Civic Intelligence

Pay Grace Forward

EIN 83-0676317 • 501(c)3 • Columbia, TN

101 Unity LaneColumbia, TN 38401
Siviq Scores

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

Liabilities / Assets

60th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

29th percentile

-11%

Higher net margin than 29% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

91st percentile

$37,992

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 66.9% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

$21,792

No earlier filing loaded for comparison.

Liabilities

$0

No earlier filing loaded for comparison.

Net Assets

$21,792

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue62nd percentileNet Margin29th percentile

Revenue

$56,780

No earlier filing loaded for comparison.

Expenses

$63,172

No earlier filing loaded for comparison.

Net Income

-$6,392

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$30K$20K$10K$0Assets 2024: $21,792Liabilities 2024: $0Net Assets 2024: $21,7922024

Highlighted filing

2024

Assets$21,792
Liabilities$0
Net Assets$21,792
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80K$60K$40K$20K$0-$20KRevenue 2024: $56,780Expenses 2024: $63,172Net Income 2024: -$6,3922024

Highlighted filing

2024

Revenue$56,780
Expenses$63,172
Net Income-$6,392
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$21,792
Liabilities
$0
Net assets
$21,792
Revenue
$56,780
Expenses
$63,172
Net income
-$6,392
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$21.8$0.00$21.8$56.8$63.2$6.39
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 10, 2025
Return Version
2024v5.2
Gross Receipts
$56,780
Mission and Program Overview

Mission

See Schedule O

Program Services

DescriptionGrantsExpenses
47 families served through Grace loans, budgeting and mentoring. $16,550 was the amount of payday loans paid in 2024. 33 Mentors were used in 2024.-$0
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Nick KeyExecutive DirectorFT$37,992-$37,992
Greg MartinBoard Chairman-$0--
Marcus HoustonTreasurer-$0--
Hudson SmithSecretary-$0--
Filing and Contact Details

Filer

Filer Name
Pay Grace Forward
EIN
83-0676317
In Care Of
% Nick Key
Phone
9315486797
Address
101 Unity Lane, Columbia, TN 38401

Signing Officer

Name
Nick Key
Title
Executive Director
Phone
9315486797
Signed
2025-09-10
Discuss with paid preparer
No

Preparer

Firm
Cook and Plunk CPAs
Address
PO Box 2073, Spring Hill, TN 37174
Preparer
Rachel Cook
Phone
9312699380
Supplemental Narrative

Additional Explanations

Description of other expenses Part I line 16

“Description AmountOffice Supplies 1,531Web Maintenance 269”

General explanation attachment

“Primary Exempt Purpose: Pay Grace Forward in a nonprofit organization that operates within the confines of Maury County. We seek to help our neighbors who are in financial distress due to excessive fees from payday and title loan companies. We provide financial literacy education via mentoring, followed by low interest debt consolidation grace loans to pay off the excessive payday lenders.”

Raw XML Appendix152 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Primary Exempt Purpose: Pay Grace Forward in a nonprofit organization that operates within the confines of Maury County. We seek to help our neighbors who are in financial distress due to excessive fees from payday and title loan companies. We provide financial literacy education via mentoring, followed by low interest debt consolidation grace loans to pay off the excessive payday lenders.
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