2026-05-28T14:01:50-05:00 2025-09-30 840702965 Money Forward WhippleWood LLC 11852 Shaffer Dr Bldg B Littleton CO 80127 990 2024-10-01 263218152 Rocky Mountain Microfinance ROCK 7209415037 1824 Lincoln St Denver CO 80203 Jessica Sveen CEO 7209415037 2026-05-27 1 1 Mitchell A Clark CPA P01823166 3039897600 2026-05-27 2024 2025-03-06 01:10:19Z Jessica Sveen 2757406 0 X www.RMMFI.org X 2008 CO RMMFI creates the space for communities and people of all backgrounds to realize their unique potential through the power of entrepreneurship. RMMFI invests in entrepreneurs' personal and business development through a proven mix of classroom instructions, coaching, captial, and community. Since 2008, RMMFI has supported the launch or expansion of more than 785 businesses in Colorado, approximately 805 of which are owned by women and/or people of color. RMMFI has made loans totaling over $1,733,387 and experienced a 93% repayment rate. Intentionally built along the "Idea, Launch, and Thrive" business incubator pathway, RMMFI's programs help entrepreneurs build strong foundations in both their businesses and their lives. The Organization's holistic approach brings people, businesses, and coummunities together to allow indivduals to tap into the social and economic benefits of business ownership and create impact for their business, their household, and their community. 9 9 37 118 0 0 2982514 2625315 20877 116784 30383 15307 0 0 3033774 2757406 284500 142900 0 0 3339977 2400200 0 14026 341891 629771 494788 4254248 3051914 -1220474 -294508 2754290 2446252 700788 687258 2053502 1758994 RMMFI CREATES THE SPACE FOR COMMUNITIES AND PEOPLE OF ALL BACKGROUNDS TO REALIZE THEIR UNIQUE POTENTIAL THROUGH THE POWER OF ENTREPRENEURSHIP. RMMFI INVESTS IN ENTREPRENEURS' PERSONAL AND BUSINESS DEVELOPMENT THROUGH A PROVEN MIX OF CLASSROOM, COACHING 0 0 2468748 142900 116784 IDEA- EVERY ENTREPRENEUR'S JOURNEY STARTS WITH AN IDEA. WHETHER IN BUSINESS FOR A WHILE AND HAVEN'T SEEN THE RESULTS THEY'VE WANTED OR HAVE MULTIPLE IDEAS AND CAN'T DECIDE WHICH TO PURSUE, THE IDEA PHASE OF RMMFI'S PROGRAMMING HELPS BUILD THE FOUNDATIONS NEEDED FOR SUCCESS. INIDEA, QUALIFIED ENTREPRENEURS CAN RECEIVE: COHORT-BASED PROGRAMMING,MENTORSHIP, AND SEED CAPITAL.LAUNCH - AFTER COMPLETING THE IDEA PHASE, RMMFI INVITES QUALIFIEDENTREPRENEURS TO CONTINUE THEIR BUSINESS JOURNEY IN THE LAUNCH PHASE.JUST LIKE IT SOUNDS, LAUNCH IS ALL ABOUT HELPING GET BUSINESSES UP ANDRUNNING WITH AN ACTIONABLE PLANS AND ALL THE TOOLS AND SUPPORT THEYNEED. THE LAUNCH PHASE BEGINS WITH BUSINESS LAUNCH BOOT CAMP, A 2468748 1 1 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 66 0 1 37 0 0 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 0 0 0 1 0 0 0 1 1 1 1 1 1 1 1 0 CO X The Organization 7209415037 PO Box 48138 Denver CO 80204 Jay Whisenton Chair 3.00 X X 0 0 0 Rebecca Darling Secretry 3.00 X X 0 0 0 Deanna Mettler Treasurer 2.00 X X 0 0 0 Phil Workman Member 2.00 X 0 0 0 Edgar Aguilar Member 2.00 X 0 0 0 Vikki Fininen Member 2.00 X 0 0 0 Noel Carter Member 2.00 X 0 0 0 Briana Butler Member 2.00 X 0 0 0 Svetlana Mikhaylova Member 2.00 X 0 0 0 Jessica Sveen CEO 50.00 X 138693 0 0 Ryan Flanders Director 40.00 X 104062 0 0 242755 0 0 2 0 0 0 0 1239943 1385372 2625315 Contracts and Consulti 611430 87761 87761 Loan Collection Income 611430 18651 18651 Business Class Income 611430 9915 9915 Facility Rental Income 611430 457 457 116784 15307 15307 2757406 116784 0 15307 142900 142900 138693 111426 11553 15714 2261507 1816894 188384 256229 21990 17666 1832 2492 40667 32672 3389 4606 14026 14026 117871 94698 9816 13357 31112 24995 2592 3525 48334 38832 4026 5476 81760 65686 6811 9263 7370 5896 737 737 Direct Program Payments 101571 81602 8461 11508 Staff Development 26025 20908 2168 2949 Community Engagement 16760 13465 1396 1899 Dues & Memberships 1103 883 110 110 225 225 3051914 2468748 241275 341891 708411 198815 1062877 1286880 492383 520053 9318 319783 334363 27574 27574 0 0 161518 106141 2754290 2446252 134655 92888 400000 483300 166133 111070 700788 687258 X 1916861 1758994 136641 0 2053502 1758994 2754290 2446252 -294508 0 X 0 0 0 X 2312226 3523133 2719151 2981014 2145328 13680852 2312226 3523133 2719151 2981014 2145328 13680852 809787 12871065 1570 3593 21868 30383 15307 72721 13753573 0.93580 0.99570 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 27574 27574 0 0 Lease Liabilities 111070 111070 X 2757406 0 2757406 0 2757406 3051914 0 3051914 0 3051914 Part X, Line 2: The Organization follows the Accounting for Uncertainty in Income Taxes accounting standard, which requires the Organization to determine whether a tax position (and related tax benefit) is more likely than not to be sustained upon examination by the applicable taxing authority, based solely on the technical merits of the position. The Organization believes that it has appropriate support for any tax positions taken and, as such, does not have any uncertain tax postions that are significant to the financial statements, or which may effect RMMFI's tax exempt status. 1 Form 990, Part VI, Section A, line 8b Not applicable to the organization. No sub commitees operate on behalf of the organzaiton. Form 990, Part VI, Section B, line 11b THE FORM 990 WAS PREPARED BY AN INDEPENDENT CPA FIRM. THE EXECUTIVE DIRECTOR REVIEWED THE 990 IN DETAIL, AND THEN PROVIDED THE BOARD WITH A COPY FOR THEIR REVIEW BEFORE THE RETURN WAS FILED WITH THE IRS. Form 990, Part VI, Section B, line 12c EACH YEAR BOARD MEMBERS REVIEW AND SIGN A CONFLICT OF INTEREST STATEMENT DISCLOSING ANY POTENTIAL CONFLICTS. THE BOARD OF DIRECTORS, AS WELL AS THE EXECUTIVE DIRECTOR, ARE RESPONSIBLE FOR OVERSEEING THE POLICY. IF ACONFLICT OF NOTE SHOULD ARISE, IT WOULD BE ADDRESSED IN THE APPROPRIATE FORUM (BOARD MEETING, MANAGEMENT MEETING, OR TEAM MEETING) BY THE INDEPENDENT PARTIES PRESENT, AND A RESOLUTION WOULD BE DEFINED FOR HOW TO HANDLE THE CONFLICT. Form 990, Part VI, Section B, line 15 IN DETERMINING COMPENSATION AND BENEFITS FOR THE EXECUTIVE DIRECTOR AND OTHER DIRECTORIAL POSITIONS, THE INDEPENDENT MEMBERS OF THE BOARD REVIEWED COMPARABILITY DATA OF OTHER SIMILAR NON-PROFIT ORGANIZATIONS. ALL COMPENSATION RELATED DECISIONS AND DELIBERATIONS ARE DOCUMENTED IN THE BOARD MINUTES. IN DETERMINING COMPENSATION AND BENEFITS FOR THE EXECUTIVE DIRECTOR AND OTHER DIRECTORIAL POSITIONS, THE INDEPENDENT MEMBERS OF THE BOARD REVIEWED COMPARABILITY DATA OF OTHER SIMILAR NON-PROFIT ORGANIZATIONS. ALL COMPENSATION RELATED DECISIONS AND DELIBERATIONS ARE DOCUMENTED IN THE BOARD MINUTES. Form 990, Part VI, Section C, line 18 A copy of the 990 tax return is available for public review upon request of the organization. Form 990, Part VI, Section C, line 19 The organization makes documents related to governance, conflict of interest and financial statements available upon request of the organization.