International Micro-loans of Buffalo Inc

Nonprofit profile at a glance

EIN
460925304
IRS 990-EZ coverage
2021–2025
Forms available
Form 990-EZ 2025, Form 990-N 2017
Location
Lakewood Ranch, FL, USA
Phone
7165725742
Rating
35
Verdict
REVIEW
Rating confidence
Moderate
Sector
Public Foundations

Reported finances

Revenue
$35,594
Expenses
$35,331
Assets
$2,461
Liabilities
$0

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

1 person listed

Executive titles in this filing

  • ROBERT KREPPEL (PRESIDENT)

People named in this filing

  • ROBERT KREPPEL (PRESIDENT)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

International micro-loans of buffalo inc. ("imb) is a not for profit corporation formed in nys and is a 501(c)(3) entity. It is a micro loans company, meaning that it loans out money to individuals that operate subsistence businesses around the world. This is done through the kiva organization (www.kiva.org) and their website. Kiva orchestrates loans for people around the world and imb is run by students at st. Joes under my guidance as well as a couple of faculty members. Imb has dollars that have been deposited at kiva and uses those funds to "purchase" loans at kiva. As the loans are repaid, there are funds available to purchase additional loans. The loans are fairly short term (generally less than a year) additionally, money is raised, deposited into the bank account, and then sent to kiva for more loan opportunities. In 2025 $3,188 was raised. Total amount of revenue from loan repayments in 2025: $32,406bank balance 12/31/25: $2,461

What it reported doing in 2025

Making grants and loans to qualified low income recipients

Operating model

Revenue model
Earned-program. 91% of the money available for current operations came from fees and other program revenue.
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

REVIEW - The filed numbers largely add up. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

  • Financial Efficiency: 0
  • Transparency & Controls: 82
  • Sustainability: 39
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 0%; rating input score 0
  • Program expense ratio: 0%; rating input score 0

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: 0.7%; rating input score 46; 46th percentile among comparable filings
  • Total-asset coverage ratio: 0.07; rating input score 11; 11th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 66; 66th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 56; 56th percentile among comparable filings

Growth

  • Program expense growth: -83.1% per year; rating input score 0; 4th percentile among comparable filings
  • Revenue growth: -1.6% per year; rating input score 0; 44th percentile among comparable filings
  • Asset growth: -3.7% per year; rating input score 0; 27th percentile among comparable filings

Details

  • Where the money goes: 0% of revenue deployed · 0% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment
  • Leadership: top reported pay $0 · 1 people listed
  • Consistency: 8 of 9 current checks pass · 1 finding to review
  • Schedules: 2 filed schedules
  • Filing history: 5 filing years from 2021 to 2025
  • 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 — Financial Efficiency: Mission deployment rate scored 0/100.
  • High — Financial Efficiency: Program expense ratio scored 0/100.
  • Moderate — Transparency & Controls: Part III transfer expenses within program total did not reconcile in the filed values.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Total-asset coverage ratio scored 11/100.
  • Moderate — Sustainability: Operating margin scored 46/100.
  • High — Growth: Asset growth scored 0/100.
  • Review — Sustainability: Officer compensation ratio scored 56/100.