Liabilities / Assets
48th percentile
Higher debt load relative to assets than 48% of similar nonprofits.
EIN 63-0866023 • 501(c)3 • Mountain Brook, AL
Profile
The organization's mission is to promote small business growth and development by assisting them with obtaining the financing they need in order to achieve that growth and development including job creation.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
48th percentile
Higher debt load relative to assets than 48% of similar nonprofits.
Liabilities / Revenue
70th percentile
Higher debt load relative to revenue than 70% of similar nonprofits.
Net Margin
55th percentile
Higher net margin than 55% of similar nonprofits.
Top Officer Pay
71st percentile
Higher top officer pay than 71% of similar nonprofits.
Top officer pay equals 12.0% of source-year revenue.
Asset Growth
48th percentile
Faster asset growth than 48% of similar nonprofits.
Revenue Growth
48th percentile
Faster revenue growth than 48% of similar nonprofits.
Assets
Up$5,365,921
Up $226,820 (+4.4%) from 2023
Liabilities
Up$546,873
Up $113,554 (+26%) from 2023
Net Assets
Up$4,819,048
Up $113,266 (+2.4%) from 2023
Revenue
Up$1,494,206
Up $109,911 (+7.9%) from 2023
Expenses
Up$1,380,940
Up $74,951 (+5.7%) from 2023
Net Income
Up$113,266
Up $34,960 (+45%) from 2023
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
The organization's mission is to promote small business growth and development by assisting them with obtaining the financing they need in order to achieve that growth and development including job creation.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $2,059,074 | $2,495,928 | ▲ $436,854 |
| Other Notes and Loans Receivable, Net | $2,372,660 | $2,229,182 | ▼ $143,478 |
| Accounts Receivable | $442,578 | $370,747 | ▼ $71,831 |
| Land, Buildings, and Equipment, Net | $66,508 | $52,058 | ▼ $14,450 |
| Prepaid Expenses and Deferred Charges | $18,043 | $20,118 | ▲ $2,075 |
| Cash and Non-Interest-Bearing Accounts | $29 | $79 | ▲ $50 |
| Total Assets | $5,139,101 | $5,365,921 | ▲ $226,820 |
| Other Assets Total | $180,209 | $197,809 | ▲ $17,600 |
| Liabilities | |||
| Other Liabilities | $323,263 | $337,282 | ▲ $14,019 |
| Accounts Payable and Accrued Expenses | $110,056 | $209,591 | ▲ $99,535 |
| Deferred Revenue | - | $0 | - |
| Total Liabilities | $433,319 | $546,873 | ▲ $113,554 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $3,619,782 | $3,819,048 | ▲ $199,266 |
| Net Assets With Donor Restrictions | $1,086,000 | $1,000,000 | ▼ $86,000 |
| Total Net Assets Fund Balance | $4,705,782 | $4,819,048 | ▲ $113,266 |
| Total Liabilities and Net Assets / Fund Balance | $5,139,101 | $5,365,921 | ▲ $226,820 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Land | $48,600 | - | $48,600 |
| Equipment | $3,458 | $7,086 | $10,544 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Yolanda Merriweather | President and Executive Director | FT | $181,413 | $8,624 | $190,037 |
| Name | Title |
|---|---|
| David Mathis | Board Chair |
| Charles Eddy | Vice President |
| Mark Chambers | Vice President |
| Demarco Mcclain | Board Member |
| Jim Searcy | Board Member |
| Jo Karen Parr | Board Member |
| John Knight | Board Member |
| Lee Adcox | Board Member |
| Patrick Hamner | Board Member |
| Spencer Wiggins | Board Member |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $847,248 |
| Other Expenses | $533,692 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $434,619 | $155,631 | - | $590,250 |
| Current Officers, Directors, Trustees, and Key Employees | $135,152 | $46,261 | - | $181,413 |
| Fees for Services Other | $52,425 | $76,513 | - | $128,938 |
| Insurance | $9,552 | $67,793 | - | $77,345 |
| Occupancy | $61,821 | - | - | $61,821 |
| Payroll Taxes | $42,887 | $8,062 | - | $50,949 |
| Travel | $36,471 | $6,035 | - | $42,506 |
| Fees for Services Accounting | $11,359 | $18,171 | - | $29,530 |
| Conferences and Meetings | $18,080 | $6,750 | - | $24,830 |
| All Other Expenses | $20,398 | $4,399 | - | $24,797 |
| Pension Plan Contributions | $23,675 | $961 | - | $24,636 |
| Advertising | $16,837 | - | - | $16,837 |
| Office Expenses | $4,667 | $6,903 | - | $11,570 |
| Other Expenses | $12,027 | $10,000 | - | $10,000 |
| Depreciation Depletion | - | $4,450 | - | $4,450 |
| Total Functional Expenses | $919,011 | $461,929 | $0 | $1,380,940 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,380,940 |
| Total Expenses per Audited Statements | $1,380,940 |
| Total Expenses per Form 990 | $1,380,940 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Refundable Deposits | $268,350 |
| Rou Liability | $68,932 |
“The organization's form 990 and related schedules are prepared by an outside accounting firm and reviewed and approved by the organization's president and ceo and its executive director. Once those reviews are complete, the members of the board of directors are provided a complete copy for their review prior to filing with the internal revenue service.”
“Regular monitoring of the organization's conflict of interest policy is performed by its president and ceo. Enforcement of compliance rests with the organization's board of directors.”
“In determining the compensation packages for the ceo and staff, the executive compensation committee, comprised of members of the organization's board of directors may rely on reviews of irs form 990 filings for similar sized organizations, compensation survey reports prepared by independent consultants, or other such reports that might be available from the national association of development companies. Additionally, compensation is commensurate with each employees specific duties and responsibilities as outlined in the organizations internal control policy. Compensation is considered reasonable and customary for this organizations area of concern.”
“Regular monitoring of the organization's conflict of interest policy is performed by its president and ceo. Enforcement of compliance rests with the organiztion's board of directors.”
“The council files a copy of its form 990 and related schedules with the appropriate governmental regulatory bodies where it becomes available for public inspection. The council also files an annual report with the u.s. Small business administration (sba) detailing its activities including providing the sba with copies of its form 990, the minutes of the meetings of its board of directors, and a copy of the council's annual audited financial statements.”
“The organization is a nonprofit organization that is exempt from income taxes under section 501(c)(3) of the internal revenue code. Unrelated business income, of which the organization had none during the year ended september 30, 2024, would be subject to federal income taxes. Consequently, the accompanying financial statements do not reflect any provision for income taxes.”
“The organization is a nonprofit organization that is exempt from income taxes under section 501(c) (3) of the internal revenue code. Unrelated business income, of which the organization had none during the year ended september 30, 2024, would be subject to federal income taxes. Consequently, the accompanying financial statements do not reflect any provision for income taxes.”
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/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 209591 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 442578 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 370747 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE ORGANIZATION'S MISSION IS TO PROMOTE SMALL BUSINESS GROWTH AND DEVELOPMENT BY ASSISTING THEM WITH OBTAINING THE FINANCING THEY NEED IN ORDER TO ACHIEVE THAT GROWTH AND DEVELOPMENT INCLUDING JOB CREATION. |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 16837 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 16837 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 4399 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 20398 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 24797 |
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| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | YOLANDA MERRIWEATHER |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3342441801 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 200 OFFICE PARK DRIVE SUITE 338 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | MOUNTAIN BROOK |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | AL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 35223 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 29 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 79 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 46261 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 135152 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 181413 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 6750 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 18080 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 24830 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
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| IRS990/CYContributionsGrantsAmt | 0 | 0 |
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| IRS990/CYInvestmentIncomeAmt | 0 | 87246 |
| IRS990/CYOtherExpensesAmt | 0 | 533692 |
| IRS990/CYOtherRevenueAmt | 0 | 6282 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1400678 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 113266 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 847248 |
| IRS990/CYTotalExpensesAmt | 0 | 1380940 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1494206 |
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| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 4450 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 4450 |
| IRS990/Desc | 0 | THE ORGANIZATION ASSISTS SMALL BUSINESSES IN OBTAINING FINANCING USING LOAN PROGRAMS OFFERED BY THE US SMALL BUSINESS ADMINISTRATION COMMONLY REFERRED TO AS THE SBA. THE ORGANIZATION ORIGINATES AND SUBSEQUENTLY SERVICES LOANS FOR THE SBA UNDER THEIR 504 PROGRAMS. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRestrictionNetAssetsGrp/BOYAmt | 0 | 1086000 |
| IRS990/DonorRestrictionNetAssetsGrp/EOYAmt | 0 | 1000000 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 10 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 703946 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 18171 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 11359 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 29530 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 76513 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 52425 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 128938 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
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| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MARK CHAMBERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | CHARLES EDDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | LEE ADCOX |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | PATRICK HAMNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JOHN KNIGHT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DEMARCO MCCLAIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JO KAREN PARR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JIM SEARCY |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | YOLANDA MERRIWEATHER |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT AND EXECUTIVE DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1983 |
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| IRS990/FSAuditedInd | 0 | 1 |
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| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
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| IRS990/GrantsToOrganizationsInd | 0 | 0 |
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| IRS990/GrossReceiptsAmt | 0 | 1494206 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
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| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 67793 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 9552 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 77345 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 87246 |
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| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 59144 |
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| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE ORGANIZATION'S MISSION IS TO PROMOTE SMALL BUSINESS GROWTH AND DEVELOPMENT BY ASSISTING THEM WITH OBTAINING THE FINANCING THEY NEED IN ORDER TO ACHIEVE THAT GROWTH AND DEVELOPMENT INCLUDING JOB CREATION. |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4819048 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 3619782 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 3819048 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 61821 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 61821 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 6903 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 4667 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 11570 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 180209 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 197809 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | ECONOMIC REINVESTMENT F |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN LOSS PROVISION |
| IRS990/OtherExpensesGrp/Desc | 2 | REFERRAL FEES |
| IRS990/OtherExpensesGrp/Desc | 3 | IMPAIRMENT |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 50000 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 10000 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 39041 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 12027 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 50000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 39041 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 12027 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 323263 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 337282 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6282 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 6282 |
| IRS990/OtherRevenueTotalAmt | 0 | 6282 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 155631 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 434619 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 590250 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 2372660 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 2229182 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 8062 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 42887 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 50949 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 961 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 23675 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 24636 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 18043 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 20118 |
| IRS990/PrincipalOfficerNm | 0 | YOLANDA MERRIWEATHER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522200 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522200 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522200 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522200 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522200 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN SERVICING FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | LOAN PACKAGING FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FLOAT INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | ECONOMIC REINVESTMENT |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 673629 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 326050 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 195319 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 155680 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 50000 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 673629 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 326050 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 195319 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 155680 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 50000 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | IN ADDITION TO THE SBA LOAN PROGRAMS, THE ORGANIZATION PROMOTES SMALL BUSINESS GROWTH AND DEVELOPMENT BY MAKING LOANS DIRECTLY TO SMALL BUSINESSES. UNDER CERTAIN CIRCUMSTANCES, THESE DIRECT LOANS ARE MADE IN CONJUNCTION WITH SBA LOANS AND ARE CONSIDERED "GAP" FINANCING. OTHER DIRECT LOANSARE MADE WHERE LOAN AMOUNTS NEEDED BY THE SMALL BUSINESSES ARE SMALLER OR SHORTER TERM OF WEHRE THE USE OF THE PROCEEDS IS MIXED (I.E. FIXED ASSET ACQUISITION OR WORKING CAPITAL) AND MAY NOT BE A CANDIDATE FOR THE SBA 504 PROGRAM. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 3374 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 215845 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | ONE OF THE ORGANIZATION'S PROGRAMS IS RELATED TO THE LOAN SERVICING PROCESS. THE ORGANIZATION RECEIVES MONTHLY SERVICING FEES ON ALL LOANS FUNDED BY THE SBA. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 211691 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 865065 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 46401 |
| IRS990/PYOtherExpensesAmt | 0 | 507984 |
| IRS990/PYOtherRevenueAmt | 0 | 43701 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1294193 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 78306 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 798005 |
| IRS990/PYTotalExpensesAmt | 0 | 1305989 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1384295 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 113266 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 326050 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2059074 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 2495928 |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 87246 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 46401 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 17631 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 44018 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 50973 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 246269 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 1400678 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 1294193 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1084831 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1336420 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1310952 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 6427074 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 87246 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 46401 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 17631 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 44018 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 50973 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 246269 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.03580 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.03890 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt | 0 | 6282 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 43701 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 3931 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 15563 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 137872 |
| IRS990ScheduleA/OtherIncome509Grp/TotalAmt | 0 | 207349 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.93410 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.93050 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 6427074 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 1400678 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 1294193 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 1084831 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1336420 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1310952 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 6427074 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 1494206 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 1384295 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1106393 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 1396001 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 1499797 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 6880692 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 3458 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 7086 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 10544 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1380940 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 48600 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 48600 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 268350 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 68932 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | REFUNDABLE DEPOSITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ROU LIABILITY |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1494206 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION IS A NONPROFIT ORGANIZATION THAT IS EXEMPT FROM INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. UNRELATED BUSINESS INCOME, OF WHICH THE ORGANIZATION HAD NONE DURING THE YEAR ENDED SEPTEMBER 30, 2024, WOULD BE SUBJECT TO FEDERAL INCOME TAXES. CONSEQUENTLY, THE ACCOMPANYING FINANCIAL STATEMENTS DO NOT REFLECT ANY PROVISION FOR INCOME TAXES. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION IS A NONPROFIT ORGANIZATION THAT IS EXEMPT FROM INCOME TAXES UNDER SECTION 501(C) (3) OF THE INTERNAL REVENUE CODE. UNRELATED BUSINESS INCOME, OF WHICH THE ORGANIZATION HAD NONE DURING THE YEAR ENDED SEPTEMBER 30, 2024, WOULD BE SUBJECT TO FEDERAL INCOME TAXES. CONSEQUENTLY, THE ACCOMPANYING FINANCIAL STATEMENTS DO NOT REFLECT ANY PROVISION FOR INCOME TAXES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART X, LINE 2 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 52058 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1380940 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 337282 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1494206 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1494206 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1380940 |
| IRS990ScheduleJ/AnyNonFixedPaymentsInd | 0 | 0 |
| IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd | 0 | 0 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/InitialContractExceptionInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 181413 |
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