc3BUSINESS ADVISORY COHORTS
IRS990/ContractorCompensationGrp/ServicesDesc4CFO SERVICES
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt012825287
IRS990/CYGrantsAndSimilarPaidAmt04000
IRS990/CYInvestmentIncomeAmt02112672
IRS990/CYOtherExpensesAmt09673844
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt010096948
IRS990/CYRevenuesLessExpensesAmt09649913
IRS990/CYSalariesCompEmpBnftPaidAmt05707150
IRS990/CYTotalExpensesAmt015384994
IRS990/CYTotalFundraisingExpenseAmt0688595
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt025034907
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt05666472
IRS990/DeferredRevenueGrp/EOYAmt03869394
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt0675
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt06256
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IRS990/Desc0SEE SCHEDULE OACE PROVIDES THE FOLLOWING PROGRAM SERVICES TO SMALL BUSINESSES:--LENDING--ACE IS COMMITTED TO DEPLOYING CAPITAL TO HIGH-POTENTIAL SMALL BUSINESS OWNERS WHO ARE OFTEN OVERLOOKED BY TRADITIONAL FINANCIAL INSTITUTIONS. THROUGH A THOROUGH AND EXPERIENCED REVIEW PROCESS, THESE ENTREPRENEURS DEMONSTRATE STRONG POTENTIAL AND REPRESENT SOUND, MISSION ALIGNED INVESTMENTS. ACE'S TRACK RECORD SHOWS THAT COMBINING CAPITAL WITH COACHING AND CONNECTIONS IS AN EFFECTIVE AND SUSTAINABLE APPROACH TO SUPPORTING SMALL BUSINESS GROWTH. ACE OFFERS SMALLER LOANS THAT MAY NOT BE SUFFICIENTLY PROFITABLE FOR BANKS BUT ARE CRITICALLY IMPORTANT TO MANY EMERGING SMALL BUSINESSES. INDEED, THE ORGANIZATION TYPICALLY PROVIDES LOANS RANGING FROM $15,000 UP TO $1 MILLION. IN CASES WHERE A BUSINESS CANNOT QUALIFY FOR TRADITIONAL FINANCING AND THE PROPOSED PROJECT HAS SIGNIFICANT COMMUNITY IMPACT, ACE CAN FACILITATE ACCESS TO CAPITAL IN EXCESS OF $1 MILLION. ADDITIONALLY, THE SAVE AND SUSTAIN PROGRAM PROVIDES LOW INTEREST LOANS TO BUSINESSES IMPLEMENTING ENERGY-EFFICIENCY IMPROVEMENTS.CREDIT ENHANCEMENTS:TO EXPAND ACCESS TO AFFORDABLE CAPITAL, ACE EMPLOYS INTEREST RATE BUYDOWNS AND LOAN GUARANTEES AS STRATEGIC TOOLS TO SUPPORT SMALL BUSINESS BORROWERS.LOAN GUARANTEES:ACE USES AN IN-HOUSE LOAN GUARANTEE TO DEPLOY CAPITAL TO SMALL BUSINESS OWNERS WHO HAVE LESS NET WORTH AND FEWER ASSETS TO PROVIDE THE EQUITY OR COLLATERAL NEEDED TO SECURE THEIR LOANS. IN THESE CIRCUMSTANCES THE GUARANTEE WILL BACKSTOP THE LOANS AND SERVE AS THE CLIENTS' COLLATERAL.INTEREST RATE BUYDOWNS:ACE UTILIZES INTEREST RATE BUYDOWNS TO REDUCE THE INTEREST RATE OF LOANS TO BUSINESS BORROWERS STRUGGLING TO RECOVER FROM THE ECONOMIC IMPACT OF THE PANDEMIC, INFLATION, AND OTHER ECONOMIC PRESSURES, AND IN NEED OF CAPITAL TO INCREASE SUSTAINABILITY. CONCESSIONARY TERMS MAY BE LOWER INTEREST RATES AND A LONGER PAYBACK PERIOD, SO THE BUSINESSES HAVE MORE CASH TO GROW THEIR BUSINESSES.--SUPPORT SERVICES FOR SMALL BUSINESS OWNERS--ACCESS TO CAPITAL FOR ENTREPRENEURS (ACE) OFFERS COMPREHENSIVE SERVICES DESIGNED TO SUPPORT SMALL BUSINESS OWNERS IN ACHIEVING THEIR ENTREPRENEURIAL GOALS. FOCUSED ON POTENTIAL AND ESTABLISHED BORROWERS, THESE SERVICES ARE INTEGRAL TO ACE'S MISSION OF HELPING SMALL BUSINESSES GROW BY REMOVING BARRIERS TO ACCESSING CAPITAL AND PROVIDING THE NECESSARY TOOLS FOR SUCCESS.KEY SMALL BUSINESS SUPPORT PROGRAMS OFFERED BY ACE INCLUDE:TRAINING AND WORKSHOPS:ACE HOSTS A RANGE OF TRAINING SESSIONS AND WORKSHOPS ON CRITICAL BUSINESS TOPICS, INCLUDING FINANCIAL LITERACY, BUSINESS DEVELOPMENT, MARKETING, AND OPERATIONAL EFFICIENCY. THESE SESSIONS ARE DESIGNED TO GIVE ENTREPRENEURS THE KNOWLEDGE AND SKILLS NEEDED TO MANAGE AND GROW THEIR BUSINESSES EFFECTIVELY.WEBINARS:TO INCREASE ACCESSIBILITY AND REACH A WIDER AUDIENCE, ACE OFFERS WEBINARS ON TIMELY AND RELEVANT BUSINESS TOPICS. THESE VIRTUAL SESSIONS ALLOW ENTREPRENEURS TO LEARN FROM SUBJECT MATTER EXPERTS AND ENGAGE IN DISCUSSIONS WITHOUT LEAVING THEIR HOME OR OFFICE.NETWORKING OPPORTUNITIES:ACE FACILITATES NETWORKING EVENTS THAT BRING ENTREPRENEURS TOGETHER TO SHARE EXPERIENCES, EXCHANGE IDEAS, AND LEARN FROM ONE ANOTHER. THESE OPPORTUNITIES FOSTER COLLABORATION, SUPPORT PEER LEARNING, AND HELP BUILD A STRONG COMMUNITY OF BUSINESS OWNERS.BY PROVIDING HIGH-TOUCH, PERSONALIZED SERVICES, ACE SEEKS TO ENSURE THAT ENTREPRENEURS HAVE ACCESS TO THE COACHING, TRAINING, AND CONNECTIONS THEY NEED TO SUCCEED.--BUSINESS ADVISORY SERVICES--ACE'S BUSINESS ADVISORY SERVICES MODEL IS WIDELY RECOGNIZED AS A LEADING PRACTICE WITHIN THE CDFI ECOSYSTEM, KNOWN FOR ITS CLIENT-CENTERED, DATA-INFORMED, AND IMPACT-DRIVEN APPROACH. AT THE CORE OF THE MODEL IS THE INTENTIONAL DEVELOPMENT OF STRONG PERSONAL RELATIONSHIPS WITH EACH SMALL BUSINESS IN ACE'S PORTFOLIO. THESE TRUSTED CONNECTIONS ENABLE ACE TO PROACTIVELY IDENTIFY AND ADDRESS CHALLENGES, OFTEN BEFORE CLIENTS RECOGNIZE THEM, WHILE TAILORING SUPPORT TO MEET EACH BUSINESS'S PACE, AVAILABIL
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IRS990/MissionDesc0SEE SCHEDULE OACCESS TO CAPITAL FOR ENTREPRENEURS, INC. (ACE), IS A NONPROFIT ORGANIZATION THAT PROVIDES LOANS TO START AND GROW BUSINESSES. ACE IS THE LARGEST GEORGIA-BASED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) FOCUSED ON SMALL BUSINESSES. FOUNDED IN 2000 WITH A $50,000 GRANT TO SERVE FOUR NORTH GEORGIA COUNTIES, ACE WAS CERTIFIED AS A CDFI IN 2004. ACE HAS SIGNIFICANTLY EXPANDED ITS REACH AND IMPACT OVER THE YEARS, WITH OFFICES IN ATLANTA, TIFTON SOUTHWEST GEORGIA)AND CLEVELAND (NORTH GEORGIA), ALONG WITH WOMEN'S BUSINESS CENTERS IN NORCROSS (METRO-ATLANTA) AND SAVANNAH. ACE'S MISSION IS TO HELP SMALL BUSINESSES GROW BY REMOVING BARRIERS TO ACCESSING CAPITAL. ACE OFFERS ITS BORROWERS BUSINESS DEVELOPMENT RESOURCES TO CREATE FINANCIALLY AND ENVIRONMENTALLY SUSTAINABLE BUSINESSES. SINCE ITS INCEPTION, ACE HAS PROVIDED OVER $246 MILLION IN LOANS TO 2,800 SMALL BUSINESSES, CREATING OR RETAINING MORE THAN 22,000 JOBS.
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