Civic Intelligence

Business Development & Resource Center - Bcl Community Facility In

990 • Fiscal year 2023 • EIN 92-2086375

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 08, 2024

Organization ProfileWWW.BCLENDING.ORG
875 Hollins Street Suite 301Baltimore, MD 21201

(410) 727-8590

Siviq Scores

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

Liabilities / Assets

94th percentile

0.99x

Higher debt load relative to assets than 94% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

99th percentile

18.97x

Higher debt load relative to revenue than 99% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Net Margin

77th percentile

24%

Higher net margin than 77% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

83rd percentile

$148,479

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 76.1% of source-year revenue.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Asset Growth

Score unavailable

No value available

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

Source year 2023

Revenue Growth

Score unavailable

No value available

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

Source year 2023

Balance Sheet
Liabilities / Assets94th percentile

Assets

$3,749,134

No earlier filing loaded for comparison.

Net Assets

$46,043

No earlier filing loaded for comparison.

Liabilities

$3,703,091

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin77th percentile

Revenue

$195,236

No earlier filing loaded for comparison.

Expenses

$149,193

No earlier filing loaded for comparison.

Net Income

$46,043

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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

2023

Assets$3,749,134
Liabilities$3,703,091
Net Assets$46,043
Open 2023 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2023

Revenue$195,236
Expenses$149,193
Net Income$46,043
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 8, 2024
Return Version
2023v5.1
Gross Receipts
$195,236
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$0$3,322,355▲ $3,322,355
Cash and Non-Interest-Bearing Accounts-$359,803-
Prepaid Expenses and Deferred Charges-$66,976-
Total Assets$0$3,749,134▲ $3,749,134
Liabilities
Unsecured Notes Loans Payable-$2,878,325-
Deferred Revenue-$824,764-
Accounts Payable and Accrued Expenses-$2-
Total Liabilities$0$3,703,091▲ $3,703,091
Net Assets / Fund Balance
Net Assets Without Donor Restrictions-$46,043-
Total Net Assets Fund Balance$0$46,043▲ $46,043
Total Liabilities and Net Assets / Fund Balance$0$3,749,134▲ $3,749,134

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,210,841--
Equipment$111,514$1,241-
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleOtherTotal
Watchen Harris BrucePresident and CEO - Bcl$148,479$148,479

Board Members and Trustees

NameTitle
Antony GrossBoard Member
Gerard JoabBoard Member
Linda HarringtonBoard Member
Nichole Doyle BattleBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$195,236
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$46,043

Audited Revenue Reconciliation

Revenue per Audited Statements
$195,236
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$195,236
Total Revenue per Form 990
$195,236
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$149,193
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
Fees for Services Legal$52,752--$52,752
Insurance$40,468--$40,468
Occupancy$16,883--$16,883
Fees for Services Other$14,713--$14,713
Advertising$8,866--$8,866
All Other Expenses$8,486--$8,486
Information Technology$5,784--$5,784
Depreciation Depletion$1,241--$1,241
Total Functional Expenses$149,193$0$0$149,193

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$149,193
Total Expenses per Audited Statements$149,193
Total Expenses per Form 990$149,193
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Audit committee
Yes
Backup withholding compliance
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
875 HOLLINS STREET SUITE 301, BALTIMORE, MD 21201

Signing Officer

Name
Watchen Harris Bruce
Title
President & CEO
Phone
4107278590
Signed
2024-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Watchen Harris Bruce
Formed
2023
Legal Domicile
Md
Voting Board Members
5
Independent Board Members
4
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

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.”

Raw XML Appendix364 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/Form990ProvidedToGvrnBodyInd01
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IRS990/GrantsToOrganizationsInd00
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IRS990/LoanOutstandingInd00
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IRS990/MissionDesc0TO 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.
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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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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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/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
IRS990ScheduleR/AssetExchangeInd00
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 12B, II
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MD
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd021201
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
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/TotalAssetsBOYAmt00
IRS990/TotalAssetsEOYAmt03749134
IRS990/TotalAssetsGrp/BOYAmt00
IRS990/TotalAssetsGrp/EOYAmt03749134
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0195236
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0149193
IRS990/TotalFunctionalExpensesGrp/TotalAmt0149193
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt03703091
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt03703091
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt046043
IRS990/TotalOtherCompensationAmt0148479
IRS990/TotalProgramServiceExpensesAmt0149193
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0195236
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03749134
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt02878325
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0875 HOLLINS STREET SUITE 301
IRS990/USAddress/CityNm0BALTIMORE
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021201
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.BCLENDING.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0WATCHEN HARRIS BRUCE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04107278590
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-08
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/AddressLine1Txt0875 HOLLINS STREET SUITE 301
ReturnHeader/Filer/USAddress/CityNm0BALTIMORE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021201
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/ReturnTs02024-11-12T12:32:29-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,749,134
Liabilities
$3,703,091
Net assets
$46,043
Revenue
$195,236
Expenses
$149,193
Net income
$46,043
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