Cen Cal Business Finance Group (EIN 770030865) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1984

Legal Domicile

Principal Officer

Frank C Gallegos

Phone

5592271158

Tax Period

2024-10-01 to 2025-09-30

Cen Cal Business Finance Group, founded in 1984, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2024. Revenue fell 28% from the prior year — a significant decline worth monitoring.

Mission

To provide loan services to small businesses.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,318,246

Investment Income $24,707

Other Revenue $21,568

TOTAL REVENUE $2,364,521

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,826,590

Fundraising Expenses $0

Program Expenses $1,720,072

Other Expenses $591,349

TOTAL EXPENSES $2,417,939

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,364,521	$3,270,020	-0.3%
Expenses	$2,417,939	$2,064,595	+0.2%
Net Income	$-53,418	$1,205,425	-1.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$194,666

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Frank C Gallegos	Executive Dir.	40.00	Officer	$194,666	$0	$194,666
Sheila Lankford	Sr Underwriter	40.00		$181,486	$0	$181,486
Lesley Lang-Lopez	Loan Officer	40.00		$152,313	$0	$152,313
Lisa Carbajal	VP/Sr Loan Officer	40.00		$124,603	$0	$124,603
Frank J Galegos	Loan Officer	40.00		$114,447	$0	$114,447
Cal B Cain	Loan Officer	40.00		$100,279	$0	$100,279
Tad Cloud	President	1.00	Officer Director	$0	$0	$0
Brady McGuinness	Treasurer	1.00	Officer Director	$0	$0	$0
Linzie Daniel	Secretary	1.00	Officer Director	$0	$0	$0
Dorothy Thomas	Vice President	1.00	Officer Director	$0	$0	$0
Nicholas Audino	Director	1.00	Director	$0	$0	$0
Baldev Birk	Director	1.00	Director	$0	$0	$0
Deanna Blaise	Director	1.00	Director	$0	$0	$0
Morgan Clayton	Director	1.00	Director	$0	$0	$0
Debbie Hunsaker	Director	1.00	Director	$0	$0	$0
Brandon Lamonica	Director	1.00	Director	$0	$0	$0
Doug Marmolejo	Director	1.00	Director	$0	$0	$0
Katie Miller	Director	1.00	Director	$0	$0	$0
Dustin Oliver	Director	1.00	Director	$0	$0	$0
Will Oliver	Director	1.00	Director	$0	$0	$0
Anthony Olivieri	Director	1.00	Director	$0	$0	$0
Joseph Pickett	Director	1.00	Director	$0	$0	$0
Conrad Stephens	Director	1.00	Director	$0	$0	$0
Rod Webster	Director	1.00	Director	$0	$0	$0
Ken Wittwer	Director	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$2,364,521	$2,417,939	$4,240,325	$-53,418
2024	$3,270,020	$2,064,595	$4,357,068	$1,205,425
2023	$1,206,477	$1,080,710	$3,057,794	$125,767
2022	$1,091,689	$1,069,475	$3,077,354	$22,214
2021	$1,062,862	$989,154	$2,900,783	$73,708
2020	$889,360	$826,395	$2,023,614	$62,965
2019	$970,122	$924,367	$1,984,381	$45,755

Cen Cal Business Finance Group