Is it real?
Yes. Exemption reinstated (2023-11-15). Per the IRS revocation list. Latest filing on record: FY2025. IRS ruling in Sep 2025.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
73 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
10 people listed on the 990; $109K paid to officers and key staff.
Luis Mora’s $109K as President is at the 77th percentile of top reported officer pay among 1709 $100K–1M community development nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Provides loans and advice to entrepreneurs, homebuyers, and consumers in the Delaware Valley.
Questions for Finanta
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Technical assistance and loan products for entrepreneurs, start up and small businesses, first-time consumer and homebuyer borrowers, and local affordable real estate developers. Such products are supported with credit building and financial coaching, business training, and incubating space.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $7.6M | $7.7M |
| Land, buildings, equipmentLn 10c | $2.4M | $2.4M |
| Total assetsLn 16 | $24.6M | $26.7M |
| LiabilitiesLn 26 | $6.4M | $6.8M |
| Net assetsLn 32 | $18.2M | $20.0M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $177K | $119K | $53K | $5K |
| Other salaries and wagesLn 7 | $1.0M | $702K | $314K | $31K |
| Other employee benefitsLn 9 | $160K | $107K | $48K | $5K |
| Payroll taxesLn 10 | $90K | $61K | $27K | $3K |
| Legal feesLn 11b | $2K | $0 | $2K | $0 |
| Accounting feesLn 11c | $15K | $15K | $0 | $0 |
| Other fees for servicesLn 11g | $24K | $12K | $7K | $4K |
| Advertising and promotionLn 12 | $4K | $3K | $1K | $130 |
| Office expensesLn 13 | $43K | $29K | $13K | $1K |
| OccupancyLn 16 | $9K | $6K | $3K | $273 |
| TravelLn 17 | $6K | $4K | $2K | $174 |
| Conferences, conventions and meetingsLn 19 | $23K | $15K | $7K | $689 |
| InterestLn 20 | $94K | $94K | $0 | $0 |
| Depreciation, depletion and amortizationLn 22 | $36K | $24K | $11K | $1K |
| InsuranceLn 23 | $20K | $13K | $6K | $585 |
| Other expenses (24a–d)Ln 24 | $418K | $388K | $28K | $3K |
| All other expensesLn 24e | $1K | $671 | $301 | $30 |
| Total functional expensesLn 25 | $2.2M | $1.6M | $522K | $55K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $843K | $315K | $527K | $14.9M | 990 PDF |
| FY2024 | Not on file | ||||
| FY2023 | Not on file | ||||
| FY2022 | Not on file | ||||
| FY2021 | Not on file | ||||
| FY2020 Viewing | $4.0M | $2.2M | $1.8M | $20.0M | 990 PDF |
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Schedules filed Part IV
See the full FY2020 990 (6 parts)
Part I · Summary $3,961,565 revenue, 12 lines filed
Part VI · Governance 9 of 10 board members independent, no flags
Part VIII · Statement of revenue $3,961,565 across 6 lines filed
Part IX · Statement of functional expenses $2,169,711 across 17 lines filed
Part X · Balance sheet $26,712,102 assets, 13 lines filed
Part XI · Reconciliation of net assets $19,959,644 net assets at year end
Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File
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