Lendingkind Inc Dba Humankind Lending

Nonprofit profile at a glance

EIN
851599422
IRS 990 coverage
2022–2025
Forms available
Form 990 2025, Form 990-N 2020
Location
Lynchburg, VA, USA
Phone
4343843131
Rating
74
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Business and Industry

Reported finances

Revenue
$808,113
Expenses
$806,972
Assets
$5,250,000
Liabilities
$5,143,638

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

Leadership & pay

11 people listed

Executive titles in this filing

  • STANFORD SOUTHWORTH (CEO AND BOARD MEMBER)
  • NELSON NAVA (PRESIDENT)

Highest reported compensation

  • STANFORD SOUTHWORTH (CEO AND BOARD MEMBER): $250,379 total reported compensation
  • NELSON NAVA (PRESIDENT): $205,315 total reported compensation
  • LINDA MEADOWS (TREASURER): $101,607 total reported compensation

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

Overview

Mission

To provide low-income individual's and family's vehicle loans to improve their future.

What it reported doing in 2025

To provide vehicle and business loans to low income individuals.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 86
  • Transparency & Controls: 65
  • Accountability: 66
  • Sustainability: 41
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 97%; rating input score 97
  • Program expense ratio: 95.3%; rating input score 95
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 72.7%; rating input score 73; 19th percentile among comparable filings
  • Governance controls: 5 of 9 controls in place; rating input score 56
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: Fail
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 0.1%; rating input score 31; 31st percentile among comparable filings
  • Total-asset coverage ratio: 6.51; rating input score 88; 88th percentile among comparable filings
  • Liabilities to assets ratio: 0.98; rating input score 4; 4th percentile among comparable filings
  • Officer compensation ratio: Limited

Growth

  • Program expense growth: 35.3% per year; rating input score 100; 91st percentile among comparable filings
  • Revenue growth: 28.1% per year; rating input score 100; 89th percentile among comparable filings
  • Asset growth: 18.6% per year; rating input score 100; 76th percentile among comparable filings

Details

  • Where the money goes: 97% of revenue deployed · 95.3% of spending went to programs
  • Governance: 8 of 11 board members independent · 5 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $769K in reported program spending
  • Leadership: top reported pay $250K · 11 people listed · 0 of 6 pay-setting controls reported
  • Consistency: 21 of 21 current checks pass
  • Schedules: 5 filed schedules · includes major donors and executive pay
  • Filing history: 4 filing years from 2022 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 — Transparency & Controls: Pay-setting controls scored 0/100.
  • Review — Accountability: Governance controls: 4 of 9 not reported.
  • Moderate — Sustainability: Operating margin scored 31/100.
  • High — Sustainability: Liabilities to assets ratio scored 4/100.