Civic Intelligence

Dreamspring

990 • Fiscal year 2019 • EIN 85-0417347

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 22, 2020

Organization ProfileWWW.DREAMSPRING.ORG
2000 Zearing Avenue NWAlbuquerque, NM 87104

(505) 243-8844

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

83rd percentile

0.75x

Higher debt load relative to assets than 83% of similar nonprofits.

2019 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

91st percentile

4.00x

Higher debt load relative to revenue than 91% of similar nonprofits.

2019 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2019

Net Margin

8th percentile

-26%

Higher net margin than 8% of similar nonprofits.

2019 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2019

Asset Growth

7th percentile

-7.6%

Faster asset growth than 7% of similar nonprofits.

2019 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

14th percentile

-17%

Faster revenue growth than 14% of similar nonprofits.

2019 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Down

$51,851,931

Down $4,295,115 (-7.6%) from 2018

Net Assets

Down

$13,181,963

Down $2,195,649 (-14%) from 2018

Liabilities

Down

$38,669,968

Down $2,099,466 (-5.1%) from 2018

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin8th percentile

Revenue

Down

$9,666,881

Down $2,040,592 (-17%) from 2018

Expenses

Up

$12,190,987

Up $2,342,306 (+24%) from 2018

Net Income

Down

-$2,524,106

Down $4,382,898 (-236%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $15,731,671Liabilities 2010: $8,270,402Net Assets 2010: $7,461,2692010Assets 2011: $15,745,680Liabilities 2011: $8,178,864Net Assets 2011: $7,566,8162011Assets 2012: $17,398,525Liabilities 2012: $8,594,013Net Assets 2012: $8,804,5122012Assets 2013: $21,202,211Liabilities 2013: $13,154,456Net Assets 2013: $8,047,7552013Assets 2014: $28,912,372Liabilities 2014: $19,571,814Net Assets 2014: $9,340,5582014Assets 2015: $33,621,734Liabilities 2015: $22,490,714Net Assets 2015: $11,131,0202015Assets 2016: $45,026,211Liabilities 2016: $31,661,981Net Assets 2016: $13,364,2302016Assets 2017: $51,361,775Liabilities 2017: $37,757,084Net Assets 2017: $13,604,6912017Assets 2018: $56,147,046Liabilities 2018: $40,769,434Net Assets 2018: $15,377,6122018Assets 2019: $51,851,931Liabilities 2019: $38,669,968Net Assets 2019: $13,181,9632019Assets 2020: $92,025,236Liabilities 2020: $76,445,793Net Assets 2020: $15,579,4432020Assets 2021: $203,163,761Liabilities 2021: $171,176,439Net Assets 2021: $31,987,3222021Assets 2022: $95,789,629Liabilities 2022: $58,236,884Net Assets 2022: $37,552,7452022Assets 2023: $72,311,430Liabilities 2023: $47,631,443Net Assets 2023: $24,679,9872023Assets 2024: $69,204,204Liabilities 2024: $44,192,462Net Assets 2024: $25,011,7422024

Highlighted filing

2019

Assets$51,851,931
Liabilities$38,669,968
Net Assets$13,181,963
Open 2019 Filing

Operations Trend

Revenue Growth14th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0-$10MRevenue 2010: $3,225,669Expenses 2010: $3,223,050Net Income 2010: $2,6192010Revenue 2011: $2,777,972Expenses 2011: $2,676,127Net Income 2011: $101,8452011Expenses 2012: $2,936,2732012Revenue 2013: $4,174,082Expenses 2013: $3,210,424Net Income 2013: $963,6582013Revenue 2014: $5,609,383Expenses 2014: $4,154,828Net Income 2014: $1,454,5552014Revenue 2015: $7,409,366Expenses 2015: $5,642,478Net Income 2015: $1,766,8882015Revenue 2016: $9,015,993Expenses 2016: $6,925,469Net Income 2016: $2,090,5242016Revenue 2017: $8,329,686Expenses 2017: $8,277,592Net Income 2017: $52,0942017Revenue 2018: $11,707,473Expenses 2018: $9,848,681Net Income 2018: $1,858,7922018Revenue 2019: $9,666,881Expenses 2019: $12,190,987Net Income 2019: -$2,524,1062019Revenue 2020: $17,695,562Expenses 2020: $15,515,956Net Income 2020: $2,179,6062020Revenue 2021: $25,298,598Expenses 2021: $9,091,537Net Income 2021: $16,207,0612021Revenue 2022: $25,867,927Expenses 2022: $20,150,364Net Income 2022: $5,717,5632022Revenue 2023: $14,674,824Expenses 2023: $23,123,632Net Income 2023: -$8,448,8082023Revenue 2024: $14,527,292Expenses 2024: $14,283,162Net Income 2024: $244,1302024

Highlighted filing

2019

Revenue$9,666,881
Expenses$12,190,987
Net Income-$2,524,106
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 22, 2020
Return Version
2019v5.1
Gross Receipts
$10,048,801
Mission and Program Overview

Mission

Dreamspring provides tools to help small businesses operate, grow or start their businesses. We increase access to business credit, make loans and provide training to help entrepreneurs thrive.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$40,095,643$39,912,882▼ $182,761
Cash and Non-Interest-Bearing Accounts$9,674,039$6,035,835▼ $3,638,204
Land, Buildings, and Equipment, Net$3,275,243$3,250,456▼ $24,787
Investments in Publicly Traded Securities$1,011,885$1,227,695▲ $215,810
Pledges and Grants Receivable$1,739,326$850,077▼ $889,249
Accounts Receivable-$255,702-
Savings and Temporary Cash Investments$78,333$84,427▲ $6,094
Prepaid Expenses and Deferred Charges$100,441$75,659▼ $24,782
Investments Other Securities$6,000$6,000→ $0
Total Assets$56,147,046$51,851,931▼ $4,295,115
Other Assets Total$166,136$153,198▼ $12,938
Liabilities
Unsecured Notes Loans Payable$32,706,112$30,607,924▼ $2,098,188
Mortgage Notes Payable Secured by Investment Property$7,330,207$7,512,790▲ $182,583
Accounts Payable and Accrued Expenses$733,115$549,254▼ $183,861
Total Liabilities$40,769,434$38,669,968▼ $2,099,466
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$11,114,161$10,488,043▼ $626,118
Net Assets With Donor Restrictions$4,263,451$2,693,920▼ $1,569,531
Total Net Assets Fund Balance$15,377,612$13,181,963▼ $2,195,649
Total Liabilities and Net Assets / Fund Balance$56,147,046$51,851,931▼ $4,295,115

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,671,597$576,727$2,248,324
Equipment$575,643$434,777$1,010,420
Land$1,003,216-$1,003,216

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2019$2,201,671-▲ $412,432$402,071$2,201,671
2018$2,201,671-▲ $118,724$108,772$2,201,671
2017$2,164,671$37,000▲ $345,625$335,445$2,201,671
2016$1,877,671$287,000▲ $258,296$249,012$2,164,671
2015$1,487,671$390,000▲ $79,707$70,414$1,877,671
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anne Haines YatskowitzPresident & CEOFT$219,272$4,861$224,133
Kristine MichieVice Pres of PhilanthropyFT$197,370-$197,370
Michael BurnsCOOFT$170,097$6,355$176,452
Francisco LopezVice Pres of Business Innovation and PartnershipsFT$135,051$3,707$138,758
Marisa BarreraChief Strategy OfficerFT$123,858$3,460$127,318
Margaret SmithVice Pres of LendingFT$108,955$2,225$111,180
Raymond E ZilerCFOPT$93,785-$93,785

Board Members and Trustees

NameTitle
Yashoda NaidooChair
Greg LevensonImmediate Past Chair
Clarence McallisterDirector
Edmond JohnsonDirector
Jerrie MerritDirector
William G RidenourDirector
Betty ArkellSecretary
Michelle CoonsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,488,025
Program Service Revenue
$6,028,719
Investment Income
$34,424
Other Revenue
$115,713
All Other Contributions
$2,852,124
Change in Net Assets
$-2,524,106

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,540,514
Revenue Not Reported on Financial Statements
$126,367
Revenue Not Reported on Form 990
$541,672
Other Revenue Adjustments
$115,713
Total Revenue per Audited Statements
$10,082,186
Total Revenue per Form 990
$9,666,881
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,071,576
Salaries, Compensation, and Employee Benefits$4,119,411
Total Fundraising Expense$610,582
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,200,156$163,673$127,677$2,491,506
Interest$1,195,512--$1,195,512
Current Officers, Directors, Trustees, and Key Employees$805,107$77,843$186,047$1,068,997
Fees for Services Other$622,096$65,838$70,794$758,728
Information Technology$397,585$23,108$6,954$427,647
Office Expenses$300,296$16,826$22,676$339,798
Fees for Services Legal$272,538$28,844$31,015$332,397
Other Employee Benefits$252,785$20,314$26,389$299,488
Travel$242,391$4,089$38,625$285,105
Payroll Taxes$218,965$17,597$22,858$259,420
Depreciation Depletion$192,795$9,228$9,751$211,774
Advertising$133,175-$41,508$174,683
Occupancy$99,893$12,255$8,549$120,697
Fees for Services Accounting$69,399$7,345$7,898$84,642
Conferences and Meetings$64,171$3,138$7,369$74,678
Other Expenses$34,602$12,356$2,472$49,430
Insurance$24,108$8,035-$32,143
Total Functional Expenses$11,109,916$470,489$610,582$12,190,987

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,277,835
Total Expenses per Form 990$12,190,987
Expenses per Audited Statements$11,938,271
Expenses Not Reported on Form 990$339,564
Expenses Not Reported on Financial Statements$252,716
Other Expense Adjustments$252,716
International Activity

International Summary

Offices
1
Employees
6
Spending
$262,818

International Compliance

Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No

International Activities

RegionActivityServicesOfficesEmployeesSpending
IndiaProgram ServicesSoftware Development for Lending System16$262,818
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
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Greg Levenson - Chair/director & Owner of Southwest Capital BankINVESTOR IN CONTROLLED SUBSIDIARY, ACCION 2014E LLC, WHOSE NET EARNINGS FROM ACCION WERE 2% ON THAT INVESTMENT.No$350,000
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
Yes
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Draft of 990 reviewed by audit committee, and once approved a copy is furnished to the full board of directors.”

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

“An annual sign off is required of all board members and staff.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top official: independent compensation study is performed. Executive committee written review. Compensation process for officers: independent compensation study is performed. Ceo reviews pay. Board approves budget.”

Form 990, Part VI, Section C, Line 19

“Audited financial statements are available on our website or upon request. Governing documents and conflict of interest policy are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Dreamspring
EIN
85-0417347
Phone
5052438844
Address
2000 ZEARING AVENUE NW, ALBUQUERQUE, NM 87104

Signing Officer

Name
Ray Ziler
Title
CFO
Phone
5052438844
Signed
2020-06-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ray Ziler
Formed
1994
Legal Domicile
Nm
Voting Board Members
8
Independent Board Members
8
Employees
75
Volunteers
17

Preparer

Firm
Atkinson & Co Ltd
Address
PO BOX 25246, ALBUQUERQUE, NM 87125
Preparer
Jessica Locker CPA
Phone
5058436492
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Partnership income - accion nm 2012c -20. Partnership income - accion nm 2013d -20. Partnership income - accion nm 2014e -25. Management fee -115,628. Interest expense 252,716. Partnership income - accion nm 2017g -20.”

Form 990, Part XII, Line 2C

“The audit committee assumes responsibility for oversight of the audit of its financial statements and selection of an independent accountant. This process has not changed from the previous year.”

Financial Statement Notes

PART V, LINE 4:

“The endowment funds have two uses. First the loan portfolio with a balance of $1,495,493, is available if needed to be used to lend to dreamspring's clients, any charge-off amounts are reimbursed by operating funds. As of 12/31/19 it was all lent to clients. Second, is a traditional endowment with a balance of $706,178 that has been invested in marketable securities. Income generated by either use is available for operations.”

PART X, LINE 2:

“Dreamspring has adopted the provisions of the financial accounting standards board (fasb) accounting standards codification (asc) 740, income taxes. There were no uncertain tax positions taken by dreamspring for the years ended december 31, 2019 and 2018. Dreamspring's policy is to classify income tax penalties and interest, when applicable, according to their natural classification.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Partnership income - accion nm 2012c llc 20. Partnership income - accion nm 2013d llc 20. Partnership income - accion nm 2014e llc 25. Management fee 115,628. Partnership income - accion nm 2017g llc 20.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Interest expense 252,716.”

Raw XML AppendixShowing 400 of 768 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/BOYAmt0733115
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0549254
IRS990/AccountsReceivableGrp/EOYAmt0255702
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0DREAMSPRING PROVIDES TOOLS TO HELP SMALL BUSINESSES OPERATE, GROW OR START THEIR BUSINESSES. WE INCREASE ACCESS TO BUSINESS CREDIT, MAKE LOANS AND PROVIDE TRAINING TO HELP ENTREPRENEURS THRIVE.
IRS990/AdvertisingGrp/FundraisingAmt041508
IRS990/AdvertisingGrp/ProgramServicesAmt0133175
IRS990/AdvertisingGrp/TotalAmt0174683
IRS990/AllOtherContributionsAmt02852124
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ANALISA SMITH
IRS990/BooksInCareOfDetail/PhoneNum05052438844
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02000 ZEARING AVENUE NW
IRS990/BooksInCareOfDetail/USAddress/CityNm0ALBUQUERQUE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NM
IRS990/BooksInCareOfDetail/USAddress/ZIPCd087104
IRS990/BusinessRlnWith35CtrlEntInd01
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt09674039
IRS990/CashNonInterestBearingGrp/EOYAmt06035835
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt0186047
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt077843
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0805107
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01068997
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/FundraisingAmt07369
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt03138
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt064171
IRS990/ConferencesMeetingsGrp/TotalAmt074678
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt03488025
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt034424
IRS990/CYOtherExpensesAmt08071576
IRS990/CYOtherRevenueAmt0115713
IRS990/CYProgramServiceRevenueAmt06028719
IRS990/CYRevenuesLessExpensesAmt0-2524106
IRS990/CYSalariesCompEmpBnftPaidAmt04119411
IRS990/CYTotalExpensesAmt012190987
IRS990/CYTotalFundraisingExpenseAmt0610582
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt09666881
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt09751
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt09228
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0192795
IRS990/DepreciationDepletionGrp/TotalAmt0211774
IRS990/Desc0DREAMSPRING INCREASES ACCESS TO BUSINESS CREDIT, MAKES LOANS AND PROVIDES TRAINING WHICH ENABLE UNDERSERVED ENTREPENEURS TO REALIZE THEIR DREAMS AND BE CATALYSTS FOR POSITIVE ECONOMIC AND SOCIAL CHANGE. IN 2019 DREAMSPRING MADE 1,563 LOANS, FOR $21.1 MILLION, THAT CREATED OR SUSTAINED 4,126 JOBS.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRestrictionNetAssetsGrp/BOYAmt04263451
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt02693920
IRS990/DonorRstrOrQuasiEndowmentsInd01
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt075
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt011109916
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt07898
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt07345
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt069399
IRS990/FeesForServicesAccountingGrp/TotalAmt084642
IRS990/FeesForServicesLegalGrp/FundraisingAmt031015
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt028844
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0272538
IRS990/FeesForServicesLegalGrp/TotalAmt0332397
IRS990/FeesForServicesOtherGrp/FundraisingAmt070794
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt065838
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0622096
IRS990/FeesForServicesOtherGrp/TotalAmt0758728
IRS990/ForeignActivitiesInd01
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd01
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt825.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1050.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1250.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1350.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1450.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt93460
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt104861
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt112225
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt136355
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt143707
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHELLE COONS
IRS990/Form990PartVIISectionAGrp/PersonNm1WILLIAM G RIDENOUR
IRS990/Form990PartVIISectionAGrp/PersonNm2YASHODA NAIDOO
IRS990/Form990PartVIISectionAGrp/PersonNm3GREG LEVENSON
IRS990/Form990PartVIISectionAGrp/PersonNm4CLARENCE MCALLISTER
IRS990/Form990PartVIISectionAGrp/PersonNm5BETTY ARKELL
IRS990/Form990PartVIISectionAGrp/PersonNm6EDMOND JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm7JERRIE MERRIT
IRS990/Form990PartVIISectionAGrp/PersonNm8RAYMOND E ZILER
IRS990/Form990PartVIISectionAGrp/PersonNm9MARISA BARRERA
IRS990/Form990PartVIISectionAGrp/PersonNm10ANNE HAINES YATSKOWITZ
IRS990/Form990PartVIISectionAGrp/PersonNm11MARGARET SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm12KRISTINE MICHIE
IRS990/Form990PartVIISectionAGrp/PersonNm13MICHAEL BURNS
IRS990/Form990PartVIISectionAGrp/PersonNm14FRANCISCO LOPEZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt893785
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9123858
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10219272
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11108955
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12197370
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13170097
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14135051
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3IMMEDIATE PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF STRATEGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRES OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRES OF PHILANTHROPY
IRS990/Form990PartVIISectionAGrp/TitleTxt13COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRES OF BUSINESS INNOVATION AND PARTNERSHIPS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01994
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-9724
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GovernmentGrantsAmt0635901
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0372196
IRS990/GrossReceiptsAmt010048801
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt06954
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt023108
IRS990/InformationTechnologyGrp/ProgramServicesAmt0397585
IRS990/InformationTechnologyGrp/TotalAmt0427647
IRS990/InsuranceGrp/ManagementAndGeneralAmt08035
IRS990/InsuranceGrp/ProgramServicesAmt024108
IRS990/InsuranceGrp/TotalAmt032143
IRS990/InterestGrp/ProgramServicesAmt01195512
IRS990/InterestGrp/TotalAmt01195512
IRS990/InvestmentExpenseAmt0-10654
IRS990/InvestmentIncomeGrp/ExclusionAmt044148
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt044148
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06000
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01011885
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01227695
IRS990/IRPDocumentCnt058
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01011504
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03275243
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03250456
IRS990/LandBldgEquipCostOrOtherBssAmt04261960
IRS990/LegalDomicileStateCd0NM
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0381920
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt040
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt040
IRS990/MissionDesc0DREAMSPRING PROVIDES TOOLS TO HELP SMALL BUSINESSES OPERATE, GROW OR START THEIR BUSINESSES. WE INCREASE ACCESS TO BUSINESS CREDIT, MAKE LOANS AND PROVIDE TRAINING TO HELP ENTREPRENEURS THRIVE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt07330207
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt07512790
IRS990/NetAssetsOrFundBalancesBOYAmt015377612
IRS990/NetAssetsOrFundBalancesEOYAmt013181963
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-9724
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-9724
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0202108
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt011114161
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt010488043
IRS990/NoncashContributionsAmt010117
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt08549
IRS990/OccupancyGrp/ManagementAndGeneralAmt012255
IRS990/OccupancyGrp/ProgramServicesAmt099893
IRS990/OccupancyGrp/TotalAmt0120697
IRS990/OfficeExpensesGrp/FundraisingAmt022676
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt016826
IRS990/OfficeExpensesGrp/ProgramServicesAmt0300296
IRS990/OfficeExpensesGrp/TotalAmt0339798
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0166136
IRS990/OtherAssetsTotalGrp/EOYAmt0153198
IRS990/OtherChangesInNetAssetsAmt0137003
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt026389
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt020314
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0252785
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0299488
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2TEMPORARY SERVICES
IRS990/OtherExpensesGrp/FundraisingAmt02472
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt012356
IRS990/OtherExpensesGrp/ProgramServicesAmt03763240
IRS990/OtherExpensesGrp/ProgramServicesAmt1221102
IRS990/OtherExpensesGrp/ProgramServicesAmt234602
IRS990/OtherExpensesGrp/TotalAmt03763240
IRS990/OtherExpensesGrp/TotalAmt1221102
IRS990/OtherExpensesGrp/TotalAmt249430
IRS990/OtherRevenueMiscGrp/BusinessCd0522000
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0MANAGEMENT FEES
IRS990/OtherRevenueMiscGrp/Desc1PTNRSHP INC-ACCION NM
IRS990/OtherRevenueMiscGrp/Desc2PTNRSHP INC-ACCION NM
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0115628
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt125
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt220
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0115628
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt125
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt220
IRS990/OtherRevenueTotalAmt0115713
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0127677
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0163673
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02200156
IRS990/OtherSalariesAndWagesGrp/TotalAmt02491506
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt040095643
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt039912882
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt022858
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt017597
IRS990/PayrollTaxesGrp/ProgramServicesAmt0218965
IRS990/PayrollTaxesGrp/TotalAmt0259420
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt01739326
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0850077
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0100441
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt075659
IRS990/PrincipalOfficerNm0RAY ZILER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522200
IRS990/ProgramServiceRevenueGrp/BusinessCd1522200
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST AND FEES
IRS990/ProgramServiceRevenueGrp/Desc1SECURED DEBT
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05973695
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt155024
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05973695
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt155024
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt05688939
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0149638
IRS990/PYOtherExpensesAmt06076053
IRS990/PYOtherRevenueAmt0116245
IRS990/PYProgramServiceRevenueAmt05752651
IRS990/PYRevenuesLessExpensesAmt01858792
IRS990/PYSalariesCompEmpBnftPaidAmt03772628
IRS990/PYTotalExpensesAmt09848681
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011707473
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-2524106
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt06144432
IRS990/SavingsAndTempCashInvstGrp/BOYAmt078333
IRS990/SavingsAndTempCashInvstGrp/EOYAmt084427
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt03488025
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt05688939
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt03152851
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt04681497
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt03755376
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt020766688
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt044148
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt033977
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt030539
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt028947
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt029301
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0166912
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt024731349
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.73190
IRS990ScheduleA/PublicSupportPY170Pct00.99240
IRS990ScheduleA/PublicSupportTotal170Amt015322128
IRS990ScheduleA/SubstantialContributorsTotAmt05444560
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt03488025
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt05688939
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt03152851
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt04681497
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt03755376

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$51,851,931
Liabilities
$38,669,968
Net assets
$13,181,963
Revenue
$9,666,881
Expenses
$12,190,987
Net income
-$2,524,106
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.2$44.2$25.0$14.5$14.3$0.24
2023Detailed filing. Detailed filing data is available for this year.$72.3$47.6$24.7$14.7$23.1$8.45
2022Detailed filing. Detailed filing data is available for this year.$95.8$58.2$37.6$25.9$20.2$5.72
2021Detailed filing. Detailed filing data is available for this year.$203$171$32.0$25.3$9.09$16.2
2020Detailed filing. Detailed filing data is available for this year.$92.0$76.4$15.6$17.7$15.5$2.18
2019Detailed filing. Detailed filing data is available for this year.$51.9$38.7$13.2$9.67$12.2$2.52
2018Summary only. Only limited summary data is available for this year.$56.1$40.8$15.4$11.7$9.85$1.86
2017Detailed filing. Detailed filing data is available for this year.$51.4$37.8$13.6$8.33$8.28$0.05
2016Summary only. Only limited summary data is available for this year.$45.0$31.7$13.4$9.02$6.93$2.09
2015Detailed filing. Detailed filing data is available for this year.$33.6$22.5$11.1$7.41$5.64$1.77
2014Detailed filing. Detailed filing data is available for this year.$28.9$19.6$9.34$5.61$4.15$1.45
2013Detailed filing. Detailed filing data is available for this year.$21.2$13.2$8.05$4.17$3.21$0.96
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.4$8.59$8.80$2.94
2011Summary only. Only limited summary data is available for this year.$15.7$8.18$7.57$2.78$2.68$0.10
2010Summary only. Only limited summary data is available for this year.$15.7$8.27$7.46$3.23$3.22$0.00