Civic Intelligence

Coastal Business Finance

990 • Fiscal year 2017 • EIN 95-3558666

Oct 01, 2016 to Sep 30, 2017 • Filed on Jan 19, 2018

Organization Profilecoastalbusinessfinance.com
930 S BroadwaySanta Maria, CA 93454

(805) 739-1665

Siviq Scores

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

Liabilities / Assets

74th percentile

0.07x

Higher debt load relative to assets than 74% of similar nonprofits.

2017 filings • 501(c)4 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

76th percentile

0.08x

Higher debt load relative to revenue than 76% of similar nonprofits.

2017 filings • 501(c)4 • <$500k nonprofits • Source year 2017

Net Margin

13th percentile

-23%

Higher net margin than 13% of similar nonprofits.

2017 filings • 501(c)4 • <$500k nonprofits • Source year 2017

Top Officer Pay

98th percentile

$100,000

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 24.6% of source-year revenue.

2017 filings • 501(c)4 • <$500k nonprofits • Source year 2017

Asset Growth

17th percentile

-18%

Faster asset growth than 17% of similar nonprofits.

2017 filings • 501(c)4 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

22nd percentile

-17%

Faster revenue growth than 22% of similar nonprofits.

2017 filings • 501(c)4 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets74th percentile

Assets

Down

$477,952

Down $107,562 (-18%) from 2016

Net Assets

Down

$445,945

Down $94,137 (-17%) from 2016

Liabilities

Down

$32,007

Down $13,425 (-30%) from 2016

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin13th percentile

Revenue

Down

$406,019

Down $84,899 (-17%) from 2016

Expenses

Down

$500,156

Down $59,164 (-11%) from 2016

Net Income

Down

-$94,137

Down $25,735 (-38%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$800K$600K$400K$200K$0Assets 2011: $676,719Liabilities 2011: $18,564Net Assets 2011: $658,1552011Assets 2012: $641,660Liabilities 2012: $19,775Net Assets 2012: $621,8852012Assets 2013: $700,362Liabilities 2013: $61,539Net Assets 2013: $638,8232013Assets 2014: $727,503Liabilities 2014: $22,565Net Assets 2014: $704,9382014Assets 2015: $647,283Liabilities 2015: $38,799Net Assets 2015: $608,4842015Assets 2016: $585,514Liabilities 2016: $45,432Net Assets 2016: $540,0822016Assets 2017: $477,952Liabilities 2017: $32,007Net Assets 2017: $445,9452017Assets 2018: $481,882Liabilities 2018: $47,744Net Assets 2018: $434,1382018Assets 2019: $482,702Liabilities 2019: $14,500Net Assets 2019: $468,2022019Assets 2020: $503,042Liabilities 2020: $16,774Net Assets 2020: $486,2682020Assets 2021: $509,488Liabilities 2021: $42,713Net Assets 2021: $466,7752021Assets 2022: $452,246Liabilities 2022: $19,054Net Assets 2022: $433,1922022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2017

Assets$477,952
Liabilities$32,007
Net Assets$445,945
Open 2017 Filing

Operations Trend

Revenue Growth22nd percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $284,610Expenses 2011: $292,747Net Income 2011: -$8,1372011Revenue 2012: $297,282Expenses 2012: $333,552Net Income 2012: -$36,2702012Revenue 2013: $413,872Expenses 2013: $396,934Net Income 2013: $16,9382013Revenue 2014: $495,318Expenses 2014: $429,203Net Income 2014: $66,1152014Revenue 2015: $354,890Expenses 2015: $451,344Net Income 2015: -$96,4542015Revenue 2016: $490,918Expenses 2016: $559,320Net Income 2016: -$68,4022016Revenue 2017: $406,019Expenses 2017: $500,156Net Income 2017: -$94,1372017Revenue 2018: $519,983Expenses 2018: $531,790Net Income 2018: -$11,8072018Revenue 2019: $529,712Expenses 2019: $495,648Net Income 2019: $34,0642019Revenue 2020: $409,978Expenses 2020: $391,912Net Income 2020: $18,0662020Revenue 2021: $347,819Expenses 2021: $367,312Net Income 2021: -$19,4932021Revenue 2022: $390,043Expenses 2022: $423,626Net Income 2022: -$33,5832022Revenue 2023: $380,631Expenses 2023: $451,351Net Income 2023: -$70,7202023

Highlighted filing

2017

Revenue$406,019
Expenses$500,156
Net Income-$94,137
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2016 to Sep 30, 2017
Signed
Jan 19, 2018
Return Version
2016v3.0
Gross Receipts
$406,019
Mission and Program Overview

Mission

Founded in 1982, Coastal Business Finance is a California nonprofit corporation, licensed and certified by the U.S. Small Business Administration (SBA) to provide California businesses with low-cost, long-term financing. Coastal Business Finance is chartered by the federal government as a Certified Development Corporation (CDC), and by the SBA as an Accredited Lending Provider (ALP).

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$558,853$453,359▼ $105,494
Accounts Receivable$11,080$11,033▼ $47
Prepaid Expenses and Deferred Charges$7,568$8,225▲ $657
Land, Buildings, and Equipment, Net$8,013$5,335▼ $2,678
Cash and Non-Interest-Bearing Accounts-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$585,514$477,952▼ $107,562
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$29,969$17,258▼ $12,711
Other Liabilities$9,339$8,625▼ $714
Deferred Revenue$6,124$6,124→ $0
Total Liabilities$45,432$32,007▼ $13,425
Net Assets / Fund Balance
Unrestricted Net Assets$540,082$445,945▼ $94,137
Total Net Assets Fund Balance$540,082$445,945▼ $94,137
Total Liabilities and Net Assets / Fund Balance$585,514$477,952▼ $107,562

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$5,335$28,484$33,819
Equipment-$20,037$20,037
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Brian KearnsExecutive DirecFT$100,000$100,000

Board Members and Trustees

NameTitle
Steve MathisChairman
Ed AndrisekVice President
Brooks WiseDirector
Celeste Coelho-HudsonDirector
David RyalDirector
Hugh RaffertyDirector
Karen NunoDirector
Leah WestDirector
Peter SterlingDirector
Mike SellSecretary
Gary WilliamsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$382,543
Investment Income
$19,554
Other Revenue
$3,922
Change in Net Assets
$-94,137
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$400,156
Salaries, Compensation, and Employee Benefits$100,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$80,000$20,000-$100,000
Fees for Services Legal$27,556--$27,556
Occupancy$20,527$5,131-$25,658
All Other Expenses$11,657$504-$12,161
Payment Travel Entrtnmnt Publicly Ofcl$9,697--$9,697
Fees for Services Accounting$5,492$1,373-$6,865
Insurance$5,299$1,325-$6,624
Fees for Services Other$4,396$668-$5,064
Information Technology$3,856$964-$4,820
Other Expenses$4,035$1,192-$4,035
Conferences and Meetings$3,926--$3,926
Office Expenses$2,172$543-$2,715
Depreciation Depletion$2,142$536-$2,678
Advertising-$404-$404
Interest-$2-$2
Total Functional Expenses$414,140$86,016$0$500,156
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Bank Participation Notes$8,625
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 family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
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, Line 11B: Form 990 Review Process

“No review was or will be conducted.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Coastal Business Finance
EIN
95-3558666
Phone
8057391665
Address
930 S Broadway, Santa Maria, CA 93454

Signing Officer

Name
Brian Kearns
Title
Executive Direc
Signed
2018-01-19
Discuss with paid preparer
Yes

Organization Details

Formed
1982
Legal Domicile
CA
Voting Board Members
14
Independent Board Members
14
Employees
0

Preparer

Firm
Moss Levy & Hartzheim LLP
Address
2400 Professional Parkway Suite 205, Santa Maria, CA 93455
Preparer
Ron Levy CPA
Phone
8059252579
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0false
IRS990/MinutesOfGoverningBodyInd0false
IRS990/MissionDesc0Founded in 1982, Coastal Business Finance is a California nonprofit corporation, licensed and certified by the U.S. Small Business Administration (SBA) to provide California businesses with low-cost, long-term financing. Coastal Business Finance is chartered by the federal government as a Certified Development Corporation (CDC), and by the SBA as an Accredited Lending Provider (ALP).
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0540082
IRS990/NetAssetsOrFundBalancesEOYAmt0445945
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt05131
IRS990/OccupancyGrp/ProgramServicesAmt020527
IRS990/OccupancyGrp/TotalAmt025658
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0543
IRS990/OfficeExpensesGrp/ProgramServicesAmt02172
IRS990/OfficeExpensesGrp/TotalAmt02715
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0CONTRACT LABOR
IRS990/OtherExpensesGrp/Desc1Community promotions
IRS990/OtherExpensesGrp/Desc2Telephone
IRS990/OtherExpensesGrp/Desc3Memberships
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt053374
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11192
IRS990/OtherExpensesGrp/ProgramServicesAmt0213498
IRS990/OtherExpensesGrp/ProgramServicesAmt115119
IRS990/OtherExpensesGrp/ProgramServicesAmt24768
IRS990/OtherExpensesGrp/ProgramServicesAmt34035
IRS990/OtherExpensesGrp/TotalAmt0266872
IRS990/OtherExpensesGrp/TotalAmt115119
IRS990/OtherExpensesGrp/TotalAmt25960
IRS990/OtherExpensesGrp/TotalAmt34035
IRS990/OtherLiabilitiesGrp/BOYAmt09339
IRS990/OtherLiabilitiesGrp/EOYAmt08625
IRS990/OtherRevenueMiscGrp/Desc0Miscellaneous
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03922
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03922
IRS990/OtherRevenueTotalAmt03922
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt07568
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08225
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Loan processing fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0382543
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0382543
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt019119
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt09697
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt09697
IRS990/PYOtherExpensesAmt0464320
IRS990/PYOtherRevenueAmt02687
IRS990/PYProgramServiceRevenueAmt0469112
IRS990/PYRevenuesLessExpensesAmt0-68402
IRS990/PYSalariesCompEmpBnftPaidAmt095000
IRS990/PYTotalExpensesAmt0559320
IRS990/PYTotalRevenueAmt0490918
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-94137
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0558853
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0453359
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt020037
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt020037
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05335
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt028484
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt033819
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08625
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0BANK PARTICIPATION NOTES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05335
IRS990ScheduleD/TotalLiabilityAmt08625
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0585514
IRS990/TotalAssetsEOYAmt0477952
IRS990/TotalAssetsGrp/BOYAmt0585514
IRS990/TotalAssetsGrp/EOYAmt0477952
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt086016
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0414140
IRS990/TotalFunctionalExpensesGrp/TotalAmt0500156
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt045432
IRS990/TotalLiabilitiesEOYAmt032007
IRS990/TotalLiabilitiesGrp/BOYAmt045432
IRS990/TotalLiabilitiesGrp/EOYAmt032007
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0540082
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0445945
IRS990/TotalProgramServiceExpensesAmt0414140
IRS990/TotalProgramServiceRevenueAmt0382543
IRS990/TotalReportableCompFromOrgAmt0100000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0406019
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0406019
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0585514
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0477952
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0540082
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0445945
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt014
IRS990/VotingMembersIndependentCnt014
IRS990/WebsiteAddressTxt0coastalbusinessfinance.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-03-14 21:41:22Z

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$477,952
Liabilities
$32,007
Net assets
$445,945
Revenue
$406,019
Expenses
$500,156
Net income
-$94,137
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$3.81$4.51$0.71
2022Detailed filing. Detailed filing data is available for this year.$4.52$0.19$4.33$3.90$4.24$0.34
2021Detailed filing. Detailed filing data is available for this year.$5.09$0.43$4.67$3.48$3.67$0.19
2020Detailed filing. Detailed filing data is available for this year.$5.03$0.17$4.86$4.10$3.92$0.18
2019Detailed filing. Detailed filing data is available for this year.$4.83$0.15$4.68$5.30$4.96$0.34
2018Detailed filing. Detailed filing data is available for this year.$4.82$0.48$4.34$5.20$5.32$0.12
2017Detailed filing. Detailed filing data is available for this year.$4.78$0.32$4.46$4.06$5.00$0.94
2016Detailed filing. Detailed filing data is available for this year.$5.86$0.45$5.40$4.91$5.59$0.68
2015Detailed filing. Detailed filing data is available for this year.$6.47$0.39$6.08$3.55$4.51$0.96
2014Detailed filing. Detailed filing data is available for this year.$7.28$0.23$7.05$4.95$4.29$0.66
2013Summary only. Only limited summary data is available for this year.$7.00$0.62$6.39$4.14$3.97$0.17
2012Summary only. Only limited summary data is available for this year.$6.42$0.20$6.22$2.97$3.34$0.36
2011Summary only. Only limited summary data is available for this year.$6.77$0.19$6.58$2.85$2.93$0.08