Vermont · Nonprofit
EVERNORTH LOAN FUND INC
EVERNORTH LOAN FUND INC (Vermont) receives grants from 5 organizations whose IRS filings report $9,513,750 to it, the largest being FIDELITY INVESTMENTS CHARITABLE GIFT FUND ($9,250,000). 1 of them have funded it in more than one year, and 97% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
Against its field
EVERNORTH LOAN FUND INC holds deeper cash reserves than three-quarters of the 3,969 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 3,969 housing & shelter nonprofits $1M–$10M, 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.
- The University of Vermont Medical Centerlocalportfolio match
- Vermont Low Income Trust for Electricity Incportfolio match
- United Way of Northwest Vermont Inclocal
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: 2020 13% · 2021 50% · 2022 67% · 2023 86%. Grants only. Government contracts and fees sit inside program revenue.
95% of EVERNORTH LOAN FUND INC’s revenue is contributions — more reliant on donations than three-quarters of its peers (39% 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
2017 → 2020: the base broadened from 1 funder to 2 funders, grant income fell $145k → $64k.
1 of 5 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 97% 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 EVERNORTH LOAN FUND INC’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
EVERNORTH LOAN FUND INC leans on a few funders — its largest provides 97% 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
100% 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 EVERNORTH LOAN FUND INC.
Largest funder’s share by year: 2017 100% · 2019 91% · 2020 59% — 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
97% of EVERNORTH LOAN FUND INC's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $264k that is directly attributable, 88% of it comes from Vermont funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $9.3M arriving through sponsors registered in 1 stateis 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.
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. Your 5 funders put you under-funded among the 400 organizations that share them.
- The University of Vermont Medical Centerlocalportfolio matchVT · funds 43 organizations near you · its grantees resemble your mission
- Vermont Low Income Trust for Electricity Incportfolio matchits grantees resemble your mission
- United Way of Northwest Vermont InclocalVT · funds 63 organizations near you
- Lintilhac Foundation Incportfolio matchits grantees resemble your mission
- Roc USA LLCportfolio matchits grantees resemble your mission
- L Z Francis Foundation Imaportfolio matchits grantees resemble your mission
- Bowdoin Apartments Corporationportfolio matchits grantees resemble your mission
- Alcyon Foundationportfolio matchits grantees resemble your mission
- Vermont State Employees Credit Unionportfolio matchits grantees resemble your mission
- Northern Forest Center Incportfolio matchits grantees resemble your mission
- Rutland Hospital Incportfolio matchits grantees resemble your mission
- Fanny Allen CorporationlocalMA · funds 28 organizations near you
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 EVERNORTH LOAN FUND INC receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $3.4M on record.
- Department of the Treasury$3.4M
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 EVERNORTH LOAN FUND INC
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 Vermont
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
100% of spending goes to programs.
Governance
Public support
93%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Part of a family of 206 related entities
- Hv Nonprofit · exempt
- Vernon Senior Housing · exempt
- Hv Real Estate Holdings Inc · exempt
- Evernorth Inc · exempt
- 1 Enrv 2008 LLC · partnership
Screen this organization
A dated, signed PDF of the compliance screen for EVERNORTH LOAN FUND 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. How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds EVERNORTH LOAN FUND INC?
- EVERNORTH LOAN FUND INC (Vermont) receives grants from 5 organizations whose IRS filings report $9,513,750 to it, the largest being FIDELITY INVESTMENTS CHARITABLE GIFT FUND ($9,250,000). 1 of them have funded it in more than one year, and 97% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does EVERNORTH LOAN FUND INC have?
- IRS filings report 5 organizations giving $9,513,750 in grants to EVERNORTH LOAN FUND INC, 1 of which have funded it in more than one year.
- Who is the largest funder of EVERNORTH LOAN FUND INC?
- FIDELITY INVESTMENTS CHARITABLE GIFT FUND is the largest funder on record, with $9,250,000 in grants. The full list of funders is on this page.
- How can an organization like EVERNORTH LOAN FUND INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Vermont. 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 5funders 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