Civic Intelligence

Small Business Capital Corporation

EIN 73-1447364 • 501(c)4 • Tulsa, OK

Profile

Promote and administer the sba 504 loan program for small businesses throughout oklahoma.

8252 S Harvard Suite 150Tulsa, OK 74137-1646

www.sbcc-ok.com

Siviq Scores

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

Liabilities / Assets

84th percentile

0.22x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

86th percentile

0.24x

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

501(c)4 • <$500k nonprofits • Source year 2025

Net Margin

52nd percentile

2.4%

Higher net margin than 52% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Top Officer Pay

99th percentile

$133,064

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 38.6% of source-year revenue.

501(c)4 • <$500k nonprofits • Source year 2025

Asset Growth

63rd percentile

4.2%

Faster asset growth than 63% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

56th percentile

2.1%

Faster revenue growth than 56% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2024 to 2025

Assets

Up

$378,986

Up $25,842 (+7.3%) from 2023

Liabilities

Up

$83,049

Up $13,877 (+20%) from 2023

Net Assets

Up

$295,937

Up $11,965 (+4.2%) from 2023

Revenue

Up

$344,829

Up $13,274 (+4.0%) from 2023

Expenses

Up

$336,401

Up $2,844 (+0.9%) from 2023

Net Income

Up

$8,428

Up $10,430 (+521%) from 2023

Trend Graphs

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2010: $202,059Liabilities 2010: $8,123Net Assets 2010: $193,9362010Assets 2011: $211,487Liabilities 2011: $16,700Net Assets 2011: $194,7872011Assets 2012: $304,303Liabilities 2012: $48,911Net Assets 2012: $255,3922012Assets 2013: $352,561Liabilities 2013: $96,197Net Assets 2013: $256,3642013Assets 2014: $304,497Liabilities 2014: $96,267Net Assets 2014: $208,2302014Assets 2015: $356,883Liabilities 2015: $118,267Net Assets 2015: $238,6162015Assets 2016: $254,441Liabilities 2016: $88,452Net Assets 2016: $165,9892016Assets 2017: $231,140Liabilities 2017: $78,148Net Assets 2017: $152,9922017Assets 2018: $136,188Liabilities 2018: $21,283Net Assets 2018: $114,9052018Assets 2019: $235,556Liabilities 2019: $40,461Net Assets 2019: $195,0952019Assets 2020: $301,259Liabilities 2020: $60,460Net Assets 2020: $240,7992020Assets 2021: $407,544Liabilities 2021: $102,702Net Assets 2021: $304,8422021Assets 2022: $360,944Liabilities 2022: $74,970Net Assets 2022: $285,9742022Assets 2023: $353,144Liabilities 2023: $69,172Net Assets 2023: $283,9722023Assets 2025: $378,986Liabilities 2025: $83,049Net Assets 2025: $295,9372025

Highlighted filing

2025

Assets$378,986
Liabilities$83,049
Net Assets$295,937

Operations Trend

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

$600K$400K$200K$0-$200KRevenue 2010: $353,042Expenses 2010: $386,664Net Income 2010: -$33,6222010Revenue 2011: $363,480Expenses 2011: $362,627Net Income 2011: $8532011Expenses 2012: $376,9382012Expenses 2013: $445,6322013Revenue 2014: $372,679Expenses 2014: $420,813Net Income 2014: -$48,1342014Revenue 2015: $477,582Expenses 2015: $447,196Net Income 2015: $30,3862015Revenue 2016: $362,326Expenses 2016: $434,953Net Income 2016: -$72,6272016Revenue 2017: $377,686Expenses 2017: $390,683Net Income 2017: -$12,9972017Revenue 2018: $300,904Expenses 2018: $338,991Net Income 2018: -$38,0872018Revenue 2019: $383,252Expenses 2019: $303,062Net Income 2019: $80,1902019Revenue 2020: $326,802Expenses 2020: $281,098Net Income 2020: $45,7042020Revenue 2021: $367,395Expenses 2021: $303,352Net Income 2021: $64,0432021Revenue 2022: $280,630Expenses 2022: $299,498Net Income 2022: -$18,8682022Revenue 2023: $331,555Expenses 2023: $333,557Net Income 2023: -$2,0022023Revenue 2025: $344,829Expenses 2025: $336,401Net Income 2025: $8,4282025

Highlighted filing

2025

Revenue$344,829
Expenses$336,401
Net Income$8,428

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.79$0.83$2.96$3.45$3.36$0.08
2023Summary only. Only limited summary data is available for this year.$3.53$0.69$2.84$3.32$3.34$0.02
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.61$0.75$2.86$2.81$2.99$0.19
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.08$1.03$3.05$3.67$3.03$0.64
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.01$0.60$2.41$3.27$2.81$0.46
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.36$0.40$1.95$3.83$3.03$0.80
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.36$0.21$1.15$3.01$3.39$0.38
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.31$0.78$1.53$3.78$3.91$0.13
2016Detailed filing. Detailed filing data is available for this year.$2.54$0.88$1.66$3.62$4.35$0.73
2015Detailed filing. Detailed filing data is available for this year.$3.57$1.18$2.39$4.78$4.47$0.30
2014Detailed filing. Detailed filing data is available for this year.$3.04$0.96$2.08$3.73$4.21$0.48
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.53$0.96$2.56$4.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.04$0.49$2.55$3.77
2011Summary only. Only limited summary data is available for this year.$2.11$0.17$1.95$3.63$3.63$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.02$0.08$1.94$3.53$3.87$0.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Jan 19, 2026
Return Version
2024v5.0
Gross Receipts
$344,829
Mission and Program Overview

Mission

Promote and administer the sba 504 loan program for small businesses throughout oklahoma.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$248,901$249,128▲ $227
Accounts Receivable$81,668$111,590▲ $29,922
Land, Buildings, and Equipment, Net$11,045$8,269▼ $2,776
Prepaid Expenses and Deferred Charges$4,600$4,619▲ $19
Cash and Non-Interest-Bearing Accounts$16,171$4,032▼ $12,139
Total Assets$363,733$378,986▲ $15,253
Other Assets Total$1,348$1,348→ $0
Liabilities
Other Liabilities$73,080$81,125▲ $8,045
Accounts Payable and Accrued Expenses$3,144$1,924▼ $1,220
Total Liabilities$76,224$83,049▲ $6,825
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$287,509$295,937▲ $8,428
Total Net Assets Fund Balance$287,509$295,937▲ $8,428
Total Liabilities and Net Assets / Fund Balance$363,733$378,986▲ $15,253

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$8,214-
Equipment$8,269$24,649-
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Judy a RoachPresident &FT$125,000$8,064$133,064
Jennifer ReaganVP/executiveFT$100,000$5,596$105,596

Board Members and Trustees

NameTitle
Paul C BaumanChairman
Nicholas M JonesVice Chairma
Edward L SimpsonBoard Member
Ralph T CunninghamBoard Member
Rusty LinkerBoard Member
Virginia C SchulteVP/asst. Sec
Patricia R LeveringVP/sec./trea
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$262,681
Investment Income
$82,148
Other Revenue
$0
Change in Net Assets
$8,428

Audited Revenue Reconciliation

Revenue per Audited Statements
$344,829
Total Revenue per Audited Statements
$344,829
Total Revenue per Form 990
$344,829
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$256,126
Other Expenses$80,275
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$211,747$26,913-$238,660
Payroll Taxes$15,528$1,938-$17,466
All Other Expenses$15,538$1,272-$16,810
Occupancy$14,556$1,617-$16,173
Fees for Services Accounting$8,497$2,124-$10,621
Insurance$5,348$1,337-$6,685
Other Expenses$3,989$997-$4,986
Depreciation Depletion$1,388$1,388-$2,776
Travel$160--$160
Office Expenses$136$15-$151
Total Functional Expenses$298,283$38,118$0$336,401

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$336,401
Total Expenses per Audited Statements$336,401
Total Expenses per Form 990$336,401
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 Bonus & Taxes$43,625
Application Deposits$37,500
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Page 6, Part VI, Line 11B

The 990 is reviewed with the board of directors at a board meeting.

Form 990, Page 6, Part VI, Line 12C

The board members and staff are required to complete a conflict of interest form annually for review by the organization's president and board of directors.

Form 990, Page 6, Part VI, Line 15A

The board determines the president's salary. They consider survey data from an association of like organizations in determining the appropriate level of compensation.

Form 990, Page 6, Part VI, Line 15B

The board determines the other officers- and key employees' salaries.

Form 990, Page 6, Part VI, Line 19

These records are not made available to the public.

Filing and Contact Details

Filer

Filer Name
Small Business Capital Corporation
EIN
73-1447364
Phone
9185843638
Address
8252 S HARVARD SUITE 150, TULSA, OK 74137-1646

Signing Officer

Name
Judy a Roach
Title
President & CEO
Phone
9185843638
Signed
2026-01-19

Organization Details

Principal Officer
Judy a Roach
Formed
1992
Legal Domicile
Ok
Voting Board Members
8
Independent Board Members
7
Employees
2
Volunteers
7

Preparer

Firm
Briscoe Burke & Grigsby Llp
Address
4120 E 51ST STREET, TULSA, OK 74135-3639
Preparer
Michael K Burke CPA
Phone
9187498337
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

The corporation is a not-for-profit organization that is exempt from federal income taxes under section 501(a) of the internal revenue code. The corporation has been classified as an organization that is not a private foundation under section 501(c)(4).

Raw XML Appendix361 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.

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IRS990/ProgramServiceRevenueGrp/Desc3APPLICATION DEP RETENTION
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt149339
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28023
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt35000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0200319
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt149339
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28023
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35000
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt080009
IRS990/PYOtherExpensesAmt083503
IRS990/PYProgramServiceRevenueAmt0257631
IRS990/PYRevenuesLessExpensesAmt03537
IRS990/PYSalariesCompEmpBnftPaidAmt0250600
IRS990/PYTotalExpensesAmt0334103
IRS990/PYTotalRevenueAmt0337640
IRS990/ReconcilationRevenueExpnssAmt08428
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0262681
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0248901
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0249128
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt08269
IRS990ScheduleD/EquipmentGrp/DepreciationAmt024649
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt032918
IRS990ScheduleD/ExpensesSubtotalAmt0336401
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt08214
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt08214
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt043625
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt137500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED BONUS & TAXES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1APPLICATION DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt0344829
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CORPORATION IS A NOT-FOR-PROFIT ORGANIZATION THAT IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(A) OF THE INTERNAL REVENUE CODE. THE CORPORATION HAS BEEN CLASSIFIED AS AN ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION UNDER SECTION 501(C)(4).
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08269
IRS990ScheduleD/TotalExpensesPerForm990Amt0336401
IRS990ScheduleD/TotalLiabilityAmt081125
IRS990ScheduleD/TotalRevenuePerForm990Amt0344829
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0344829
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0336401
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 990 IS REVIEWED WITH THE BOARD OF DIRECTORS AT A BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD MEMBERS AND STAFF ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST FORM ANNUALLY FOR REVIEW BY THE ORGANIZATION'S PRESIDENT AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD DETERMINES THE PRESIDENT'S SALARY. THEY CONSIDER SURVEY DATA FROM AN ASSOCIATION OF LIKE ORGANIZATIONS IN DETERMINING THE APPROPRIATE LEVEL OF COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD DETERMINES THE OTHER OFFICERS- AND KEY EMPLOYEES' SALARIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THESE RECORDS ARE NOT MADE AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0OK
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0363733
IRS990/TotalAssetsEOYAmt0378986
IRS990/TotalAssetsGrp/BOYAmt0363733
IRS990/TotalAssetsGrp/EOYAmt0378986
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt038118
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0298283
IRS990/TotalFunctionalExpensesGrp/TotalAmt0336401
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt076224
IRS990/TotalLiabilitiesEOYAmt083049
IRS990/TotalLiabilitiesGrp/BOYAmt076224
IRS990/TotalLiabilitiesGrp/EOYAmt083049
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0287509
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0295937
IRS990/TotalOtherCompensationAmt013660
IRS990/TotalProgramServiceExpensesAmt0298283
IRS990/TotalProgramServiceRevenueAmt0262681
IRS990/TotalReportableCompFromOrgAmt0225000
IRS990/TotalRevenueGrp/ExclusionAmt082148
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0262681
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0344829
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0363733
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0378986
IRS990/TravelGrp/ProgramServicesAmt0160
IRS990/TravelGrp/TotalAmt0160
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08252 S HARVARD SUITE 150
IRS990/USAddress/CityNm0TULSA
IRS990/USAddress/StateAbbreviationCd0OK
IRS990/USAddress/ZIPCd0741371646
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SBCC-OK.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JUDY A ROACH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09185843638
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SMALL BUSINESS CAPITAL CORPORATION
ReturnHeader/Filer/BusinessNameControlTxt0SMAL
ReturnHeader/Filer/EIN0731447364
ReturnHeader/Filer/PhoneNum09185843638
ReturnHeader/Filer/USAddress/AddressLine1Txt08252 S HARVARD SUITE 150
ReturnHeader/Filer/USAddress/CityNm0TULSA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OK
ReturnHeader/Filer/USAddress/ZIPCd0741371646
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0731293012
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRISCOE BURKE & GRIGSBY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04120 E 51ST STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TULSA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0741353639
ReturnHeader/PreparerPersonGrp/PhoneNum09187498337
ReturnHeader/PreparerPersonGrp/PreparationDt02026-01-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL K BURKE CPA
ReturnHeader/ReturnTs02026-01-20T10:34:43-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-10-01
ReturnHeader/TaxPeriodEndDt02025-09-30
ReturnHeader/TaxYr02024

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