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Washington · Nonprofit

EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE

EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE (Washington) receives grants from 3 organizations whose IRS filings report $459,704 to it, the largest being JPMORGAN CHASE FOUNDATION ($450,000). 1 of them have funded it in more than one year.

Revenue FY2025
$402k
Funders on record
3
Grants received
$460k
Net assets
$1.6M
1/3 repeat funderspeak grant-dependency 72%
01What it does

What Evergreen Business Capital Community Finance does

Mission

Our mission is to provide superior economic development solutions that support small business stability, growth, and job creation; and create increased income and wealth among people who do not yet have access to the economic mainstream.

As stated on its FY2025 Form 990.

Program

  1. Evergreen Business Capital Community Finance (ebccf) is dedicated to offering business capital services that enhance small business growth in washington, oregon, idaho, and alaska. In 2024, the organization funded 7 flex fund 2.0 and 13 bridge builder loans totaling $842,593.

    $139,372 spent$178,323 earned by the program
    100% of program spending

The program described on its FY2024 Form 990. Program spending in total: $139,372.

02The organization over time

The organization over time

Each line starts at 100 in 2020, so what you read is the shape rather than the size: 150 means half as much again as 2020, 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.

100 = 20202020 Revenue 100 ($318k) Expenses 100 ($143k) Net assets 100 ($180k)2021 Revenue 84 ($268k) Expenses 85 ($121k) Net assets 179 ($322k)2022 Revenue 278 ($883k) Expenses 465 ($667k) Net assets 298 ($538k)2023 Revenue 202 ($642k) Expenses 150 ($215k) Net assets 535 ($964k)2024 Revenue 262 ($834k) Expenses 178 ($255k) Net assets 848 ($1.5M)2025 Revenue 127 ($402k) Expenses 210 ($300k) Net assets 874 ($1.6M)
202020212022202320242025
Revenue (127)Expenses (210)Net assets (874)Peer revenue range

Balance sheet

Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2023 to 2024, from $2.0M to $5.9M (+190%).

$369k
$1.1M
$1.7M
$2.0M
$5.9M
$5.8M
202020212022202320242025
Total assetsTotal liabilities

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.

2020
2021
2022
2023
2024
2025
ContributionsProgram revenueInvestmentOther

Government-grant reliance: 2020 79% · 2021 75% · 2022 57% · 2025 8%. Grants only. Government contracts and fees sit inside program revenue.

45% of EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE’s revenue is contributions — about as donation-reliant as the typical peer (62% for the typical peer).

This organization
Typical peer · 12,439 orgs

Surplus & reserves

Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 6 reported years ran a deficit.

$174k
’20
$147k
’21
$216k
’22
$427k
’23
$579k
’24
$102k
’25
201
months of
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

Patricia Kibbe

President/CEO

Board chair

Ken Takahashi

Chair

As listed on its FY2025 Form 990.

202020212022202320242025
Listed151299911
Joined·+1+0+0+1+4
No longer listed·43012
03Who funds it

Who funds it, year by year

2020 → 2023: the base broadened from 1 funder to 3 funders, grant income rose $14 → $460k.

1 of 3 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 0% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.

Left out of every figure on this page: $200k from one payer (the payer shares this organization's board, largest Evergreen Business Capital Foundation). These are real filings, and they are not money EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE raised.

From the IRS filings of EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE’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

EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE leans on a few funders — its largest provides 98% of grant income and the top three 100%; half comes from just 1 funder.

the vertical line marks half of all grant income — 1 funder to its left

98%
largest funder
100%
top three
~1
effective funders

Largest funder’s share by year: 2020 100% · 2021 100% · 2022 100% · 2023 98% — 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.

Where its funders are

EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE draws 100% of its grant income from funders outside Washington, across 1 state in all.

NY

Funder states come from each funder’s own filing. $74 arriving through sponsors registered in 1 state 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.

04Its place in the field

Against its field

EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE runs a healthier operating margin than three-quarters of the 7,175 community improvement nonprofits its size.

Operating margin25% · top quartile
Months of reserve201.2mo · top quartile
Revenue growth (annualized)5% · below the median

this organization peer median middle 50% of peers· 7,175 community improvement nonprofits $100k–$1M, FY2025

Government funding EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE receives

Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $510k on record.

Federal$510k
grants $510kcontracts $0
18
19
20
21
Top agencies
  • Department of the Treasury$510k

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 EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE

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 Washington

Nationally

05Profile & governance

Read directly from this organization’s own Form 990, as neutral context.

Where the money goes

46% of spending goes to programs.

Program 46%Management 47%Fundraising 7%

Governance

10
board members
50%
independent
✓Conflict-of-interest policy✓Whistleblower policy✓Document retention✓Board reviewed the 990✓Audited financials

Public support

65%

Share of support from the public (Schedule A) — the basis for its public-charity status.

Footprint & structure

Files a return copy in 1 state

OR

Part of a family of 2 related entities

  • Evergreen Business Capital Foundation · exempt
  • Evergreen Business Capital · exempt

Screen this organization

A dated, signed PDF of the compliance screen for EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE: 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.

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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 EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE?
EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE (Washington) receives grants from 3 organizations whose IRS filings report $459,704 to it, the largest being JPMORGAN CHASE FOUNDATION ($450,000). 1 of them have funded it in more than one year.
How many funders does EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE have?
IRS filings report 3 organizations giving $459,704 in grants to EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE, 1 of which have funded it in more than one year.
Who is the largest funder of EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE?
JPMORGAN CHASE FOUNDATION is the largest funder on record, with $450,000 in grants. The full list of funders is on this page.
How can an organization like EVERGREEN BUSINESS CAPITAL COMMUNITY FINANCE find more funders?
Start with the funders already giving here, then look at the foundations that back similar organizations in Washington. 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 2020–2025), and the filings of 3 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