SAN DIEGO, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CDC SMALL BUSINESS FINANCE CORPORATION, founded in 1978, is a mid-sized nonprofit in the Community Improvement sector that reported $31.0M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $29.3M left a modest 5% surplus.
WE HELP BUILD INCLUSIVE AND EQUITABLE COMMUNITIES BY PROVIDING PEOPLE ACCESS TO THE CAPITAL AND OPPORTUNITIES THEY DESERVE.
COMMUNITY LOAN PROGRAMS: CDC ORIGINATES, SERVICES, AND SELLS LOANS GUARANTEED BY THE SBA UNDER ITS COMMUNITY ADVANTAGE 7A PROGRAM. THESE LOANS ARE USED BY THE BORROWERS FOR A VARIETY OF PURPOSES AND...
COMMUNITY LOAN PROGRAMS: CDC ORIGINATES, SERVICES, AND SELLS LOANS GUARANTEED BY THE SBA UNDER ITS COMMUNITY ADVANTAGE 7A PROGRAM. THESE LOANS ARE USED BY THE BORROWERS FOR A VARIETY OF PURPOSES AND ARE CAPPED AT $350,000 PER LOAN. CDC ALSO ADMINISTERS SEVERAL LENDING PROGRAMS INCLUDING THE SBA MICROLOAN PROGRAM, A STATE SPONSORED COMMUNITY ADJUSTMENT AND INVESTMENT LOAN PROGRAM, LA DIRECT AND FAST TO FUND, CALIFORNIA REBUILDING FUND, ACTIVATE DETROIT, AND MOTOR CITY CONTRACORS FUND, ALL OF WHICH ARE DESIGNED TO PROVIDE LOANS TO SMALL BUSINESSES.
SBA SECTION 504 LOAN PROGRAM: CDC'S PRIMARY SOURCE OF REVENUE IS THE SERVICING AND PROCESSING OF THE SMALL BUSINESS ADMINISTRATION'S ("SBA") 504 LOAN PROGRAMS. THE 504 LOAN PROGRAM PROVIDES...
SBA SECTION 504 LOAN PROGRAM: CDC'S PRIMARY SOURCE OF REVENUE IS THE SERVICING AND PROCESSING OF THE SMALL BUSINESS ADMINISTRATION'S ("SBA") 504 LOAN PROGRAMS. THE 504 LOAN PROGRAM PROVIDES LONG-TERM, FIXED RATE FINANCING FOR MAJOR FIXED ASSETS THAT PROMOTE BUSINESS GROWTH AND JOB CREATION.
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)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $30,966,467 | $27,607,207 | +0.1% |
| Expenses | $29,265,580 | $26,543,703 | +0.1% |
| Net Income | $1,700,887 | $1,063,504 | +0.6% |
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 |
|---|---|---|---|---|---|---|
| ELLIS CARR | PRESIDENT & CEO | 20.00 |
Officer
Director
|
$0 | $35,104 | $1,064,353 |
| KURT CHILCOTT | DIRECTOR/CONSULTANT | 7.00 |
Director
|
$0 | $0 | $211,250 |
| OSWALDO ACOSTA | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| RICK BENIITO | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $3,750 |
| ALAINA BEVERLY | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| ERIK CALDWELL | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $3,750 |
| SHERYL CAMERON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| GRACE CHIONUMA | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| GARY CUNNINGHAM | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,625 |
| JENNIFER SMITH DOLIN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| CASEY FANNON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| PEDRO GOITIA | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| GAIL MURKLIN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $3,750 |
| TYLOR ORION | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| FRANK ROBINSON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| TOM TOPUZES | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| DAN VARNER | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $5,000 |
| NATALIE GUNN | CHIEF FINANCIAL OFFICER | 20.00 |
Officer
|
$0 | $67,112 | $518,870 |
| JARET DINARD INGS | SENIOR DIRECTOR OF FINANCE | 20.00 |
Officer
|
$0 | $56,010 | $377,509 |
| KIM DORSETT | CHIEF HUMAN RESOURCE OFFIC | 20.00 |
Officer
|
$0 | $42,798 | $352,841 |
| BRIAN MCEVOY | GENERAL COUNSEL | 20.00 |
Officer
|
$0 | $58,530 | $437,545 |
| MATTHEW WEHLAND | CHIEF OPERATING OFFICER | 20.00 |
Officer
|
$0 | $38,662 | $391,643 |
| KARLA GILL | CHIEF TECHNOLOGY OFFICER | 20.00 |
Officer
|
$0 | $39,033 | $445,844 |
| THOMAS BRUNE | PRESIDENT VENTURES LENDING | 40.00 |
Key Emp
|
$290,494 | $49,025 | $339,519 |
| ANTHONY BARENGO | HEAD OF COMMERCIAL REAL ESTATE | 40.00 |
Key Emp
|
$252,485 | $37,779 | $290,264 |
| ANDREW ERICKSON | VICE PRESIDENT, SENIOR COM | 40.00 |
Highest
|
$279,875 | $57,934 | $337,809 |
| RANDY SHOOPMAN | VP OF SOFTWARE DEVELOPMENT | 40.00 |
Highest
|
$247,176 | $33,612 | $280,788 |
| KENNETH ROSENTHAL | SR ADVISOR FOR LENDING-ED & TRAINING | 40.00 |
Highest
|
$395,100 | $42,333 | $437,433 |
| ANDREW MORT | CRE SALES MANAGER | 40.00 |
Highest
|
$227,578 | $20,245 | $247,823 |
| ERIN HEBERT | HEAD OF OPERATIONS | 40.00 |
Highest
|
$237,738 | $48,857 | $286,595 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $30,966,467 | $29,265,580 | $133,382,730 | $1,700,887 |
| 2023 | $27,607,207 | $26,543,703 | $118,524,945 | $1,063,504 |
| 2022 | $26,865,626 | $28,209,180 | $92,661,741 | $-1,343,554 |
| 2021 | $31,738,512 | $25,025,312 | $123,395,668 | $6,713,200 |
| 2020 | $7,270,597 | $6,734,493 | $280,079,202 | $536,104 |
| 2020 | $32,736,743 | $22,459,502 | $274,839,666 | $10,277,241 |
| 2019 | $22,451,658 | $18,885,940 | $86,407,439 | $3,565,718 |
| 2018 | $20,772,975 | $16,640,229 | $76,713,993 | $4,132,746 |
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