Tennessee · Nonprofit
SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING
SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING (Tennessee) receives grants from 22 organizations whose IRS filings report $33,654,344 to it, the largest being Goldman Sachs Philanthropy Fund ($30,000,000). 10 of them have funded it in more than one year, and 93% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2024
- $65M
- Funders on record
- 22
- Grants received
- $34M
- Net assets
- $97M
What Southeast Community Capital Corporation D/B/A Pathway Lending does
Mission
To provide lending solutions and educational services which support the development, growth, and preservation of underserved small businesses, affordable housing, and sustainable communities.
As stated on its FY2024 Form 990.
Programs
Lending program: as a community development financial institution (cdfi) certified by the u.s. Department of the treasury, southeast community capital dba pathway lending provides financing for affordable multifamily housing and loans to qualified small and disadvantaged businesses through various government and non-profit lending programs, including: u.s. Small business administration (sba), u.s. Treasury department certified community development financial institution (cdfi), the appalachian regional commission (arc), the tennessee rural opportunity fund, the tennessee energy efficiency loan program, the tennessee small business job opportunity fund and the alabama small business job opportunity fund, etc. We focus our activities on underserved target markets that include businesses located in qualified investment areas (as defined by low-income census tracts, poverty rates, and unemployment statistics), and african american owned businesses. Our service area includes tennessee and alabama, as well as portions of mississippi, arkansas, and kentucky.southeast community capital corporation made 147 loans and lines of credit totaling more than $16.7mm to support the creation,…
$25,379,648 spentof which $6,878,906 as grants$20,744,596 earned by the program90% of program spendingEducational program: southeast community capital corporation provides business education and technical assistance to small and disadvantaged businesses through various government and non-profit support programs, including: the u.s. Small business administration and various foundations. Southeast community capital corporation provides this through various internal programs, such as the pathway lending business advisory services team, emerging developer program, women's business center, and veterans business outreach center. The assistance includes access to financial services, access to capital needs and includes classroom education, 1-on-1 assistance, and peer learning.in 2024 southeast community capital corporation provided 14,957 hours of education; 9,399 were in classroom/events settings, 5,558 were one-on-one counseling sessions. There were 2,874 unique education clients served, 74% were representative of pathway lending's cdfi target markets (as defined by being located in qualified low-to-moderate income census tracts, or having a majority low-income or minority owner), with 40% being female, and 53% being african american. There were 73 classes, networking events, and…
$2,766,972 spentof which $5,250 as grants$576,932 earned by the program10% of program spending
The 2 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $28,146,620.
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 2020 to 2021, from $191M to $264M (+39%).
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 23% · 2018 24% · 2019 40% · 2020 38% · 2021 22% · 2022 40% · 2023 29% · 2024 7%. Grants only. Government contracts and fees sit inside program revenue.
67% of SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING’s revenue is contributions — more donation-reliant than the typical peer (13% 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
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
Clint Gwin
President and CEO
Board chair
Dr William H Herb Byrd Iii
Chairman
As listed on its FY2024 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 2 funders to 7 funders, grant income rose $29k → $524k.
4 of 22 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 93% 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 SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING’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
SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING leans on a few funders — its largest provides 89% of grant income and the top three 93%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
96% 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 SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING.
Largest funder’s share by year: 2017 63% · 2018 78% · 2019 57% · 2020 54% · 2021 37% · 2022 31% · 2023 57% — 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
40% of SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING's funders are still giving 3 years after their first grant; 45% 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
93% of SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING'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 $2.5M that is directly attributable, 56% of it comes from funders outside Tennessee, across 10 states.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $31M 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
SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING runs a healthier operating margin than three-quarters of the 441 employment nonprofits its size.
this organization peer median middle 50% of peers· 441 employment nonprofits $10M–$100M, FY2024
Government funding SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $17.7M on record.
- Department of the Treasury$9.8M
- Small Business Administration$6.9M
- Appalachian Regional Commission$1.0M
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 SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING
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 Tennessee
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
95% of spending goes to programs.
Governance
Public support
95%
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 5 related entities
- Pathway Memphis LLC · disregarded
- Pathway Lending Cde Advisors LLC · partnership
- Pathway Lending Cde LLC · partnership
- Pl Birchstone Village Inc · corp_trust
- Pl Autumn Lake Inc · corp_trust
Screen this organization
A dated, signed PDF of the compliance screen for SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING: 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 SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING?
- SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING (Tennessee) receives grants from 22 organizations whose IRS filings report $33,654,344 to it, the largest being Goldman Sachs Philanthropy Fund ($30,000,000). 10 of them have funded it in more than one year, and 93% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING have?
- IRS filings report 22 organizations giving $33,654,344 in grants to SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING, 10 of which have funded it in more than one year.
- Who is the largest funder of SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING?
- Goldman Sachs Philanthropy Fund is the largest funder on record, with $30,000,000 in grants. The full list of funders is on this page.
- How can an organization like SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Tennessee. 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 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