INNOVATIVE CHANGES
EIN 80-0516996 · Financial Counseling (P51)
What they do
LENDING - INNOVATIVE CHANGES PROVIDES RESPONSIBLE SMALL-DOLLAR CONSUMER LOANS to HELP BORROWERS WHO ARE EXPERIENCING FINANCIAL EMERGENCIES, HOUSING CHOICE VOUCHER HOLDERS NEEDING SECURITY DEPOSITS, and THOSE PREPARING for ASSET BUILDING OPPORTUNITIES. SINCE OUR INCEPTION IN EARLY 2010 THROUGH FISCAL YEAR 2020 WE ORIGINATED 1303 SMALL DOLLAR LOANS, INCLUDING 508 OPPORTUNITY and PUBLIC LOANS, 635 CREDIT BUILDER LOANS, 40 EMERGENCY and COVID RELIEF LOANS, 20 LOANS for SURVIVORS of DOMESTIC VIOLENCE, 7 LOANS for ADAPTIVE TECHNOLOGY, and 93 LOANS for MOVING COSTS for SECTION 8 HOUSING CHOICE VOUCHER HOLDERS.
Should I give to this charity?
Of every $100 spent, about $83.90 was reported for mission work. Use the spending picture below and ask what results that work produced.
Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.
Basic facts we verified
IRS warning checkNo IRS revocation warning appears in this data.
Money report from 2019The report may be old. Ask for a newer one.
They explain their jobThe charity tells us what it is trying to do.
They name their leaders6 people are listed in the latest report.
You can reach themThey list contact information, so you can ask questions.
Money made simple
Ask these three easy questions
- Who did you help? Ask for a recent story or report that shows real results.
- What will my money do? Ask exactly what your gift will pay for.
- Is this really the charity? Give only through its official website or confirmed phone number.
Worth asking: Expenses exceeded revenue by $109,501 this year. Ask whether that was planned or caused by a one-time event.
Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.
Financial picture
A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.
How each $100 of revenue was used
The large number compares each expense with revenue. The smaller number shows its share of total expenses.
Expenses were greater than revenue, so the colored ring fills the available $100 and the total above 100% is shown below.
Has the pattern changed?
Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.
Money in and money out
Reported spending amounts
Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.
See all reported dollar amounts
Leadership and board
Names, titles, time, and compensation below are reported by the organization on its Form 990.
No compensation was reported for these leaders. The complete board and leadership roster is shown below.
Board and leadership roster (6)
IAN GALLOWAYDIRECTOR
JOSH SLEDGEDIRECTOR
KEVORK ISIKBAYPRESIDENT
PETER HAINLEYEXECUTIVE DIRECTOR
SARAH CHENVENSECRETARY
STEVE PAGENSTECHERTREASURER
About this charity
- Location
- 20508 SW ROY ROGERS RD NO 155, SHERWOOD, OR 97140
- County
- Washington
- In care of
- PETER HAINLEY
- Primary officer
- PETER HAINLEY, EXECUTIVE DIRECTOR
How to reach them
Filing and classification
- Latest tax year
- 2019
- Tax period began
- July 1, 2019
- Return type
- 990EZ
- Tax preparer
- MCDONALD JACOBS PC
- NTEE classification
- Financial Counseling (P51)
- IRS tax category
- Financial Counseling