- Revenue 2023
- $1,464,918
- Expenses 2023
- $1,765,217
Program services were 81.8% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
As filed
- Subsection
- 03
- NTEE code
- L21
- Classification
- 1000
- Street
- 51 SOUTH DUKE STREET
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Mission and programs · 2023
Mission
A NON-PROFIT LENDING INSTITUTION FACILITATING ACCESS TO CAPITAL AND CONSULTATION SERVICES TO ENTREPRENEURS, FIRST-TIME HOMEBUYERS, AND CONSUMERS IN THE DELAWARE VALLEY REGION.
Activities or mission (Part I)
A LENDING INSTITUTION FACILITATING ACCESS TO CAPITAL AND CONSULTATION SERVICES.
-
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.
Expenses $1,444,668 · Revenue $1,347,546
As filed on the 2023 return.
Officers and directors · 2023
As listed in Part VII of the 2023 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Dan BetancourtDAN BETANCOURT
PRESIDENT &
- Total calculated
- $391,275
- From this org
- $0
- From related orgs
- $363,943
- Other
- $27,332
- Hours/week
- 1 + 60 related
Schedule J breakdown matched by us
- Base
- not reported + $363,943 related
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported + $13,500 related
- Nontaxable benefits
- not reported + $13,832 related
- Filer's total
- not reported + $391,275 related
-
Joan BroadheadJOAN BROADHEAD
CHIEF STRATE
- Total calculated
- $239,208
- From this org
- $0
- From related orgs
- $206,704
- Other
- $32,504
- Hours/week
- 1 + 48 related
Schedule J breakdown matched by us
- Base
- not reported + $206,704 related
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported + $2,036 related
- Nontaxable benefits
- not reported + $30,468 related
- Filer's total
- not reported + $239,208 related
-
James BuergerJAMES BUERGER
LENDER
- Total calculated
- $181,149
- From this org
- $0
- From related orgs
- $158,342
- Other
- $22,807
- Hours/week
- 1 + 50 related
Schedule J breakdown matched by us
- Base
- not reported + $158,342 related
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported + $7,871 related
- Nontaxable benefits
- not reported + $14,936 related
- Filer's total
- not reported + $181,149 related
-
Lloyd ShieldsLLOYD SHIELDS
INTERIM CFO
- Total calculated
- $164,223
- From this org
- $0
- From related orgs
- $164,223
- Other
- $0
- Hours/week
- 1 + 45 related
Schedule J breakdown matched by us
- Base
- not reported + $164,223 related
- Bonus
- not reported
- Other
- not reported
- Deferred
- not reported
- Nontaxable benefits
- not reported
- Filer's total
- not reported + $164,223 related
-
Anthony PappionANTHONY PAPPION
CFO
- Total calculated
- $71,818
- From this org
- $0
- From related orgs
- $58,794
- Other
- $13,024
- Hours/week
- 1 + 45 related
-
Elizabeth BennettELIZABETH BENNETT
CFO
- Total calculated
- $9,176
- From this org
- $0
- From related orgs
- $9,176
- Other
- $0
- Hours/week
- 1 + 45 related
-
Lenin AgudoLENIN AGUDO
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Jonathan BowserJONATHAN BOWSER
CHAIR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Marilyn BrownMARILYN BROWN
SECRETARY
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Natalia Dominguez BuckleyNATALIA DOMINGUEZ BUCKLEY
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Rev Dr Gregory J EdwardsREV DR GREGORY J EDWARDS
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Samuel T Cooper EsqSAMUEL T COOPER ESQ
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Carlos LopezCARLOS LOPEZ
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Lawrence McComieLAWRENCE MCCOMIE
VICE CHAIR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
R Eric MenzerR ERIC MENZER
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Robert TorresROBERT TORRES
TREASURER
- Total calculated
- $0
- Hours/week
- 1 + 1 related
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.
Filings
-
2023
- Revenue
- $1,464,918
- Expenses
- $1,765,217
- Contributions
- $117,372
- Grants paid
- $0
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Form 990-N e-Postcard, tax year 2025
- Tax period
- 1 July 2025 to 30 June 2026
- Principal officer
-
Not named on the postcard
- Mailing address
- 51 South Duke StreetLANCASTER PA 17608
As filed, from the IRS e-Postcard file of 2 November 2026. The IRS publishes only each organization's most recent postcard, so earlier years are not shown. A 990-N carries no financial detail. The postcard also gives the principal officer's address, which is not shown here.
Grants made
No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.
Grants received
No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.
Related organizations
From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.
Declared on its 2023 return
-
501C3 · LOANS · PA
Other IRS files
Auto-Revocation List
Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.
Publication 78
Listed as of 13 October 2026, under deductibility PC.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2023, the newest we have parsed for this organization.