Skip to content
Nonprofiteer
← All organizations

IMPACT ACCEPTANCE CORPORATION

EIN 39-1417230 RICE LAKE, WI

Revenue 2024
$34,868
Expenses 2024
$954,998

Program services were 98.9% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
S30Z
Classification
1000
Street
2961 DECKER DR

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 · 2024

Mission

PROVIDE RURAL DEVELOPMENT LOANS

Activities or mission (Part I)

RURAL DEVELOPMENT LOANS

  • IMPACT ACCEPTANCE CORPORATION (THE CORPORATION) WAS FORMED TO BE AN INTERMEDIARY IN ORDER TO ADMINISTER A LOAN FROM THE INTERMEDIARY RELENDING PROGRAM (IRP) OF RURAL DEVELOPMENT. THE IRP IS A PROGRAM OPERATED INTERMEDIARY WHEREBY THE INTERMEDIARY USES LOAN FUNDS RECEIVED FROM RURAL DEVELOPMENT, ALONG WITH ANY OTHER AVAILABLE FUNDS, TO MAKE LOANS TO ULTIMATE RECIPIENTS. RELENDING PROGRAMS WILL NORMALLY ESTABLISH REVOLVING FUNDS SO THAT INCOME FROM LOANS MADE TO ULTIMATE RECIPIENTS, IN EXCESS OF NECESSARY OPERATING EXPENSES AND DEBT PAYMENTS, WILL BE USED TO MAKE ADDITIONAL LOANS TO ULTIMATE RECIPIENTS. AT THE END OF 2023, THE ORGANIZATION HAD LOAN RECEIVABLES TOTALING $372,854.

    Expenses $944,131 · Grants $924,469 · Revenue $34,075

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • BRETT GERBER

    PRESIDENT/CEO

    Total calculated
    $673,379
    From this org
    $0
    From related orgs
    $533,520
    Other
    $139,859
    Hours/week
    1 + 40 related

    Schedule J breakdown matched by us

    Base
    $0 + $362,294 related
    Bonus
    $0 + $144,927 related
    Other
    $0 + $26,299 related
    Deferred
    $0 + $110,350 related
    Nontaxable benefits
    $0 + $29,509 related
    Filer's total
    $0 + $673,379 related

  • TERRA PAWLIUK-MCGIFFIN

    SECRETARY/TREASURER

    Total calculated
    $151,153
    From this org
    $0
    From related orgs
    $112,881
    Other
    $38,272
    Hours/week
    1 + 40 related

    Schedule J breakdown matched by us

    Base
    $0 + $99,608 related
    Bonus
    $0 + $12,667 related
    Other
    $0 + $606 related
    Deferred
    $0 + $3,648 related
    Nontaxable benefits
    $0 + $34,624 related
    Filer's total
    $0 + $151,153 related

  • CAROLINE LOYAS

    DIRECTOR

    Total calculated
    $154,557
    From this org
    $0
    From related orgs
    $124,030
    Other
    $30,527
    Hours/week
    1 + 40 related

    Schedule J breakdown matched by us

    Base
    $0 + $108,457 related
    Bonus
    $0 + $15,000 related
    Other
    $0 + $573 related
    Deferred
    $0 + $3,733 related
    Nontaxable benefits
    $0 + $26,794 related
    Filer's total
    $0 + $154,557 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

  • 2024
    Revenue
    $34,868
    Expenses
    $954,998
    Contributions
    $0
    Grants paid
    $924,469
  • 2023
    Revenue
    $38,579
    Expenses
    $67,995
    Contributions
    $0
    Grants paid
    $52,598
  • 2022
    Revenue
    $57,801
    Expenses
    $15,576
    Contributions
    $0
    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.

Other returns filed

  • 2021 · 990

    Revenue
    $83,745
    Expenses
    $17,072
    Assets (EOY)
    $1,533,284

  • 2020 · 990

    Revenue
    $77,130
    Expenses
    $16,209
    Assets (EOY)
    $1,593,937

  • 2019 · 990

    Revenue
    $79,779
    Expenses
    $17,377
    Assets (EOY)
    $1,659,388

  • 2018 · 990

    Revenue
    $469,375
    Expenses
    $17,081
    Assets (EOY)
    $1,722,106

  • 2017 · 990

    Revenue
    $95,529
    Expenses
    $20,692
    Assets (EOY)
    $2,073,647

  • 2016 · 990

    Revenue
    $93,830
    Expenses
    $156,753
    Assets (EOY)
    $2,286,757

  • 2015 · 990

    Revenue
    $84,623
    Expenses
    $54,376
    Assets (EOY)
    $2,327,403

  • 2014 · 990

    Revenue
    $100,420
    Expenses
    $166,805
    Assets (EOY)
    $2,422,433

  • 2013 · 990

    Revenue
    $98,221
    Expenses
    $48,701
    Assets (EOY)
    $2,589,527

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $91,001
    Assets (EOY)
    $2,746,635

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

  • IMPACT SEVEN INC

    $924,469

    2024 TO BENEFIT THE COMMUNITIES BY PROVIDING LOW INCOME HOUSING AND SERVICES

  • IMPACT SEVEN INC

    $52,598

    2023 TO BENEFIT THE COMMUNITIES BY PROVIDING LOW INCOME HOUSING AND SERVICES

Where these grants went next →

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 2024 return

Declared as related by

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 13 October 2026 and read 26 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.