SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING Charity Report

Public IRS 990 nonprofit record

SOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING

EIN 62-1823596 · Employment Preparation & Procurement (J20)

What they do

to PROVIDE LENDING SOLUTIONS and EDUCATIONAL SERVICES WHICH SUPPORT THE DEVELOPMENT, GROWTH, and PRESERVATION of UNDERSERVED SMALL BUSINESSES, AFFORDABLE HOUSING, and SUSTAINABLE COMMUNITIES.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $94.60 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders23 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

43.23%of revenue went to mission work94.6% of expenses · Program services

0.03%of revenue went to fundraising0.1% of expenses

$45.72spent for every $100 of revenueRevenue covered expenses this year.

2.46%of revenue went to management and office costs5.4% of expenses

$12.37in assets for every $1 spent this yearSome assets cannot be spent right away.

67.2%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $577,786 for CLINT GWIN (PRESIDENT AND CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$65,102,054

Mission workProgram services$28,146,62043.23% of revenue94.6% of expenses

ManagementOffice and general costs$1,600,7492.46% of revenue5.4% of expenses

FundraisingAsking for donations$19,9530.03% of revenue0.1% of expenses

Revenue left after expensesReported annual surplus$35,334,73254.28% of revenueShown in gray on the chart

Total expenses$29,767,32245.72% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2024CurrentExpense mix: 94.6% mission · 5.4% management · 0.1% fundraisingTotal expenses: 45.72% of revenue

2023Expense mix: 95.1% mission · 4.7% management · 0.2% fundraisingTotal expenses: 68.33% of revenue

2022Expense mix: 96.4% mission · 3.6% management · 0.0% fundraisingTotal expenses: 85.81% of revenue

2021Expense mix: 93.5% mission · 6.5% management · 0.0% fundraisingTotal expenses: 58.79% of revenue

2020Expense mix: 96.3% mission · 3.7% management · 0.0% fundraisingTotal expenses: 91.37% of revenue

2019Expense mix: 93.3% mission · 6.7% management · 0.0% fundraisingTotal expenses: 72.71% of revenue

2018Expense mix: 95.8% mission · 4.2% management · 0.0% fundraisingTotal expenses: 105.38% of revenue

2017Expense mix: 93.6% mission · 6.2% management · 0.2% fundraisingTotal expenses: 57.41% of revenue

Money in and money out

Revenue$65,102,054

Expenses$29,767,322

Annual surplus $35,334,732 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$28,146,620 · 94.6% of expenses

Management and office costs$1,600,749 · 5.4% of expenses

Fundraising$19,953 · 0.1% of expenses

See all reported dollar amounts

Revenue$65,102,054

Expenses$29,767,322

Assets$368,094,372

Income$65,102,054

Contributions$43,780,526

Mission work (program services)$28,146,620

Fundraising$19,953

Grants given$11,297,080

Average grant$18,923

Management and general$1,600,749

Accounting fees$89,560

People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

CLINT GWINPRESIDENT AND CEO · 50 hrs/week $577,786Base $562,522 · Other $15,264

BARBARA HARRISEVP AND CFO (END 6/24) · 50 hrs/week $427,886Base $411,193 · Other $16,693

AMY BUNTONEVP AND COO · 50 hrs/week $409,800Base $377,356 · Other $32,444

HANK HELTONEVP AND SECRETARY · 50 hrs/week $399,654Base $382,330 · Other $17,324

RICHARD BIRDEVP AND CFO · 50 hrs/week $297,173Base $280,293 · Other $16,880

DANIEL WILSONSVP- LOAN OPERATIONS · 50 hrs/week $252,669Base $240,064 · Other $12,605

JAMES MIKE BLACKWELLSVP- CHIEF CREDIT OFFICER · 50 hrs/week $229,440Base $228,688 · Other $752

LESLIE HAYESSVP- EDUCATION AND ENTRE · 50 hrs/week $221,925Base $197,857 · Other $24,068

LORI ROCHELLESVP- CHIEF PEOPLE OFFICER · 50 hrs/week $211,035Base $201,503 · Other $9,532

JONATHAN EISENVP LENDING · 50 hrs/week $194,038Base $167,557 · Other $26,481

LORRAINE BIGGSSVP- CONTROLLER · 50 hrs/week $176,057Base $163,271 · Other $12,786

PAUL HOFFMANNSVP- ECONOMIC & SOCIAL IMPACT · 50 hrs/week $171,706Base $158,407 · Other $13,299

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (23)

CLINT GWINPRESIDENT AND CEO

BARBARA HARRISEVP AND CFO (END 6/24)

AMY BUNTONEVP AND COO

HANK HELTONEVP AND SECRETARY

RICHARD BIRDEVP AND CFO

DANIEL WILSONSVP- LOAN OPERATIONS

JAMES MIKE BLACKWELLSVP- CHIEF CREDIT OFFICER

LESLIE HAYESSVP- EDUCATION AND ENTRE

LORI ROCHELLESVP- CHIEF PEOPLE OFFICER

JONATHAN EISENVP LENDING

LORRAINE BIGGSSVP- CONTROLLER

PAUL HOFFMANNSVP- ECONOMIC & SOCIAL IMPACT

KEITH HICKEYSVP- LENDING

BRANDON ENGLANDSVP- SUSTAINABILITY PROGRAMS

IVANETTA DAVIS-SAMUELSVICE CHAIRMAN

TOM HUNTERDIRECTOR (END 5/24)

LEROY ABRAHAMSDIRECTOR (START 5/24)

JON DAVIESDIRECTOR (END 5/24)

HUGH QUEENERDIRECTOR

DR WILLIAM H HERB BYRD IIICHAIRMAN

DAVE BEREZOVDIRECTOR

CINDY HERRONDIRECTOR

ANDRE GISTDIRECTOR

About this charity

Recognized since: January 2006
Location: 201 VENTURE CIR, NASHVILLE, TN 37228-1603
County: Davidson
In care of: CLINT GWIN
Primary officer: CLINT GWIN, PRESIDENT

How to reach them

WebsiteVisit the charity’s website Emailcrcomplaints@treasury.gov Phone(615) 425-7171 Officer phone(615) 254-6113

Filing and classification

Latest tax year: 2024
Tax period began: January 1, 2024
Return type: 990
Tax preparer: KRAFTCPAS PLLC
NTEE classification: Employment Preparation & Procurement (J20)
IRS tax category: Employment Preparation & Procurement
Grant-giving organization: Yes