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Access to Capital for Entrepreneurs
Access to Capital for Entrepreneurs reported $20.6 million in revenue and $17.0 million in expenses for calendar year 2025. Of every $100 it spent, $83.62 went to program services, $12.96 to management and general costs and $3.42 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 75.6% of the total. Government grants made up 10.3%. The highest compensation it reported for one person was $344,113 (PRESIDENT & CEO (INCOMING)). 13 people received more than $100,000 in reportable compensation. Revenue rose 136% between 2019 and 2025. Source: Form 990, 2025.
Where $100 of spending went
Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $17MFor context, the median across 479 covered community improvement & capacity building charities: $90.45 programs, $9.31 management, $0.24 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 $21MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 83.6% | 89.1% |
| Management & general Part IX 25(C) ÷ 25(A) | 13.0% | 9.2% |
| Fundraising Part IX 25(D) ÷ 25(A) | 3.4% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.18 | $0.00 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 16.1% | 80.1% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 10.3% | 14.9% |
| Program service revenue share Part VIII 2g ÷ 12 | 75.6% | 11.9% |
| Highest reported compensation Part VII-A, columns D–F | $344,113 | $291,103 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 2.02% | 1.49% |
| People paid over $100,000 Part VII, line 2 | 13 | 5 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 47.1 | 9.2 |
| Independent voting board members Part VI 1a–1b | 11 of 12 | 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 expenseAccess to capital for entrepreneurs (ace) provides the following program services to small businesses: 1.) lending: ace is committed to deploying capital to high-potential small business owners who are often overlooked by traditional financial institutions. Through a thorough and experienced review process, these entrepreneurs demonstrate strong potential and represent sound, mission aligned investments. Ace's track record shows that combining capital with coaching and connections is an effective and sustainable approach to supporting small business growth. Ace offers smaller loans that may…
Highest 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 |
|---|---|---|---|---|
| PRESIDENT & CEO (INCOMING) Director/trustee, officer, 40.0 hrs/week | $335,775 | $0 | $8,338 | $344,113 |
| PRESIDENT & CEO (OUTGOING) Officer, 40.0 hrs/week | $318,741 | $0 | $20,759 | $339,500 |
| CFO Officer, 40.0 hrs/week | $237,470 | $0 | $9,721 | $247,191 |
| CHIEF OPERATING OFFICER Highest compensated employee, 40.0 hrs/week | $197,597 | $0 | $17,550 | $215,147 |
| VICE PRESIDENT Highest compensated employee, 40.0 hrs/week | $171,066 | $0 | $6,193 | $177,259 |
| DIRECTOR OF LENDING PROGRAMS Highest compensated employee, 40.0 hrs/week | $155,908 | $0 | $6,076 | $161,984 |
| CHIEF OF BUSINESS ADVISORY SERVICES Highest compensated employee, 40.0 hrs/week | $155,900 | $0 | $5,425 | $161,325 |
| DIRECTOR OF STRATEGIC PARTNERSHIP Highest compensated employee, 40.0 hrs/week | $148,244 | $0 | $0 | $148,244 |
13 people received more than $100,000 in reportable compensation from Access to Capital for Entrepreneurs (Part VII, line 2). Compensation of current officers, directors and key employees totaled $931K (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–1b12 · 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 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 26No
- Lobbying, or a 501(h) election in effect Part IV 4Yes
- 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 538
- Volunteers Part I, line 646
Largest outside contractors
2025 · Form 990, Part VII, Section B · businesses only| MAULDIN & JENKINS LLC Financial audit services | $144,075 |
Individuals listed as contractors are left out. 2 contractors were paid more than $100,000 in all.
Private foundation grants it received
4 private foundations reported grants to Access to Capital for Entrepreneurs totaling $1.1M 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 Access to Capital for Entrepreneurs's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Access to Capital for Entrepreneurs, you can publish a response that is linked from this page.
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Of every $100 Access to Capital for Entrepreneurs spent in 2025, $83.62 went to programs. The full breakdown, from its IRS Form 990:
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Similar-sized charities in this cause
- American Productivity & Quality CenterHouston, TX · revenue $21M · programs 83.7% · 2024
- Western Dairyland Economic Opportunity CouncilIndependence, WI · revenue $21M · programs 96.3% · 2024
- Race ForwardWashington, DC · revenue $21M · programs 81.9% · 2024
- Ohio Community Development Finance FundColumbus, OH · revenue $21M · programs 94.0% · 2024
- Four Bands Community FundEagle Butte, SD · revenue $21M · programs 92.6% · 2025
All community improvement & capacity building charities · Largest charities in Georgia
Questions people ask
How much of Access to Capital for Entrepreneurs's spending goes to programs?
In calendar year 2025, Access to Capital for Entrepreneurs reported that 83.6% of its $17.0 million in expenses went to program services, 13.0% to management and general and 3.4% to fundraising (Form 990, Part IX).
How much does Access to Capital for Entrepreneurs pay its top executive?
The largest total compensation Access to Capital for Entrepreneurs reported for one person in calendar year 2025 was $344,113, for the role of PRESIDENT & CEO (INCOMING) (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Access to Capital for Entrepreneurs get its money?
Of $20.6 million in revenue in calendar year 2025, 16.1% came from contributions and grants (including 10.3% from government grants) and 75.6% from program service revenue (Form 990, Part VIII).
Is Access to Capital for Entrepreneurs a registered charity?
The IRS lists EIN 58-2383669 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 202642529349301644 · read the filing
- 2024: Form 990 for calendar year 2024, object 202501629349301205 · read the filing
- 2023: Form 990 for calendar year 2023, object 202411929349301476 · read the filing
- 2022: Form 990 for calendar year 2022, object 202311749349301401 · read the filing
- 2021: Form 990 for calendar year 2021, object 202231189349301023 · read the filing
- 2020: Form 990 for calendar year 2020, object 202140819349300204 · read the filing
- 2019: Form 990 for calendar year 2019, object 202031219349300313 · read the filing
All filings for EIN 58-2383669: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.