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Utah Microenterprise Loan Fund

Provide funding and management assistance to new and existing businesses that are not able to access traditional sources of funding; including those who are members of the low/moderate …

Advocacy & Civil Rights Salt Lake City, UT EIN: 870495534 (IRS) Sign up to see website
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71
Integrity Assessment
Strong transparency
71/100 · methodology

About Utah Microenterprise Loan Fund

Utah Microloan Fund | Small Business Loans & Training in Utah

Founded
Headquarters
Salt Lake City, UT
Foundation type
Publicly-supported charity (509(a)(2))
NTEE code
W60Z
IRS subsection
501(c)(03)
Ruling date
Size
medium

Verified certifications

Confirmed against the issuing authority - not self-reported.

IRS Tax-Deductible since 1992

Mission

Provide funding and management assistance to new and existing businesses that are not able to access traditional sources of funding; including those who are members of the low/moderate income community.

Focus areas & reach

· What they work on and where
Cause tags
SDG alignment The 17 UN Sustainable Development Goals (SDGs) are the global agenda for ending poverty, protecting the planet, and ensuring prosperity by 2030. We tag each charity to the goals its work advances.

How it stacks up against peers

· vs. 8 similar advocacy & civil rights in United States
Program spending This charity: 62%
Peer average: 80%
CEO comp as % of revenue This charity: 22.72%
Peer average: 0.48%
Integrity Assessment This charity: 71
Peer average: 90

Concerns

· 1 red flag
High Executive Pay
Top executive compensation is 10.9% of total expenses ($125,001 of $1,142,244).

Where every $1 goes

· FY2024 · IRS 990 (FY2024)
$0.62
Program$0.62

GiveRadar Analysis

Original analysis from GiveRadar's dataset of comparable organizations

GiveRadar's verified records show Utah Microenterprise Loan Fund with a complete profile, cross-referenced across 4 independent sources including the IRS.

  • It has more complete governance disclosure than nearly all similar organizations, because GiveRadar has verified leadership, executive compensation, a mission statement and a founding date. See national comparisons
  • Established in 1991, it predates 78% of the advocacy & civil rights charities in the United States GiveRadar has a founding year for. View this cohort
  • Its integrity score of 71 places it in the top 25% of the 128,026 advocacy & civil rights charities in the United States GiveRadar tracks, because GiveRadar has verified its financial disclosures and its governance. View this cohort
GiveRadar has verified
  • government registration
  • financial records (5 filed years)
  • disclosed leadership
  • a website
  • third-party accreditation
Not yet verified by GiveRadar
  • a contact email
  • a donation page
  • an owner-submitted profile claim

Analysis based on GiveRadar's benchmark dataset of 2026-07-03. It describes what GiveRadar has verified, not a judgment of the organization itself.

Common questions

· Auto-generated from filings + methodology

Utah Microenterprise Loan Fund is a registered advocacy & civil rights nonprofit based in Salt Lake City, UT, United States. It is registered with the Internal Revenue Service (IRS). It was founded in 1991 and has been operating for 35 years. Its EIN is 870495534. According to GiveRadar's records, it holds active tax-deductible status on the IRS Publication 78 list, which means donations are tax-deductible and the organization is in good standing with the IRS. GiveRadar's Integrity Assessment for the organization is 71/100, which reflects how much public information is available, not whether the charity is legitimate. The organization reports $550K in annual revenue. 88 officers and directors are publicly disclosed. GiveRadar has identified 1 potential concern.

Utah Microenterprise Loan Fund's EIN (Employer Identification Number) is 870495534. This is the organization's IRS tax identification number; you can use it to verify tax-exempt status and to look up its Form 990 filings with the IRS.

Utah Microenterprise Loan Fund has a GiveRadar Integrity Assessment of 71/100. This score combines five components: Registration (20 pts), Financial Transparency (30 pts), Governance (20 pts), Contact Availability (10 pts), and Data Recency (20 pts), with negative adjustments for any red flags. A score of 71 ('Strong transparency') reflects well-documented governance, recent financials, named leadership, and working contact details. For comparison, the average integrity assessment for advocacy & civil rights charities in United States is 90/100.

Utah Microenterprise Loan Fund is located in Salt Lake City, UT, United States. The organization was established in 1991 and has been active for 35 years.

Based on official tax filings, Utah Microenterprise Loan Fund has $550K in annual revenue. It allocates 62% of expenses to programs and services. This is below the average of 80% for advocacy & civil rights charities in United States. Its revenue is below the peer average of $4M. Create a free GiveRadar account to view the complete financial breakdown with year-over-year trends.

Utah Microenterprise Loan Fund is classified as an Advocacy & Civil Rights organization, registered in United States. It operates as a Publicly-supported charity (509(a)(2)). By size, it is categorized as a medium organization. It has $550K in annual revenue. The organization has 88 disclosed officers and directors.

GiveRadar has identified 1 potential concern for Utah Microenterprise Loan Fund. Red flags are automatically detected from official data and may include high executive compensation relative to budget, low program spending, or missing financial filings. Red flags do not necessarily mean wrongdoing but indicate areas that may warrant further review before donating.

According to GiveRadar's records, Utah Microenterprise Loan Fund holds active tax-deductible status on the IRS Publication 78 list, which means donations are tax-deductible and the organization is in good standing with the IRS. It is registered with the Internal Revenue Service (IRS). It reports that 62% of expenses go to programs (the peer average is 80%). GiveRadar provides data for research and does not endorse any organization. A GiveRadar Integrity Assessment reflects how much public data is available, not whether an organization is safe to donate to, so it is always smart to do your own research before giving.

Utah Microloan Fund | Small Business Loans & Training in Utah Utah Microenterprise Loan Fund is classified as an advocacy & civil rights organization registered in United States. The organization was founded in 1991.

Among advocacy & civil rights charities registered in United States: It allocates 62% of expenses to programs, below the peer average of 80%. Its annual revenue of $550K is below the peer average of $4M.

Yes, donations to Utah Microenterprise Loan Fund are generally tax-deductible in the United States. Utah Microenterprise Loan Fund is a 501(c)(3) tax-exempt organization. Its EIN is 870495534, which you can use for tax filing purposes. Donors can typically deduct contributions on their federal income tax return if they itemize deductions. Consult a tax professional for guidance specific to your situation.

Annual revenue
$100K-$1M
62% to programs
Source: IRS 990 (FY2024) why this matters
Unlock exact figures

Filing history

5 years on file from IRS 990 (FY2024): revenue, expenses, program spending, assets, and liabilities by fiscal year.

Years on record: FY2024, FY2023, FY2022, FY2021, FY2020.
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Taxes

Tax-deductibility for donors

Donations may be tax-deductible for residents of United States under local rules. Confirm with the charity directly.

Always confirm tax treatment with the charity directly or your tax advisor before donating.

Staff & volunteers

From filings and published profiles

Employees
8

Leadership

From FY2024 filing

DO
Doug K••••
Executive Director

Officers & trustees (25)

Source: Public filings

See full names, roles, and stories

25 officers and trustees on file - free with a GiveRadar account.

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Latest news

From global news sources

1 article found

From news sources and the organization. Shown for transparency; news never affects the integrity score.

Activity timeline

Filings and press mentions, merged

Form filed
$0.6M revenue
FY2024
IRS 990
Form filed
$0.5M revenue
FY2023
IRS 990
Form filed
$0.8M revenue
FY2022
IRS 990
Form filed
$0.7M revenue
FY2021
IRS 990
Form filed
$0.7M revenue
FY2020
IRS 990
Need help with your small business idea? This Utah loan fund gives you more than money - The Salt Lake Tribune
Mar 2017
archive.sltrib.com

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Cause areas in United States

How many charities work in each area, with this charity's area highlighted.

Human Services 322,679
Education 195,586
Arts & Culture 133,128
Advocacy & Civil Rights this charity 128,026
Religion 114,636
Health 98,862
Community Development 56,086
Youth Development 53,450
See all cause areas in United States

Most common causes in United States

Causes charities work on most.

Community Development 235,146
Education 159,016
Religion 103,741
Arts & Culture 101,203
Human Rights 76,926
Health 65,250
Youth Development 47,775
Animal Welfare 32,425

Sources and verification

Registration and legal identity
Internal Revenue Service (IRS) - Tax Exempt Organization Search
Financial filings
IRS Form 990 filings - Fiscal year 2024 most recent on file.
Officers and trustees
Internal Revenue Service (IRS) - Tax Exempt Organization Search - 88 disclosed in the public registry.
News and media coverage
GDELT Project + Google News
Supplementary verification
Charity Navigator

Data freshness

Last updated
Jun 12, 2026
Registry checked
Jun 6, 2026
Profile completeness
100%

What we know and don't know

Exactly which public data we hold on this charity. Our score reflects transparency, not impact.

On record · 10
  • Financial data · FY2024 on record
  • Named leadership · 88 officers on file
  • Executive pay · Disclosed
  • Government registration · Registered with an official registry
  • Mission statement · Published
  • Official website · On record
  • Headquarters address · On file
  • Direct contact · Email or phone published
  • Tax-deductibility · Verified
  • Founding date · 1991
Not available · 1
  • Programs & activities
    No named programs listed by the charity

Methodology

GiveRadar builds each profile primarily from official government charity registries, supplemented where available by third-party nonprofit databases and news archives, and combines it into a single 0-100 integrity assessment. The exact sources for this charity are listed above. We don't take a cut of any donation, ever.

Read full methodology

Are you the owner or a board member?

If you represent this organization and want to correct or update its data, you can claim this listing to edit details yourself, or email [email protected] with the correct information. We review every request and respond within 30 days.

Quick facts about Utah Microenterprise Loan Fund

What is Utah Microenterprise Loan Fund?
Utah Microenterprise Loan Fund is a advocacy & civil rights publicly-supported charity (509(a)(2)) based in Salt Lake City, United States. Utah Microloan Fund | Small Business Loans & Training in Utah
When was Utah Microenterprise Loan Fund founded?
Utah Microenterprise Loan Fund was founded in 1991.
Who leads Utah Microenterprise Loan Fund?
Doug Keefe serves as Executive Director.
Where is Utah Microenterprise Loan Fund located?
Headquartered in Salt Lake City, UT, United States.
What is Utah Microenterprise Loan Fund's annual budget?
Annual revenue for fiscal year 2024 is approximately $100K-$1M. 62% of expenses go to program services.
Is Utah Microenterprise Loan Fund trustworthy?
Utah Microenterprise Loan Fund has a GiveRadar Integrity Assessment of 71 out of 100 (Strong transparency). The score reflects public-data transparency: registration, financial disclosure, governance, contact details, and how recently data was refreshed. It does not measure program impact.
What is Utah Microenterprise Loan Fund's registration number?
IRS EIN: 870495534.
What is Utah Microenterprise Loan Fund's website?
http://www.umlf.com