Concord, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)Bay Area Employment Development Company, founded in 1978, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2023. Revenue decreased 12% compared to the prior year. Expenses of $4.0M left a modest 13% surplus.
Assist growing small businesses obtain low cost optimally structured financing for fixed asset expansions which helps them retain and create jobs and assist their communities with neighborhood commercial revitalization efforts.
Bay Area Employment Development Company BDC is licensed by the U.S. Small Business Administration, a federal agency, as a certified development company, for the purpose of making 504 loans to...
Bay Area Employment Development Company BDC is licensed by the U.S. Small Business Administration, a federal agency, as a certified development company, for the purpose of making 504 loans to eligible small businesses. BDC uses 504 financing to assist growing small businesses obtain low cost financing for fixed asset expansions which helps them retain and create jobs and assist their communities with commercial revitalization efforts. Since its inception, BDC has provided 2,554 small businesses with over $1.8 billion of 504 financing and over $5 billion of funding overall. This has helped those companies create and retain approximately 28,000 jobs. Over 1/3 of the businesses funded are in low and moderate income areas and over 1/3 of their clients are women and minority owned businesses.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $4,535,410 | $5,131,867 | -0.1% |
| Expenses | $3,959,346 | $4,439,699 | -0.1% |
| Net Income | $576,064 | $692,168 | -0.2% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Richard Grant | CEO | 40.00 |
|
$395,845 | $0 | $395,845 |
| Mark Schwan | Senior VP | 40.00 |
|
$261,870 | $0 | $261,870 |
| Kimberly Shinjo | Loan Analyst | 40.00 |
|
$171,000 | $0 | $171,000 |
| Susan Dunlap | Portfolio Manager | 40.00 |
|
$158,500 | $0 | $158,500 |
| Robert Thompson | Senior VP | 40.00 |
|
$158,290 | $0 | $158,290 |
| James Baird | Director | 40.00 |
Director
|
$137,500 | $0 | $137,500 |
| Walter Menzel | Vice President | 1.00 |
Director
|
$4,000 | $0 | $4,000 |
| Torran Nixon | Director | 1.00 |
Director
|
$4,000 | $0 | $4,000 |
| Michael Johnson | President | 1.00 |
Director
|
$4,000 | $0 | $4,000 |
| Scott Hauge | Director | 1.00 |
Director
|
$4,000 | $0 | $4,000 |
| Bonnie Lipscomb | Treasurer | 1.00 |
Director
|
$4,000 | $0 | $4,000 |
| Olivia Rebanal | Director | 1.00 |
Director
|
$4,000 | $0 | $4,000 |
| Francine Boards | Director | 1.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | No data | No data | No data | No data |
| 2024 | $4,535,410 | $3,998,105 | $3,697,089 | $537,305 |
| 2024 | $4,535,410 | $3,959,346 | $3,697,089 | $576,064 |
| 2023 | $5,131,867 | $4,439,699 | $2,359,655 | $692,168 |
| 2022 | $5,006,883 | $4,660,301 | $1,691,619 | $346,582 |
| 2021 | $4,389,327 | $4,470,467 | $2,283,354 | $-81,140 |
| 2020 | $3,957,115 | $3,951,457 | $2,078,409 | $5,658 |
| 2019 | $4,149,765 | $4,102,581 | $2,542,649 | $47,184 |
| 2018 | $4,075,144 | $3,692,100 | $2,214,523 | $383,044 |
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