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Mountain Bizcapital
Also known as Mountain Bizworks
Mountain Bizcapital reported $10.1 million in revenue and $5.4 million in expenses for calendar year 2025. Of every $100 it spent, $86.80 went to program services, $10.30 to management and general costs and $2.90 to fundraising. Its largest source of revenue was contributions and grants: 51.2% of the total. Government grants made up 31.4%. The highest compensation it reported for one person was $163,113 (EXECUTIVE DI). 1 person received more than $100,000 in reportable compensation. Revenue rose 266% between 2019 and 2025. Source: Form 990, 2025.
Where $100 of spending went
Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $5.4MFor context, the median across 1,001 covered philanthropy, voluntarism & grantmaking charities: $91.65 programs, $6.50 management, $1.85 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
Calendar year 2025 · Form 990, Part VIII · total revenue $10MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 86.8% | 90.2% |
| Management & general Part IX 25(C) ÷ 25(A) | 10.3% | 6.4% |
| Fundraising Part IX 25(D) ÷ 25(A) | 2.9% | 1.8% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.03 | $0.02 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 51.2% | 79.9% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 31.4% | 0.0% |
| Program service revenue share Part VIII 2g ÷ 12 | 48.8% | 0.0% |
| Highest reported compensation Part VII-A, columns D–F | $163,113 | $325,675 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 3.01% | 1.56% |
| People paid over $100,000 Part VII, line 2 | 1 | 3 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 60.1 | 56.6 |
| Independent voting board members Part VI 1a–1b | 11 of 11 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
2025 · Form 990, Part III · the three largest programs by expenseMountain Bizcapital (mbc) is a not-for-profit corporation established 34 years ago. The primary purpose of mbc is to provide direct micro and small business loans to expand economic opportunities in low income and other underbanked communities. Since its existence, mbc has provided 121.4 million in financing to over 4,004 businesses which have created 9,759 jobs across western north carolina. In april 2003, mbc was certified as a community development financial institution by the community development financial institution fund of the US department of treasury. The organization is classified…
Highest reported compensation
2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here1 people received more than $100,000 in reportable compensation from Mountain Bizcapital (Part VII, line 2). Compensation of current officers, directors and key employees totaled $163K (Part IX, line 5).
7 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b11 · 11 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aNo
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26Yes
- Lobbying, or a 501(h) election in effect Part IV 4No
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bNo
- Employees Part I, line 537
Private foundation grants it received
4 private foundations reported grants to Mountain Bizcapital totaling $507K on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Mountain Bizcapital's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Mountain Bizcapital, you can publish a response that is linked from this page.
Share or embed this breakdown
Of every $100 Mountain Bizcapital spent in 2025, $86.80 went to programs. The full breakdown, from its IRS Form 990:
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All philanthropy, voluntarism & grantmaking charities · Largest charities in North Carolina
Questions people ask
How much of Mountain Bizcapital's spending goes to programs?
In calendar year 2025, Mountain Bizcapital reported that 86.8% of its $5.4 million in expenses went to program services, 10.3% to management and general and 2.9% to fundraising (Form 990, Part IX).
How much does Mountain Bizcapital pay its top executive?
The largest total compensation Mountain Bizcapital reported for one person in calendar year 2025 was $163,113, for the role of EXECUTIVE DI (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Mountain Bizcapital get its money?
Of $10.1 million in revenue in calendar year 2025, 51.2% came from contributions and grants (including 31.4% from government grants) and 48.8% from program service revenue (Form 990, Part VIII).
Is Mountain Bizcapital a registered charity?
The IRS lists EIN 14-1864873 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024, 2025. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- 2025: Form 990 for calendar year 2025, object 202641329349303299 · read the filing
- 2024: Form 990 for calendar year 2024, object 202511299349303431 · read the filing
- 2023: Form 990 for calendar year 2023, object 202421369349315312 · read the filing
- 2022: Form 990 for calendar year 2022, object 202331219349302273 · read the filing
- 2021: Form 990 for calendar year 2021, object 202241309349304129 · read the filing
- 2020: Form 990 for calendar year 2020, object 202101349349305030 · read the filing
- 2019: Form 990 for calendar year 2019, object 202001349349303520 · read the filing
All filings for EIN 14-1864873: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.