Civic Intelligence

Black Business Investment Fund Inc

EIN 59-2861155 • 501(c)4 • Orlando, FL

Profile

The mission is to develop and promote Black business enterprises through education, training, loans, investments, and other activities and aggressively promote an atmosphere conducive to their development.

301 East Pine StreetOrlando, FL 32801

bbifflorida.com

Siviq Scores

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

Liabilities / Assets

86th percentile

0.72x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)4 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

5.13x

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

501(c)4 • $50M-$100M nonprofits • Source year 2024

Net Margin

17th percentile

-14%

Higher net margin than 17% of similar nonprofits.

501(c)4 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

74th percentile

$451,106

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

501(c)4 • $50M-$100M nonprofits • Source year 2024

Asset Growth

66th percentile

9.0%

Faster asset growth than 66% of similar nonprofits.

501(c)4 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

11th percentile

-22%

Faster revenue growth than 11% of similar nonprofits.

501(c)4 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$55,937,341

Up $4,598,402 (+9.0%) from 2023

Liabilities

Up

$40,170,559

Up $5,660,157 (+16%) from 2023

Net Assets

Down

$15,766,782

Down $1,061,755 (-6.3%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin17th percentile

Revenue

Down

$7,834,761

Down $2,194,828 (-22%) from 2023

Expenses

Up

$8,896,516

Up $2,855,842 (+47%) from 2023

Net Income

Down

-$1,061,755

Down $5,050,670 (-127%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

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

$60M$40M$20M$0Assets 2010: $12,233,068Liabilities 2010: $9,246,069Net Assets 2010: $2,986,9992010Assets 2011: $11,506,449Liabilities 2011: $8,281,203Net Assets 2011: $3,225,2462011Assets 2012: $10,313,816Liabilities 2012: $6,707,118Net Assets 2012: $3,606,6982012Assets 2013: $7,947,046Liabilities 2013: $4,300,607Net Assets 2013: $3,646,4392013Assets 2014: $8,673,692Liabilities 2014: $7,433,568Net Assets 2014: $1,240,1242014Assets 2015: $6,887,608Liabilities 2015: $5,303,813Net Assets 2015: $1,583,7952015Assets 2016: $4,675,108Liabilities 2016: $2,755,283Net Assets 2016: $1,919,8252016Assets 2017: $4,936,708Liabilities 2017: $2,970,793Net Assets 2017: $1,965,9152017Assets 2018: $6,084,837Liabilities 2018: $3,390,456Net Assets 2018: $2,694,3812018Assets 2019: $8,446,633Liabilities 2019: $5,205,309Net Assets 2019: $3,241,3242019Assets 2020: $15,995,199Liabilities 2020: $11,595,777Net Assets 2020: $4,399,4222020Assets 2021: $36,658,367Liabilities 2021: $25,068,006Net Assets 2021: $11,590,3612021Assets 2022: $34,553,467Liabilities 2022: $21,713,845Net Assets 2022: $12,839,6222022Assets 2023: $51,338,939Liabilities 2023: $34,510,402Net Assets 2023: $16,828,5372023Assets 2024: $55,937,341Liabilities 2024: $40,170,559Net Assets 2024: $15,766,7822024

Highlighted filing

2024

Assets$55,937,341
Liabilities$40,170,559
Net Assets$15,766,782
Open 2024 Filing

Operations Trend

Revenue Growth11th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $673,7382010Expenses 2011: $991,8152011Expenses 2012: $833,8392012Expenses 2013: $1,112,9872013Revenue 2014: $1,216,558Expenses 2014: $3,622,873Net Income 2014: -$2,406,3152014Revenue 2015: $1,634,211Expenses 2015: $1,290,540Net Income 2015: $343,6712015Revenue 2016: $2,105,966Expenses 2016: $1,598,036Net Income 2016: $507,9302016Revenue 2017: $1,592,527Expenses 2017: $1,546,437Net Income 2017: $46,0902017Revenue 2018: $2,715,252Expenses 2018: $1,986,786Net Income 2018: $728,4662018Revenue 2019: $2,988,676Expenses 2019: $2,441,733Net Income 2019: $546,9432019Revenue 2020: $3,994,375Expenses 2020: $2,836,277Net Income 2020: $1,158,0982020Revenue 2021: $11,605,292Expenses 2021: $4,414,353Net Income 2021: $7,190,9392021Revenue 2022: $5,545,494Expenses 2022: $4,296,233Net Income 2022: $1,249,2612022Revenue 2023: $10,029,589Expenses 2023: $6,040,674Net Income 2023: $3,988,9152023Revenue 2024: $7,834,761Expenses 2024: $8,896,516Net Income 2024: -$1,061,7552024

Highlighted filing

2024

Revenue$7,834,761
Expenses$8,896,516
Net Income-$1,061,755
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$55,937,341
Liabilities
$40,170,559
Net assets
$15,766,782
Revenue
$7,834,761
Expenses
$8,896,516
Net income
-$1,061,755
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$55.9$40.2$15.8$7.83$8.90$1.06
2023Detailed filing. Detailed filing data is available for this year.$51.3$34.5$16.8$10.0$6.04$3.99
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.6$21.7$12.8$5.55$4.30$1.25
2021Detailed filing. Detailed filing data is available for this year.$36.7$25.1$11.6$11.6$4.41$7.19
2020Detailed filing. Detailed filing data is available for this year.$16.0$11.6$4.40$3.99$2.84$1.16
2019Detailed filing. Detailed filing data is available for this year.$8.45$5.21$3.24$2.99$2.44$0.55
2018Detailed filing. Detailed filing data is available for this year.$6.08$3.39$2.69$2.72$1.99$0.73
2017Detailed filing. Detailed filing data is available for this year.$4.94$2.97$1.97$1.59$1.55$0.05
2016Detailed filing. Detailed filing data is available for this year.$4.68$2.76$1.92$2.11$1.60$0.51
2015Detailed filing. Detailed filing data is available for this year.$6.89$5.30$1.58$1.63$1.29$0.34
2014Detailed filing. Detailed filing data is available for this year.$8.67$7.43$1.24$1.22$3.62$2.41
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.95$4.30$3.65$1.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$6.71$3.61$0.83
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$8.28$3.23$0.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.2$9.25$2.99$0.67
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Apr 30, 2025
Return Version
2023v6.0
Gross Receipts
$7,834,761
Mission and Program Overview

Mission

The mission is to develop and promote

The mission is to develop and promote Black business enterprises through education, training, loans, investments, and other activities and aggressively promote an atmosphere conducive to their development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$23,219,206$24,654,146▲ $1,434,940
Other Notes and Loans Receivable, Net$17,206,129$20,637,598▲ $3,431,469
Land, Buildings, and Equipment, Net$7,716,105$8,112,652▲ $396,547
Investments Program Related$2,621,673$347,588▼ $2,274,085
Prepaid Expenses and Deferred Charges$33,240$95,049▲ $61,809
Accounts Receivable$43,548$21,789▼ $21,759
Total Assets$51,338,939$55,937,341▲ $4,598,402
Other Assets Total$499,038$2,068,519▲ $1,569,481
Liabilities
Unsecured Notes Loans Payable$29,403,863$32,047,055▲ $2,643,192
Mortgage Notes Payable Secured by Investment Property$4,155,251$6,981,735▲ $2,826,484
Other Liabilities$314,149$587,840▲ $273,691
Deferred Revenue$566,707$469,985▼ $96,722
Accounts Payable and Accrued Expenses$70,432$83,944▲ $13,512
Total Liabilities$34,510,402$40,170,559▲ $5,660,157
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$15,607,530$15,766,782▲ $159,252
Net Assets With Donor Restrictions$1,221,007$0▼ $1,221,007
Total Net Assets Fund Balance$16,828,537$15,766,782▼ $1,061,755
Total Liabilities and Net Assets / Fund Balance$51,338,939$55,937,341▲ $4,598,402

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,345,357$289,249$4,634,606
Land$3,705,216-$3,705,216
Other Land Buildings$14,704$146,154$160,858
Equipment$46,225$88,185$134,410
Leasehold Improvements$1,150$554$1,704
Investment Program Related Org$347,588--
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Inez LongFormer President/CEOFT$451,106$451,106
Duane LewisChief Operating OfficerFT$230,599$230,599
Oraine ReedVP FinanceFT$203,726$203,726
Jasmine GebonV.p. Strategic InitiativesFT$185,547$185,547
Myrlande SimeonRegional DirectorFT$128,265$128,265
Donna DingleDirector of ComplianceFT$116,042$116,042

Board Members and Trustees

NameTitle
Jacqueline BarrChairperson
Marilyn DraytonVice Chair
Esther MarshallDirector
Duane Lewis-
Inez Long-
Jasmine Gebon-
Oraine Reed-
Joyce OdongoSecretary
Sabrina MartinelliTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,394,364
Program Service Revenue
$6,002,645
Investment Income
$437,752
Other Revenue
$0
All Other Contributions
$1,394,364
Change in Net Assets
$-1,061,755

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,834,761
Total Revenue per Audited Statements
$7,834,761
Total Revenue per Form 990
$7,834,761
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,965,820
Salaries, Compensation, and Employee Benefits$3,882,696
Grants and Similar Amounts Paid$48,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,544,827$272,616$0$1,817,443
Current Officers, Directors, Trustees, and Key Employees$1,029,885$181,744$0$1,211,629
Interest$593,242$104,690$0$697,932
Other Employee Benefits$451,367$79,652$0$531,019
Occupancy$144,549$222,748$0$367,297
Fees for Services Other$248,564$88,733$0$337,297
Office Expenses$210,353$73,950$0$284,303
Payroll Taxes$173,931$30,694$0$204,625
Conferences and Meetings$165,836$29,265$0$195,101
Fees for Services Accounting$132,138$59,500$0$191,638
Fees for Services Legal$34,870$127,396$0$162,266
Pension Plan Contributions$100,283$17,697$0$117,980
Depreciation Depletion$37,566$71,531$0$109,097
Travel$88,782$15,667$0$104,449
Advertising$0$94,063$0$94,063
Other Expenses$0$78,394$0$78,394
Grants to Domestic Orgs$48,000--$48,000
Insurance$27,429$4,841$0$32,270
All Other Expenses$2,418$0$0$2,418
Total Functional Expenses$7,335,371$1,561,145$0$8,896,516

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,896,516
Total Expenses per Audited Statements$8,896,516
Total Expenses per Form 990$8,896,516
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Liabilities$587,840
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
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
Filing and Contact Details

Filer

Filer Name
Black Business Investment Fund Inc
EIN
59-2861155
Phone
4076494780
Address
301 EAST PINE STREET, ORLANDO, FL 32801

Signing Officer

Name
Oraine S Reid
Title
Vice President Finance
Phone
4076494780
Signed
2025-04-30
Discuss with paid preparer
Yes

Organization Details

Formed
1987
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
28
Volunteers
0

Preparer

Firm
R Bright & Associates PA CPA
Address
924 N Magnolia Avenue Suite 306, Orlando, FL 32803
Preparer
Rudolph Bright CPA
Phone
4079990007
Supplemental Narrative

Additional Explanations

Pt VI, Line 12C

“The board monitors the policy through inquiry of board members and key employees.”

Pt VI, Line 19

“Policies and documents are made available to the public by written request.”

Pt VI, Line 11B

“The form 990 is reviewed by the executive director and vice president of finance.”

Pt VI, Line 6

“The organization was originally funded by members. The members shares can not be transferred.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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