2026-02-10T08:41:00-06:00 2025-06-30 580692043 MAULDIN & JENKINS LLC 200 W MLK BLVD STE 1100 CHATTANOOGA TN 374021239 990 2024-07-01 581494630 BRIGHTBRIDGE INC BRIG 4234244220 506 BROAD STREET CHATTANOOGA TN 37402 BILL POLLARD CEO 4234244227 2026-02-05 1 0 BRIDGET BUSH P00234609 4237566133 2026-02-05 2024 2025-03-06 01:10:19Z BILL POLLARD 506 BROAD STREET CHATTANOOGA TN 37402 10405323 0 X WWW.BRIGHTBRIDGEINC.ORG X 1981 TN 501(C)(3) THAT PROMOTES ECONOMIC DEVELOPMENT BY PROVIDING LOANS AND TECHNICAL ASSISTANCE. 14 13 20 13 0 0 0 0 10568148 10290988 105247 102020 4412 12315 10677807 10405323 0 0 0 0 2163884 2440711 0 0 0 6442944 6939121 8606828 9379832 2070979 1025491 161141804 162669812 151520657 150637147 9621147 12032665 X PROMOTION AND ASSISTANCE OF ECONOMIC DEVELOPMENT THROUGH BUSINESS FINANCING AND PROVIDING TECHNICAL ASSISTANCE 0 0 5601491 6791377 SMALL BUSINESS LENDING PROGRAM - PROGRAM A PROVIDES LOANS TO SMALL AND STARTUP BUSINESSES THAT ARE LOCATED IN QUALIFIED AREAS LOANS THAT CAN BE USED FOR ACQUISITION OF LAND, LAND IMPROVEMENTS, BUILDING CONSTRUCTION, PURCHASE OF BUILDINGS, RENOVATION OF BUILDINGS, AND PURCHASE OF MACHINERY, OR EQUIPMENT. PROGRAM B PROVIDES BUSINESSES (BOTH FOR-PROFIT AND NOT-FOR-PROFIT) LOCATED IN DESIGNATED LOW-INCOME CENSUS TRACTS OR OWNED BY MEMBERS OR A TARGETED POPULATION, WHICH INCLUDES LOW-INCOME PERSONS AND ELIGIBLE MINORITIES, WITH LOANS THAT CAN BE USED FOR MOST BUSINESS PURPOSES, INCLUDING WORKING CAPITAL, FIXED ASSETS, AND OTHERS. 2034080 1702399 SBA COMMUNITY ADVANTAGE - LOANS TO SMALL AND STARTUP BUSINESSES FOR USE IN NORMAL BUSINESS OPERATIONS TO FINANCE WORKING CAPITAL NEEDS, EQUIPMENT PURCHASES, OR EXPANSION PROJECTS. LOANS ARE REPAID BY BUSINESS CASH FLOWS. 590183 1797212 NEW MARKET TAX CREDIT PROVIDES CAPITAL TO BUSINESSES LOCATED IN DISTRESSED COMMUNITIES 19255 GEORGIA RURAL DEVELOPMENT RELENDING FUND - PROVIDES SMALL AND STARTUP BUSINESSES THAT ARE LOCATED IN QUALIFIED AREAS LOANS THAT CAN BE USED FOR ACQUISITION OF LAND, LAND IMPROVEMENTS, BUILDING CONSTRUCTION, PURCHASE OF BUILDINGS, RENOVATION OF BUILDINGS, AND PURCHASE OF MACHINERY, OR EQUIPMENT. 19255 8245009 1 0 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 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 27 0 1 20 1 0 0 0 0 0 0 0 0 0 0 0 0 X 14 13 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 X BILL POLLARD 4234244220 506 BROAD STREET CHATTANOOGA TN 37402 BILL POLLARD PRESIDENT & CEO 40.00 X X 220000 0 20655 CLEM RENFRO CHAIR 2.00 X X 0 0 0 ABBY GARRISON VICE CHAIR 2.00 X X 0 0 0 BOB CANTLER DIRECTOR 2.00 X 0 0 0 ANGELA CONNER DIRECTOR 2.00 X 0 0 0 CHRISTINA EDWARDS DIRECTOR 2.00 X 0 0 0 KIRK GOEHRING DIRECTOR 2.00 X 0 0 0 JEFF LAND DIRECTOR 2.00 X 0 0 0 RYAN MURPHY DIRECTOR 2.00 X 0 0 0 MICHAEL OWENS DIRECTOR 2.00 X 0 0 0 GARY PETTY DIRECTOR 2.00 X 0 0 0 LES RODDY DIRECTOR 2.00 X 0 0 0 JACK SAMPLE DIRECTOR 2.00 X 0 0 0 LINDSAY THEOBALD DIRECTOR 2.00 X 0 0 0 MONICA BLANTON SENIOR VICE PRESIDENT 40.00 X 230614 0 28698 AVERY BOGGESS SECRETARY & VP 40.00 X 132339 0 16462 CHARLES MILLIRONS SENIOR VICE PRESIDENT 40.00 X 118995 0 15149 MIKE HOWARD VICE-PRESIDENT 40.00 X 101725 0 19745 SHOSHANNAH WALKER FINANCIAL OFFICER 40.00 X 90339 0 22833 PRESTON WAY RELATIONSHIP MANAGER 40.00 X 101250 0 14496 995262 0 138038 6 0 1 0 0 LOAN INTERST INCOME 525990 7319176 7319176 MANAGEMENT FEES 525990 1795623 1795623 SERVICING FEES 525990 706787 706787 LOAN FEES 525990 469402 469402 10290988 102020 102020 OTHER INCOME 525990 12315 12315 12315 10405323 10290988 0 114335 1237465 950565 286900 815128 525196 289932 388118 273248 114870 235353 235353 131129 93357 37772 62264 62264 6947 6947 14730 2213 12517 144707 144707 125245 89102 36143 4689150 4689150 7476 7476 75167 75167 CREDIT LOSS PROVISION 1089430 1089430 TRAINING 120849 101279 19570 EQUIPMENT AND SOFTWARE 106348 82643 23705 LOAN CLOSING COSTS 93043 93043 37283 13483 23800 9379832 8245009 1134823 0 32337070 33012482 228896 451526 127156834 127871832 83399 163768 216362 208583 15255 7779 46088 47676 1274262 1114749 161141804 162669812 1004416 725907 149700894 149163382 815347 747858 151520657 150637147 X 9621147 12032665 9621147 12032665 161141804 162669812 X 1025491 1386027 X 0 1 X 0 0 X 2905607 3468343 6828378 10673395 10290988 34166711 2905607 3468343 6828378 10673395 10290988 34166711 0 0 0 34166711 21000 21000 21000 21000 27771 4843 4092 4412 12315 53433 2954378 3473186 6832470 10677807 10303303 34241144 0.99780 0.99590 0.00060 0.00190 X 47961 47961 0 168401 160622 7779 7779 UNEARNED REVENUE 52005 LEASE LIABILITY 695853 747858 X 10405323 0 10405323 0 10405323 9379832 0 9379832 0 9379832 PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. HOWEVER, INCOME FROM CERTAIN ACTIVITIES NOT DIRECTLY RELATED TO THE ORGANIZATION'S TAX-EXEMPT PURPOSE WOULD BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. THE ORGANIZATION ACCOUNTS FOR INCOME TAXES IN ACCORDANCE WITH INCOME TAX ACCOUNTING GUIDANCE IN ASC TOPIC 740. THE ORGANIZATION FOLLOWS THE STATUTORY REQUIREMENTS FOR ITS INCOME TAX ACCOUNTING AND GENERALLY AVOIDS RISKS ASSOCIATED WITH POTENTIALLY PROBLEMATIC TAX POSITIONS THAT MAY BE CHALLENGED UPON EXAMINATION. MANAGEMENT BELIEVES ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING ADDITIONAL INCOME TAXES FROM ACTIVITIES DEEMED TO BE UNRELATED TO THE ORGANIZATION'S NON-TAXABLE STATUS WOULD NOT HAVE A MATERIAL EFFECT ON THE ORGANIZATION'S FINANCIAL STATEMENTS. THE ORGANIZATION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS, HOWEVER, THERE ARE CURRENTLY NO TAX AUDITS IN PROGRESS. 0 0 0 0 0 0 0 0 0 MONICA BLANTON SENIOR VICE PRESIDENT 230614 0 0 0 0 0 13837 0 14861 0 259312 0 0 0 BILL POLLARD PRESIDENT & CEO 220000 0 0 0 0 0 13200 0 7455 0 240655 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY AN INDEPENDENT PUBLIC ACCOUNTING FIRM AND SUBMITTED TO THE PRESIDENT AND CEO FOR REVIEW AND APPROVAL. AFTER REVIEW AND APPROVAL, THE FORM 990 IS THEN DISTRIBUTED TO ALL BOARD MEMBERS BEFORE FILING. FORM 990, PART VI, SECTION B, LINE 12C ALL BOARD MEMBERS SIGN A DIRECTORS CERTIFICATION REQUIRED BY SBA. THIS INCLUDES A CONFLICT OF INTEREST POLICY. BOARD MEMBERS ARE EXPECTED TO ABSTAIN FROM VOTING IF THERE IS A CONFLICT OF INTEREST. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION OF THE EXECUTIVE DIRECTOR AND KEY EMPLOYEES ARE SUBJECT TO REVIEW AND APPROVAL OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 DOCUMENTS OPEN TO PUBLIC INSPECTION ARE AVAILABLE AT THE OFFICE UPON REQUEST. FORM 990, PART XI, LINE 9: EXCESS OF ASSETS ACQUIRED OVER LIABILITIES ASSUMED IN ACQUISITIONS 1,386,027. FORM 990, PART XII, LINE 2C OVERSIGHT OF OUR AUDIT, REVIEW OF OUR FINANCIAL STATEMENTS, AND SELECTION OF OUR INDEPENDENT ACCOUNTANTS IS ASSUMED BY THE FINANCE COMMITTEE. RIVER GORGE CAPITAL LLC 506 BROAD STREET CHATTANOOGA TN 37402 452484255 CONSULTING / FINANCIAL STRATEGY TN RELATED 674 44630 0 0 0.99000 APPALACHIAN FUND FOR GROWTH LLC 506 BROAD STREET CHATTANOOGA TN 37402 412106513 CONSULTING / FINANCIAL STRATEGY TN RELATED 2025 0 0 0.99000 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 RIVER GORGE CAPITAL GROUP LLC L 1795623 CASH