Michigan · Nonprofit
CINNAIRE LENDING CORPORATION
CINNAIRE LENDING CORPORATION (Michigan) receives grants from 7 organizations whose IRS filings report $15,208,771 to it, the largest being JPMORGAN CHASE FOUNDATION ($5,500,000). 3 of them have funded it in more than one year.
Against its field
CINNAIRE LENDING CORPORATION runs a healthier operating margin than three-quarters of the 817 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 817 housing & shelter nonprofits $10M–$100M, FY2024
Three funders worth looking at
Grantmakers with no record of funding this organization, ranked by how strongly the co-funder graph and the mission embeddings agree. The evidence is in section 03.
- McCune Foundation Pnc Bank Nashared funders
- Opportunity Finance Networkportfolio match
- Cba Fundportfolio match
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.
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: 2017 61% · 2018 71% · 2019 7% · 2020 25% · 2021 33% · 2022 49% · 2023 44% · 2024 37%. Grants only. Government contracts and fees sit inside program revenue.
44% of CINNAIRE LENDING CORPORATION’s revenue is contributions — more donation-reliant than the typical peer (12% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 1 of the last 8 reported years ran a deficit.
reserve
Who funds it, year by year
2019 → 2023: the base narrowed from 2 funders to 1 funder, grant income fell $6.5M → $150k.
From the IRS filings of CINNAIRE LENDING CORPORATION’s funders (the co-funder graph). 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
CINNAIRE LENDING CORPORATION leans on a few funders — its largest provides 36% of grant income and the top three 95%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
26% 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 CINNAIRE LENDING CORPORATION.
Largest funder’s share by year: 2019 62% · 2020 100% · 2021 91% · 2022 98% · 2023 100% — growing more concentrated.
“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.
Where its funders are
CINNAIRE LENDING CORPORATION draws 100% of its grant income from funders outside Michigan, across 5 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. 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.
Funders to approach
Grantmakers that don’t fund you yet, surfaced two ways: they back organizations that share your funders, or their grantees resemble your mission. The ones both signals agree on come first.
- McCune Foundation Pnc Bank Nashared fundersPA · backs 60 organizations that share your funders
- Opportunity Finance Networkportfolio matchits grantees resemble your mission
- Cba Fundportfolio matchits grantees resemble your mission
- Community Reinvestment Fund Incportfolio matchits grantees resemble your mission
- Metro Credit Unionportfolio matchits grantees resemble your mission
- Neighborhood Reinvestment Corporationportfolio matchits grantees resemble your mission
- Homebase Cincinnatiportfolio matchits grantees resemble your mission
- The Housing Partnership Network Incportfolio matchits grantees resemble your mission
- Credit Builders Alliance Incportfolio matchits grantees resemble your mission
- Appalachian Community Capital Corporationportfolio matchits grantees resemble your mission
- Ohio Community Development Finance Fundportfolio matchits grantees resemble your mission
- Great Rivers Community Trustportfolio matchits grantees resemble your mission
From the co-funder graph (funders backing at least two comparable organizations, shrunk for grantee count, donor-advised and mega-funds excluded) and the universe embeddings. A research starting point; overlap is association, not a guarantee of fit.
Government funding CINNAIRE LENDING CORPORATION receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $43.0M on record.
- Department of the Treasury$43.0M
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 CINNAIRE LENDING CORPORATION
Nonprofits whose mission and program text most resemble this one, by semantic similarity over the universe of US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Michigan
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
79% of spending goes to programs.
Governance
Public support
84%
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 6 related entities
- Cinnaire Corporation · exempt
- Cpc Mortgage Company · partnership
- Cinnaire Investment Corp · corp_trust
- Cinnaire Advisory Services · corp_trust
- Preserve Affordability Pittsburgh · corp_trust
Screen this organization
A dated, signed PDF of the compliance screen for CINNAIRE LENDING CORPORATION: 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. How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds CINNAIRE LENDING CORPORATION?
- CINNAIRE LENDING CORPORATION (Michigan) receives grants from 7 organizations whose IRS filings report $15,208,771 to it, the largest being JPMORGAN CHASE FOUNDATION ($5,500,000). 3 of them have funded it in more than one year.
- How many funders does CINNAIRE LENDING CORPORATION have?
- IRS filings report 7 organizations giving $15,208,771 in grants to CINNAIRE LENDING CORPORATION, 3 of which have funded it in more than one year.
- Who is the largest funder of CINNAIRE LENDING CORPORATION?
- JPMORGAN CHASE FOUNDATION is the largest funder on record, with $5,500,000 in grants. The full list of funders is on this page.
- How can an organization like CINNAIRE LENDING CORPORATION find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Michigan. 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 FY2024 (financials across 2017–2024), and the filings of 7funders 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 August 27, 2026. What this page cannot tell you · view filing