American Factoring Association
Nonprofit profile at a glance
- EIN
- 270499297
- IRS 990 coverage
- 2012–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024, Form 990-EZ 2011, Form 990-N 2009
- Location
- San Luis Obispo, CA, US
- Phone
- 888-425-2119
- Rating confidence
- Limited
- Sector
- Chambers of Commerce & Business Leagues
Reported finances
- Revenue
- $290,550
- Expenses
- $238,807
- Assets
- $351,882
- Liabilities
- $0
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
23 people listed
Executive titles in this filing
- ROBYN BARRETT (PRESIDENT)
- BOB ZADEK ESQ (VICE PRESIDENT)
- TANIA DANIEL (EXECUTIVE DIRECTOR)
People named in this filing
- ROBYN BARRETT (PRESIDENT)
- BOB ZADEK ESQ (VICE PRESIDENT)
- MELISSA DONALD (SECRETARY)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The American Factoring Association (AFA) was founded in 2009 with the sole purpose of educating the public and policymakers on the availability of working capital for financing America's small businesses and to conduct efforts in support of increasing working capital financing.
What it reported doing in 2024
To educate the public and policymakers on the availability of working capital for financing america's small businesses and to conduct efforts in support of increasing working capital financing.
Operating model
- Revenue model
- Membership-supported. 100% of the money available for current operations came from membership dues.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 92
- Accountability: 70
- Sustainability: 66
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 2 of 7 controls in place; rating input score 29
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 17.8%; rating input score 71; 71st percentile among comparable filings
- Total-asset coverage ratio: 1.47; rating input score 51; 51st percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 80; 80th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 69; 69th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 2% per year; rating input score 100; 35th percentile among comparable filings
- Asset growth: 8.8% per year; rating input score 100; 62nd percentile among comparable filings
Details
- What they do: 1 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 23 of 23 board members independent · 2 of 7 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $0 · 23 people listed
- Highest-paid contractors: 2 contractors listed · $204K reported
- Consistency: 7 of 7 current checks pass
- Schedules: 3 filed schedules · includes major donors
- Filing history: 12 filing years from 2012 to 2024
- Contacts: How to reach this organization
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Accountability: Governance controls: 4 of 6 not reported.
- Review — Sustainability: Total-asset coverage ratio scored 51/100.