Maryland · Nonprofit
BALTIMORE COMMUNITY LENDING INC
BALTIMORE COMMUNITY LENDING INC (Maryland) receives grants from 22 organizations whose IRS filings report $6,081,908 to it, the largest being University of Maryland Medical System Corporation ($1,204,751). 12 of them have funded it in more than one year.
- Revenue FY2025
- $8.8M
- Funders on record
- 22
- Grants received
- $6.1M
- Net assets
- $17M
What Baltimore Community Lending Inc does
Mission
The mission of baltimore community lending is supporting the revitalization and strengthening of underserved communities in the greater baltimore region through innovative financial solutions and collaborative resources designed to promote community development.
As stated on its FY2025 Form 990.
Programs
Community development loan portfolio management maintain, manage and service approximately 50 community development loan assets totaling approximately $17 million and representing in excess of 400 affordable housing units, counsel and advise existing borrowers concerning loan compliance best practices, and assist struggling borrowers to identify available remedies in the event of payment and/or performance challenges.
$8,125,137 spentof which $1,853,500 as grants$1,639,183 earned by the program98% of program spendingThe small business division is a six-year-old small business loan initiative which provides financing for credit worthy businesses that lack equity or are not otherwise eligible for traditional financing. It maintains , manages and services approximately 180 small business loans totaling approximately $13.9m for start-up and expanding businesses.
$125,896 spent$776,195 earned by the program2% of program spending
The 2 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $8,251,033.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2021 to 2022, from $28M to $33M (+18%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2023 4% · 2024 59% · 2025 40%. Grants only. Government contracts and fees sit inside program revenue.
71% of BALTIMORE COMMUNITY LENDING INC’s revenue is contributions — more donation-reliant than the typical peer (61% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 3 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Watchen Harris Bruce
President and CEO
Board chair
Michael Tagg
Board chair
As listed on its FY2025 Form 990.
The chief executive listed changed between the FY2019 and FY2020 filings.
Who funds it, year by year
2017 → 2023: the base broadened from 1 funder to 6 funders, grant income rose $150k → $1.2M.
6 of 22 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 18% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of BALTIMORE COMMUNITY LENDING INC’s funders (the co-funder graph). Top 21 of 22 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
BALTIMORE COMMUNITY LENDING INC has a broad base — no single funder exceeds 20% of grant income, and it takes 4 funders to reach half.
the vertical line marks half of all grant income — 4 funders to its left
59% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund BALTIMORE COMMUNITY LENDING INC.
Largest funder’s share by year: 2017 100% · 2019 85% · 2020 32% · 2021 35% · 2022 43% · 2023 53% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
30% of BALTIMORE COMMUNITY LENDING INC's funders are still giving 3 years after their first grant; 55% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
BALTIMORE COMMUNITY LENDING INC draws 67% of its grant income from funders outside Maryland, across 8 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $1.1M arriving through sponsors registered in 4 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
BALTIMORE COMMUNITY LENDING INC has grown faster than three-quarters of the 2,127 community improvement nonprofits its size.
this organization peer median middle 50% of peers· 2,127 community improvement nonprofits $1M–$10M, FY2025
Government funding BALTIMORE COMMUNITY LENDING INC receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $11.9M on record — $11.3M federal, $600k state.
- Department of the Treasury$8.4M
- Small Business Administration$2.9M
- Loan$600k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like BALTIMORE COMMUNITY LENDING INC
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Maryland
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
82% of spending goes to programs.
Governance
Public support
98%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 2 related entities
- Creo Inc · exempt
- Business Development & Resource Center - Bcl Community Facility Inc · exempt
Screen this organization
A dated, signed PDF of the compliance screen for BALTIMORE COMMUNITY LENDING INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds BALTIMORE COMMUNITY LENDING INC?
- BALTIMORE COMMUNITY LENDING INC (Maryland) receives grants from 22 organizations whose IRS filings report $6,081,908 to it, the largest being University of Maryland Medical System Corporation ($1,204,751). 12 of them have funded it in more than one year.
- How many funders does BALTIMORE COMMUNITY LENDING INC have?
- IRS filings report 22 organizations giving $6,081,908 in grants to BALTIMORE COMMUNITY LENDING INC, 12 of which have funded it in more than one year.
- Who is the largest funder of BALTIMORE COMMUNITY LENDING INC?
- University of Maryland Medical System Corporation is the largest funder on record, with $1,204,751 in grants. The full list of funders is on this page.
- How can an organization like BALTIMORE COMMUNITY LENDING INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Maryland. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 22 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing