Civic Intelligence

Utah Microenterprise Loan Fund

EIN 87-0495534 • 501(c)3 • Salt Lake City, UT

Profile

Provide funding and management assistance to new and existing businesses that are not able to access traditional sources of funding; including those who are members of the low/moderate income community.

154 East Ford Avenue Ste ASalt Lake City, UT 84115

www.umlf.com

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.95x

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

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

4.68x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

3rd percentile

-108%

Higher net margin than 3% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

5th percentile

-32%

Faster asset growth than 5% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

36th percentile

0.4%

Faster revenue growth than 36% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$2,697,693

Down $1,294,211 (-32%) from 2023

Liabilities

Down

$2,574,332

Down $702,126 (-21%) from 2023

Net Assets

Down

$123,361

Down $592,085 (-83%) from 2023

Operations
Liabilities / Revenue96th percentileNet Margin3rd percentile

Revenue

Up

$550,159

Up $2,452 (+0.4%) from 2023

Expenses

Up

$1,142,244

Up $69,252 (+6.5%) from 2023

Net Income

Down

-$592,085

Down $66,800 (-13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $4,579,766Liabilities 2011: $2,520,148Net Assets 2011: $2,059,6182011Assets 2012: $5,464,369Liabilities 2012: $2,766,060Net Assets 2012: $2,698,3092012Assets 2013: $5,592,338Liabilities 2013: $2,867,599Net Assets 2013: $2,724,7392013Assets 2014: $5,489,860Liabilities 2014: $2,764,116Net Assets 2014: $2,725,7442014Assets 2015: $5,466,544Liabilities 2015: $2,717,204Net Assets 2015: $2,749,3402015Assets 2016: $5,491,535Liabilities 2016: $2,963,967Net Assets 2016: $2,527,5682016Assets 2017: $6,367,158Liabilities 2017: $4,204,273Net Assets 2017: $2,162,8852017Assets 2018: $6,539,239Liabilities 2018: $4,518,209Net Assets 2018: $2,021,0302018Assets 2019: $6,963,256Liabilities 2019: $5,042,891Net Assets 2019: $1,920,3652019Assets 2020: $6,216,254Liabilities 2020: $4,582,015Net Assets 2020: $1,634,2392020Assets 2021: $5,421,781Liabilities 2021: $4,008,855Net Assets 2021: $1,412,9262021Assets 2022: $4,809,581Liabilities 2022: $3,568,850Net Assets 2022: $1,240,7312022Assets 2023: $3,991,904Liabilities 2023: $3,276,458Net Assets 2023: $715,4462023Assets 2024: $2,697,693Liabilities 2024: $2,574,332Net Assets 2024: $123,3612024

Highlighted filing

2024

Assets$2,697,693
Liabilities$2,574,332
Net Assets$123,361
Open 2024 Filing

Operations Trend

Revenue Growth36th percentile

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

$1.5M$1.0M$500K$0-$500K-$1.0MExpenses 2011: $641,8252011Expenses 2012: $477,5512012Expenses 2013: $580,1822013Revenue 2014: $508,089Expenses 2014: $507,084Net Income 2014: $1,0052014Revenue 2015: $524,167Expenses 2015: $500,571Net Income 2015: $23,5962015Revenue 2016: $442,197Expenses 2016: $663,969Net Income 2016: -$221,7722016Revenue 2017: $580,099Expenses 2017: $944,782Net Income 2017: -$364,6832017Revenue 2018: $622,103Expenses 2018: $763,958Net Income 2018: -$141,8552018Revenue 2019: $645,035Expenses 2019: $740,783Net Income 2019: -$95,7482019Revenue 2020: $723,980Expenses 2020: $1,010,106Net Income 2020: -$286,1262020Revenue 2021: $701,489Expenses 2021: $922,802Net Income 2021: -$221,3132021Revenue 2022: $784,855Expenses 2022: $957,050Net Income 2022: -$172,1952022Revenue 2023: $547,707Expenses 2023: $1,072,992Net Income 2023: -$525,2852023Revenue 2024: $550,159Expenses 2024: $1,142,244Net Income 2024: -$592,0852024

Highlighted filing

2024

Revenue$550,159
Expenses$1,142,244
Net Income-$592,085
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$2,697,693
Liabilities
$2,574,332
Net assets
$123,361
Revenue
$550,159
Expenses
$1,142,244
Net income
-$592,085
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.70$2.57$0.12$0.55$1.14$0.59
2023Detailed filing. Detailed filing data is available for this year.$3.99$3.28$0.72$0.55$1.07$0.53
2022Detailed filing. Detailed filing data is available for this year.$4.81$3.57$1.24$0.78$0.96$0.17
2021Detailed filing. Detailed filing data is available for this year.$5.42$4.01$1.41$0.70$0.92$0.22
2020Detailed filing. Detailed filing data is available for this year.$6.22$4.58$1.63$0.72$1.01$0.29
2019Detailed filing. Detailed filing data is available for this year.$6.96$5.04$1.92$0.65$0.74$0.10
2018Detailed filing. Detailed filing data is available for this year.$6.54$4.52$2.02$0.62$0.76$0.14
2017Detailed filing. Detailed filing data is available for this year.$6.37$4.20$2.16$0.58$0.94$0.36
2016Detailed filing. Detailed filing data is available for this year.$5.49$2.96$2.53$0.44$0.66$0.22
2015Detailed filing. Detailed filing data is available for this year.$5.47$2.72$2.75$0.52$0.50$0.02
2014Detailed filing. Detailed filing data is available for this year.$5.49$2.76$2.73$0.51$0.51$0.00
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.59$2.87$2.72$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.46$2.77$2.70$0.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.58$2.52$2.06$0.64
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Aug 11, 2025
Return Version
2023v6.0
Gross Receipts
$550,159
Mission and Program Overview

Mission

Provide funding and management assistance to new and existing businesses that are not able to access traditional sources of funding; including those who are members of the low/moderate income community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$2,227,014$1,435,777▼ $791,237
Savings and Temporary Cash Investments$875,708$676,549▼ $199,159
Cash and Non-Interest-Bearing Accounts$657,445$370,185▼ $287,260
Land, Buildings, and Equipment, Net$199,334$182,150▼ $17,184
Pledges and Grants Receivable$8,137$17,800▲ $9,663
Accounts Receivable$748$1,410▲ $662
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$3,991,904$2,697,693▼ $1,294,211
Other Assets Total$23,518$13,822▼ $9,696
Liabilities
Mortgage Notes Payable Secured by Investment Property$3,055,389$2,355,254▼ $700,135
Accounts Payable and Accrued Expenses$95,285$137,787▲ $42,502
Deferred Revenue$125,784$81,291▼ $44,493
Total Liabilities$3,276,458$2,574,332▼ $702,126
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$715,446$123,361▼ $592,085
Total Net Assets Fund Balance$715,446$123,361▼ $592,085
Total Liabilities and Net Assets / Fund Balance$3,991,904$2,697,693▼ $1,294,211

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$127,943$308,025$435,968
Equipment$7$56,282$56,289
Land$54,200-$54,200
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Doug KeefeExecutive DirectorFT$131,612$22,143$153,755

Board Members and Trustees

NameTitle
Ryan JonesChair
Beth ColosimoBoard Member
Caryl ErikssonBoard Member
David YoungBoard Member
Don PoultonBoard Member
Jennifer WeldingBoard Member
Jim HerrinBoard Member
Jim WelchBoard Member
Joe EyreBoard Member
John TaudteBoard Member
Liz HanBoard Member
Lori FikeBoard Member
Matthew RenlundBoard Member
Mike WeaverBoard Member
Robert ChristensenBoard Member
Sam RobertsBoard Member
Seth WheatleyBoard Member
Sheila SrivastavaBoard Member
Todd JonesBoard Member
Eric MarxTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$291,875
Program Service Revenue
$242,579
Investment Income
$13,905
Other Revenue
$1,800
All Other Contributions
$229,737
Change in Net Assets
$-592,085

Audited Revenue Reconciliation

Revenue per Audited Statements
$550,159
Total Revenue per Audited Statements
$550,159
Total Revenue per Form 990
$550,159
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$602,342
Other Expenses$539,902
Total Fundraising Expense$45,109
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$177,941$155,873$25,678$359,492
Current Officers, Directors, Trustees, and Key Employees$79,031$69,230$11,405$159,666
Office Expenses-$52,729-$52,729
Payroll Taxes$19,270$16,880$2,781$38,931
Interest$38,131--$38,131
Other Employee Benefits$16,627$14,565$2,399$33,591
Fees for Services Accounting-$20,900-$20,900
Occupancy$12,593$4,169$2,084$18,846
Advertising$17,979--$17,979
Depreciation Depletion-$17,184-$17,184
Conferences and Meetings-$14,516-$14,516
Pension Plan Contributions$5,277$4,623$762$10,662
Insurance-$4,815-$4,815
Other Expenses$2,043$25-$25
Total Functional Expenses$708,014$389,121$45,109$1,142,244

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,142,244
Total Expenses per Audited Statements$1,142,244
Total Expenses per Form 990$1,142,244
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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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, Part VI, Section B, Line 11B

“Form 990 is subject to board review and approval before filing.”

Form 990, Part VI, Section B, Line 15A

“The board makes the decision regarding executive director compensation. The executive director determines compensation for other employees. These decisions are approved by the board.”

Form 990, Part VI, Section C, Line 19

“The governing documents, policies, and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Utah Microenterprise Loan Fund
EIN
87-0495534
Phone
8017461180
Address
154 EAST FORD AVENUE STE A, SALT LAKE CITY, UT 84115

Signing Officer

Name
Doug Keefe
Title
Executive Director
Signed
2025-08-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Doug Keefe
Formed
1991
Legal Domicile
Ut
Voting Board Members
20
Independent Board Members
20
Employees
8

Preparer

Firm
Carver Florek & James LLC
Address
2315 McDonald Avenue Suite 300, Missoula, MT 59801
Preparer
Angel Sharp CPA
Phone
4067285539
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“Executive director requests bids from at least 3 independent auditors and presents all bids to the board of directors for approval and selection.”

Financial Statement Notes

Part IV, Line 1B: Why is organization an agent, trustee, custodian or other intermediary for contrib

“The Fund services loans for a local governmental entity. Besides the loan origination function, the Funds duties with respect to these loans receivable are limited to collection services for a fee. The Fund does not bear any economic risk of loss for these loans and is not the legal owner. Accordingly, the Fund has not recorded these loans in the accompanying financial statements.”

Part X : FIN48 Footnote

“The Fund is organized as a nonprofit corporation in accordance with the laws of the State of Utah and has been recognized by the Internal Revenue Service (IRS) as exempt from federal income taxes under Section 501(a) of the Internal Revenue Code as an organization described in Section 501(c)(3), qualifies for the charitable contribution deduction under Section 170(b)(1)(A)(vi), and has been determined not to be a private foundation under Section 509(a)(1). The Fund is annually required to file a Return of Organization Exempt from Income Tax (Form 990) with the IRS. In addition, the Fund is subject to income tax on net income that is derived from business activities that are unrelated to their exempt purpose. The Fund has determined it is not subject to unrelated business income tax and has not filed an Exempt Organization Business Income Tax Return (Form 990-T) with the IRS. The Fund believes that it has appropriate support for any tax positions taken affecting its annual filing requirements, and as such, does not have any uncertain tax positions that are material to the financial statements. The Fund would recognize future accrued interest and penalties related to unrecognized tax benefits and liabilities in income tax expense if such interest and penalties are incurred.”

Raw XML AppendixShowing 400 of 596 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/ActivityOrMissionDesc0PROVIDE FUNDING AND MANAGEMENT ASSISTANCE TO NEW AND EXISTING BUSINESSES THAT ARE NOT ABLE TO ACCESS TRADITIONAL SOURCES OF FUNDING; INCLUDING THOSE WHO ARE MEMBERS OF THE LOW/MODERATE INCOME COMMUNITY.
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