Civic Intelligence

Business Development & Resource Center - Bcl Community Facility In

EIN 92-2086375 • 501(c)3 • Baltimore, MD

Pub. 78 Eligible

Profile

To improve and strengthen the enabling environment for small business development services, enhancing the ecosystem of small business lending for bipoc and other underserved communities in the baltimore region.

301 N Calvert StreetBaltimore, MD 21202

www.bclending.org

Siviq Scores

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

Liabilities / Assets

85th percentile

0.65x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

1.69x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

96th percentile

82%

Higher net margin than 96% of similar nonprofits.

501(c)3 • $5M-$10M 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

90th percentile

44%

Faster asset growth than 90% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

99th percentile

955%

Faster revenue growth than 99% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$5,395,438

Up $1,646,304 (+44%) from 2023

Liabilities

Down

$3,480,800

Down $222,291 (-6.0%) from 2023

Net Assets

Up

$1,914,638

Up $1,868,595 (+4058%) from 2023

Operations
Liabilities / Revenue89th percentileNet Margin96th percentile

Revenue

Up

$2,060,000

Up $1,864,764 (+955%) from 2023

Expenses

Up

$361,285

Up $212,092 (+142%) from 2023

Net Income

Up

$1,698,715

Up $1,652,672 (+3589%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth90th percentile

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

$6.0M$4.0M$2.0M$0Assets 2023: $3,749,134Liabilities 2023: $3,703,091Net Assets 2023: $46,0432023Assets 2024: $5,395,438Liabilities 2024: $3,480,800Net Assets 2024: $1,914,6382024

Highlighted filing

2024

Assets$5,395,438
Liabilities$3,480,800
Net Assets$1,914,638
Open 2024 Filing

Operations Trend

Revenue Growth99th percentile

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

$3.0M$2.0M$1.0M$0Revenue 2023: $195,236Expenses 2023: $149,193Net Income 2023: $46,0432023Revenue 2024: $2,060,000Expenses 2024: $361,285Net Income 2024: $1,698,7152024

Highlighted filing

2024

Revenue$2,060,000
Expenses$361,285
Net Income$1,698,715
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$5,395,438
Liabilities
$3,480,800
Net assets
$1,914,638
Revenue
$2,060,000
Expenses
$361,285
Net income
$1,698,715
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.40$3.48$1.91$2.06$0.36$1.70
2023Detailed filing. Detailed filing data is available for this year.$3.75$3.70$0.05$0.20$0.15$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.2
Gross Receipts
$2,060,000
Mission and Program Overview

Mission

To improve and strengthen the enabling environment for small business development services, enhancing the ecosystem of small business lending for bipoc and other underserved communities in the baltimore region.

4

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,322,355$5,391,670▲ $2,069,315
Prepaid Expenses and Deferred Charges$66,976$149,057▲ $82,081
Cash and Non-Interest-Bearing Accounts$359,803$-145,289▼ $505,092
Total Assets$3,749,134$5,395,438▲ $1,646,304
Liabilities
Mortgage Notes Payable Secured by Investment Property-$2,878,325-
Unsecured Notes Loans Payable$2,878,325--
Deferred Revenue$824,764$565,000▼ $259,764
Accounts Payable and Accrued Expenses$2$37,475▲ $37,473
Total Liabilities$3,703,091$3,480,800▼ $222,291
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$46,043$1,914,638▲ $1,868,595
Total Net Assets Fund Balance$46,043$1,914,638▲ $1,868,595
Total Liabilities and Net Assets / Fund Balance$3,749,134$5,395,438▲ $1,646,304

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,271,688--
Equipment$119,982$11,715-
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Watchen Harris BrucePresident and CEO - Bcl
Sean RussellVice President
Alvin C Hathaway SrBoard Member
Nichole Doyle BattleBoard Member
Clarence SnuggsSecretary
Susan KellyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,060,000
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$60,000
Change in Net Assets
$1,698,715
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$361,285
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Insurance$101,418--$101,418
All Other Expenses$86,206--$86,206
Fees for Services Other$73,168--$73,168
Fees for Services Legal$60,191--$60,191
Occupancy$18,901--$18,901
Depreciation Depletion$11,301--$11,301
Information Technology$9,450--$9,450
Other Expenses$499--$499
Advertising$151--$151
Total Functional Expenses$361,285$0$0$361,285
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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, Part VI, Section B, Line 11B

“Prior to its filing, the form 990 was reviewed by management and the audit & finance committee. A copy of the final version was provided to each board member prior to filing.”

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

“Governing documents, conflict of interest policy, and financial statements are made available upon request.”

Form 990, Part VI, Section B, Line 15

“The board executive committee reviews and approves all officers' compensation. Community development financial institutions industry peer compensation is considered in making compensation decisions.”

Form 990, Part VI, Section C, Line 18

“AVAILABLE UPON REQUEST”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Business Development & Resource Center
EIN
92-2086375
Phone
4107278590
Address
301 N CALVERT STREET, BALTIMORE, MD 21202

Signing Officer

Name
Watchen Harris Bruce
Title
President & CEO
Phone
4107278590
Signed
2025-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Watchen Harris Bruce
Formed
2023
Legal Domicile
Md
Voting Board Members
3
Independent Board Members
2
Employees
0
Volunteers
4

Preparer

Firm
Sb & Company LLC
Address
10200 GRAND CENTRAL AVE SUITE 250, OWINGS MILLS, MD 21117
Preparer
Monique Booker
Phone
4105840060
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other: program service expenses 73,168. Management and general expenses 0. Fundraising expenses 0. Total expenses 73,168.”

Financial Statement Notes

PART X, LINE 2:

“Baltimore community lending, inc., creo inc., and bd&rc are exempt from the payment of income taxes on income other than net unrelated business income under section 501(c) (3) of the internal revenue code. The provisions included in accounting principles generally accepted in the united states of america provide consistent guidance for the accounting for uncertainty in income taxes recognized in an entity's financial statements and prescribe a threshold of "more likely than not" for recognition of tax positions taken or expected to be taken in a tax return. Bcl performed an evaluation of uncertain tax positions as of june 30, 2024, and determined that there were no matters that would require recognition in the consolidated financial statements or that may have any effect on its tax-exempt status. As of june 30, 2024, the statute of limitations for fiscal years 2021 through 2024 remain open with the u.s. Federal jurisdiction or the state and local jurisdiction in which bcl files tax returns. It is bcl's policy to recognize interest and/or penalties related to uncertain tax positions, if any, as income tax expense.”

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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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BALTIMORE COMMUNITY LENDING, INC., CREO INC., AND BD&RC ARE EXEMPT FROM THE PAYMENT OF INCOME TAXES ON INCOME OTHER THAN NET UNRELATED BUSINESS INCOME UNDER SECTION 501(C) (3) OF THE INTERNAL REVENUE CODE. THE PROVISIONS INCLUDED IN ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA PROVIDE CONSISTENT GUIDANCE FOR THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES RECOGNIZED IN AN ENTITY'S FINANCIAL STATEMENTS AND PRESCRIBE A THRESHOLD OF "MORE LIKELY THAN NOT" FOR RECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. BCL PERFORMED AN EVALUATION OF UNCERTAIN TAX POSITIONS AS OF JUNE 30, 2024, AND DETERMINED THAT THERE WERE NO MATTERS THAT WOULD REQUIRE RECOGNITION IN THE CONSOLIDATED FINANCIAL STATEMENTS OR THAT MAY HAVE ANY EFFECT ON ITS TAX-EXEMPT STATUS. AS OF JUNE 30, 2024, THE STATUTE OF LIMITATIONS FOR FISCAL YEARS 2021 THROUGH 2024 REMAIN OPEN WITH THE U.S. FEDERAL JURISDICTION OR THE STATE AND LOCAL JURISDICTION IN WHICH BCL FILES TAX RETURNS. IT IS BCL'S POLICY TO RECOGNIZE INTEREST AND/OR PENALTIES RELATED TO UNCERTAIN TAX POSITIONS, IF ANY, AS INCOME TAX EXPENSE.
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PRIOR TO ITS FILING, THE FORM 990 WAS REVIEWED BY MANAGEMENT AND THE AUDIT & FINANCE COMMITTEE. A COPY OF THE FINAL VERSION WAS PROVIDED TO EACH BOARD MEMBER PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD EXECUTIVE COMMITTEE REVIEWS AND APPROVES ALL OFFICERS' COMPENSATION. COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS INDUSTRY PEER COMPENSATION IS CONSIDERED IN MAKING COMPENSATION DECISIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OTHER: PROGRAM SERVICE EXPENSES 73,168. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 73,168.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0BALTIMORE COMMUNITY LENDING INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0521632468
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MD
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0ADMINISTERING COMMUNITY DEVELOPMENT FINANCING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 12B, II
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0875 HOLLINS STREET SUITE 301
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0BALTIMORE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MD
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd021201
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt02878325
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0BALTIMORE COMMUNITY LENDING INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0E
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MD
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt03749134
IRS990/TotalAssetsEOYAmt05395438
IRS990/TotalAssetsGrp/BOYAmt03749134
IRS990/TotalAssetsGrp/EOYAmt05395438
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt02060000
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0361285
IRS990/TotalFunctionalExpensesGrp/TotalAmt0361285
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03703091
IRS990/TotalLiabilitiesEOYAmt03480800
IRS990/TotalLiabilitiesGrp/BOYAmt03703091
IRS990/TotalLiabilitiesGrp/EOYAmt03480800
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt046043
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01914638
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0361285
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02060000
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03749134
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05395438
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt02878325
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0301 N CALVERT STREET
IRS990/USAddress/CityNm0BALTIMORE
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021202
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt02
IRS990/WebsiteAddressTxt0WWW.BCLENDING.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0WATCHEN HARRIS BRUCE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04107278590
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BUSINESS DEVELOPMENT & RESOURCE CENTER
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0- BCL COMMUNITY FACILITY INC
ReturnHeader/Filer/BusinessNameControlTxt0BUSI
ReturnHeader/Filer/EIN0922086375
ReturnHeader/Filer/PhoneNum04107278590
ReturnHeader/Filer/USAddress/AddressLine1Txt0301 N CALVERT STREET
ReturnHeader/Filer/USAddress/CityNm0BALTIMORE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021202
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202153727
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SB & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010200 GRAND CENTRAL AVE SUITE 250
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OWINGS MILLS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021117
ReturnHeader/PreparerPersonGrp/PhoneNum04105840060
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MONIQUE BOOKER
ReturnHeader/ReturnTs02025-11-04T09:43:37-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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