BUSINESS FINANCE CAPITAL (EIN 954313041) - 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

1992

Legal Domicile

Principal Officer

JACKY DILFER

Phone

2139991481

Tax Period

2023-07-01 to 2024-06-30

BUSINESS FINANCE CAPITAL, founded in 1992, is a mid-sized nonprofit that reported $13.2M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.6M, a strong 20% operating margin.

Mission

TO PROMOTE JOB CREATION AND RETENTION

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $12,067,679

Investment Income $1,093,338

Other Revenue $0

TOTAL REVENUE $13,161,017

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,577,863

Fundraising Expenses $0

Program Expenses $9,187,147

Other Expenses $6,005,799

TOTAL EXPENSES $10,583,662

Year-over-Year Comparison

	2023	2022	Change
Revenue	$13,161,017	$11,143,694	+0.2%
Expenses	$10,583,662	$9,084,258	+0.2%
Net Income	$2,577,355	$2,059,436	+0.3%

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

$1,157,706

Total Directors

$1,082,093

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACKY DILFER	EXECUTIVE DIRECTOR	40.00	Officer Director	$1,029,021	$53,072	$1,082,093
SHERRY F MARTIN	CHAIRMAN	2.00	Officer Director	$0	$0	$0
LARRY SCHERZER	CFO	2.00	Officer Director	$0	$0	$0
JACK R CLINE JR	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
ALAN THIAN	BOARD MEMBER	2.00	Director	$0	$0	$0
THOMAS WALSMITH	BOARD MEMBER	2.00	Director	$0	$0	$0
IRENE LI WILLIAMS	BOARD MEMBER	2.00	Director	$0	$0	$0
HOONIE KANG	BOARD MEMBER	2.00	Director	$0	$0	$0
IRIS ALVARADO	BOARD MEMBER (UNTIL 02/2024)	2.00	Director	$0	$0	$0
RAYMOND K SAKAIDA	EXECUTIVE VP	40.00	Officer	$75,613	$0	$75,613
THERESE C HOGAN	VICE PRESIDENT	40.00	Highest	$338,324	$20,686	$359,010
CARLY WHITNEY	BUSINESS DEVELOPMENT OFFICER	40.00	Highest	$660,017	$25,847	$685,864
LEE KLEINMAN	BUSINESS DEVELOPMENT OFFICER	40.00	Highest	$306,781	$25,849	$332,630
LISA MATTA	BUSINESS DEVELOPMENT OFFICER	40.00	Highest	$302,796	$35,021	$337,817
STEPHANIE JEKARL	BUSINESS DEVELOPMENT OFFICER	40.00	Highest	$247,614	$18,879	$266,493

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	No data	No data	No data	No data
2024	$13,161,017	$10,583,662	$12,485,356	$2,577,355
2023	$11,143,694	$9,084,258	$9,446,622	$2,059,436
2022	$11,735,552	$9,438,385	$7,749,774	$2,297,167
2021	$8,310,260	$6,926,755	$5,410,423	$1,383,505
2020	$6,450,645	$5,642,624	$3,038,660	$808,021
2019	$4,577,959	$4,007,592	$2,507,061	$570,367
2018	$4,610,599	$4,221,500	$1,549,857	$389,099

BUSINESS FINANCE CAPITAL