Enterprise Community Loan Fund
Enterprise Community Loan Fund reported $30.6 million in revenue and $31.9 million in expenses for calendar year 2025. Of every $100 it spent, $93.53 went to program services, $6.47 to management and general costs and $0.00 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 75.5% of the total. The highest compensation it reported for one person was $1,328,763 (DIRECTOR). 14 people received more than $100,000 in reportable compensation. Revenue rose 79% between 2019 and 2025. Source: Form 990, 2025.
Where $100 of spending went
Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $32MFor context, the median across 933 covered housing & shelter charities: $89.27 programs, $10.73 management, $0.00 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 $31MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 93.5% | 87.5% |
| Management & general Part IX 25(C) ÷ 25(A) | 6.5% | 10.5% |
| Fundraising Part IX 25(D) ÷ 25(A) | 0.0% | 0.0% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | Not reported | $0.01 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 0.5% | 17.0% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 0.1% | 1.0% |
| Program service revenue share Part VIII 2g ÷ 12 | 75.5% | 66.2% |
| Highest reported compensation Part VII-A, columns D–F | $1,328,763 | $300,863 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 4.16% | 1.57% |
| People paid over $100,000 Part VII, line 2 | 14 | 5 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 56.1 | 10.0 |
| Independent voting board members Part VI 1a–1b | 5 of 8 | 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 expenseHighest reported compensation
2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| DIRECTOR Director/trustee, 1.00 hrs/week | $0 | $1,270,421 | $58,342 | $1,328,763 |
| CHAIR Director/trustee, 2.00 hrs/week | $0 | $794,541 | $38,945 | $833,486 |
| SVP, CLO & SECRETARY Officer, 4.00 hrs/week | $0 | $522,015 | $61,643 | $583,658 |
| SVP & COFO Officer, 1.00 hrs/week | $0 | $510,622 | $61,743 | $572,365 |
| PRESIDENT Director/trustee, officer, 40.00 hrs/week | $518,784 | $0 | $36,603 | $555,387 |
| SVP & TREASURER Officer, 40.00 hrs/week | $340,529 | $0 | $52,673 | $393,202 |
| VP, CHIEF CREDIT OFFICER Officer, 40.00 hrs/week | $318,117 | $0 | $55,962 | $374,079 |
| VP, CHIEF LENDING OFFICER Officer, 40.00 hrs/week | $306,682 | $0 | $36,241 | $342,923 |
14 people received more than $100,000 in reportable compensation from Enterprise Community Loan Fund (Part VII, line 2). Compensation of current officers, directors and key employees totaled $1.7M (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–1b8 · 5 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 11aYes
- 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 552
- Volunteers Part I, line 65
Largest outside contractors
2025 · Form 990, Part VII, Section B · businesses only| HUSCH BLACKWELL LLP Legal services | $176,310 |
Individuals listed as contractors are left out. 3 contractors were paid more than $100,000 in all.
Correct a figure or respond
Every number above is copied from Enterprise Community Loan Fund's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Enterprise Community Loan Fund, you can publish a response that is linked from this page.
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Of every $100 Enterprise Community Loan Fund spent in 2025, $93.53 went to programs. The full breakdown, from its IRS Form 990:
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Similar-sized charities in this cause
- Habitat for Humanity for Lee and Hendry CountiesFort Myers, FL · revenue $30M · programs 92.0% · FY2025
- Covenant Living of Golden ValleyMinneapolis, MN · revenue $31M · programs 73.8% · FY2025
- Christian Relief Services Charities Inc. Group ReturnAlexandria, VA · revenue $30M · programs 99.1% · FY2025
- Greater Des Moines Habitat for HumanityDes Moines, IA · revenue $31M · programs 90.7% · FY2025
- Willow Brook Christian ServicesDelaware, OH · revenue $30M · programs 81.0% · 2024
All housing & shelter charities · Largest charities in Maryland
Questions people ask
How much of Enterprise Community Loan Fund's spending goes to programs?
In calendar year 2025, Enterprise Community Loan Fund reported that 93.5% of its $31.9 million in expenses went to program services, 6.5% to management and general and 0.0% to fundraising (Form 990, Part IX).
How much does Enterprise Community Loan Fund pay its top executive?
The largest total compensation Enterprise Community Loan Fund reported for one person in calendar year 2025 was $1,328,763, for the role of DIRECTOR (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Enterprise Community Loan Fund get its money?
Of $30.6 million in revenue in calendar year 2025, 0.5% came from contributions and grants (including 0.1% from government grants) and 75.5% from program service revenue (Form 990, Part VIII).
Is Enterprise Community Loan Fund a registered charity?
The IRS lists EIN 52-0192004 as a 501(c)(3) organization (publicly supported organization (509(a)(2))), 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 202602449349300900 · read the filing
- 2024: Form 990 for calendar year 2024, object 202532539349301258 · read the filing
- 2023: Form 990 for calendar year 2023, object 202442269349301969 · read the filing
- 2022: Form 990 for calendar year 2022, object 202302439349300525 · read the filing
- 2021: Form 990 for calendar year 2021, object 202202919349300525 · read the filing
- 2020: Form 990 for calendar year 2020, object 202142449349301109 · read the filing
- 2019: Form 990 for calendar year 2019, object 202042629349301104 · read the filing
All filings for EIN 52-0192004: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.