Civic Intelligence

Business and Community Lenders of Texas

EIN 74-2581297 • 501(c)3 • Austin, TX

Profile

To further the economic development of texas by promoting and assisting

1011 Jan Jacinto BlvdAustin, TX 78701

www.bcloftexas.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

75th percentile

0.49x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

93rd percentile

4.38x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

4th percentile

-69%

Higher net margin than 4% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

12th percentile

-8.1%

Faster asset growth than 12% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2025

Revenue Growth

15th percentile

-15%

Faster revenue growth than 15% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / Assets75th percentile

Assets

Down

$24,120,283

Down $2,763,017 (-10%) from 2024

Liabilities

Down

$11,770,003

Down $920,756 (-7.3%) from 2024

Net Assets

Down

$12,350,280

Down $1,842,261 (-13%) from 2024

Operations
Liabilities / Revenue93rd percentileNet Margin4th percentile

Revenue

Down

$2,686,570

Down $401,824 (-13%) from 2024

Expenses

Up

$4,528,831

Up $560,174 (+14%) from 2024

Net Income

Down

-$1,842,261

Down $961,998 (-109%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40M$30M$20M$10M$0Assets 2011: $10,072,587Liabilities 2011: $5,566,791Net Assets 2011: $4,505,7962011Assets 2012: $11,805,900Liabilities 2012: $6,654,366Net Assets 2012: $5,151,5342012Assets 2013: $12,722,189Liabilities 2013: $7,102,806Net Assets 2013: $5,619,3832013Assets 2014: $13,827,036Liabilities 2014: $6,595,644Net Assets 2014: $7,231,3922014Assets 2015: $14,472,427Liabilities 2015: $5,387,108Net Assets 2015: $9,085,3192015Assets 2016: $17,067,351Liabilities 2016: $6,792,787Net Assets 2016: $10,274,5642016Assets 2017: $16,916,585Liabilities 2017: $7,715,802Net Assets 2017: $9,200,7832017Assets 2018: $17,546,679Liabilities 2018: $7,470,503Net Assets 2018: $10,076,1762018Assets 2019: $19,027,522Liabilities 2019: $10,191,636Net Assets 2019: $8,835,8862019Assets 2020: $22,684,732Liabilities 2020: $10,691,484Net Assets 2020: $11,993,2482020Assets 2021: $29,670,542Liabilities 2021: $17,155,360Net Assets 2021: $12,515,1822021Assets 2022: $31,238,408Liabilities 2022: $15,532,923Net Assets 2022: $15,705,4852022Assets 2023: $28,558,255Liabilities 2023: $13,485,451Net Assets 2023: $15,072,8042023Assets 2024: $26,883,300Liabilities 2024: $12,690,759Net Assets 2024: $14,192,5412024Assets 2025: $24,120,283Liabilities 2025: $11,770,003Net Assets 2025: $12,350,2802025

Highlighted filing

2025

Assets$24,120,283
Liabilities$11,770,003
Net Assets$12,350,280
Open 2025 Filing

Operations Trend

Revenue Growth15th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0-$5.0MExpenses 2011: $1,658,2072011Revenue 2012: $3,749,329Expenses 2012: $3,103,591Net Income 2012: $645,7382012Expenses 2013: $1,431,5232013Revenue 2014: $2,981,512Expenses 2014: $1,805,198Net Income 2014: $1,176,3142014Revenue 2015: $4,427,851Expenses 2015: $2,573,924Net Income 2015: $1,853,9272015Revenue 2016: $6,036,259Expenses 2016: $4,847,014Net Income 2016: $1,189,2452016Revenue 2017: $2,910,017Expenses 2017: $3,983,798Net Income 2017: -$1,073,7812017Revenue 2018: $5,334,926Expenses 2018: $4,459,533Net Income 2018: $875,3932018Revenue 2019: $3,349,352Expenses 2019: $4,589,642Net Income 2019: -$1,240,2902019Revenue 2020: $7,633,917Expenses 2020: $4,476,555Net Income 2020: $3,157,3622020Revenue 2021: $4,080,568Expenses 2021: $3,558,634Net Income 2021: $521,9342021Revenue 2022: $6,954,395Expenses 2022: $3,764,092Net Income 2022: $3,190,3032022Revenue 2023: $3,744,979Expenses 2023: $4,096,470Net Income 2023: -$351,4912023Revenue 2024: $3,088,394Expenses 2024: $3,968,657Net Income 2024: -$880,2632024Revenue 2025: $2,686,570Expenses 2025: $4,528,831Net Income 2025: -$1,842,2612025

Highlighted filing

2025

Revenue$2,686,570
Expenses$4,528,831
Net Income-$1,842,261
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,120,283
Liabilities
$11,770,003
Net assets
$12,350,280
Revenue
$2,686,570
Expenses
$4,528,831
Net income
-$1,842,261
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$24.1$11.8$12.4$2.69$4.53$1.84
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.9$12.7$14.2$3.09$3.97$0.88
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.6$13.5$15.1$3.74$4.10$0.35
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.2$15.5$15.7$6.95$3.76$3.19
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.7$17.2$12.5$4.08$3.56$0.52
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.7$10.7$12.0$7.63$4.48$3.16
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.0$10.2$8.84$3.35$4.59$1.24
2018Detailed filing. Detailed filing data is available for this year.$17.5$7.47$10.1$5.33$4.46$0.88
2017Detailed filing. Detailed filing data is available for this year.$16.9$7.72$9.20$2.91$3.98$1.07
2016Detailed filing. Detailed filing data is available for this year.$17.1$6.79$10.3$6.04$4.85$1.19
2015Detailed filing. Detailed filing data is available for this year.$14.5$5.39$9.09$4.43$2.57$1.85
2014Detailed filing. Detailed filing data is available for this year.$13.8$6.60$7.23$2.98$1.81$1.18
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$7.10$5.62$1.43
2012Summary only. Only limited summary data is available for this year.$11.8$6.65$5.15$3.75$3.10$0.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$5.57$4.51$1.66
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 2, 2025
Return Version
2024v5.2
Gross Receipts
$2,686,570
Mission and Program Overview

Mission

To further the economic development of texas by promoting and assisting in the growth and development of small business concerns and to assist in the development of affordable housing for low and moderate income families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,801,466$9,068,473▲ $267,007
Cash and Non-Interest-Bearing Accounts$5,084,662$6,323,772▲ $1,239,110
Savings and Temporary Cash Investments$8,284,316$4,682,148▼ $3,602,168
Investments Program Related$3,619,072$2,968,792▼ $650,280
Accounts Receivable$362,368$305,397▼ $56,971
Land, Buildings, and Equipment, Net$123,319$94,057▼ $29,262
Prepaid Expenses and Deferred Charges$65,288$57,912▼ $7,376
Intangible Assets$13,593$1,954▼ $11,639
Total Assets$26,883,300$24,120,283▼ $2,763,017
Other Assets Total$529,216$617,778▲ $88,562
Liabilities
Unsecured Notes Loans Payable$9,256,227$8,650,235▼ $605,992
Mortgage Notes Payable Secured by Investment Property$3,006,339$2,764,830▼ $241,509
Accounts Payable and Accrued Expenses$274,155$221,339▼ $52,816
Other Liabilities$154,038$133,599▼ $20,439
Total Liabilities$12,690,759$11,770,003▼ $920,756
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$13,786,590$12,292,493▼ $1,494,097
Net Assets With Donor Restrictions$405,951$57,787▼ $348,164
Total Net Assets Fund Balance$14,192,541$12,350,280▼ $1,842,261
Total Liabilities and Net Assets / Fund Balance$26,883,300$24,120,283▼ $2,763,017

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$90,215$167,449$257,664
Equipment$3,842$33,588$37,430
Investment Program Related Org$2,500,000--
Land$0--
Other Assets Org$617,778--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Raquel Valdez SanchezChief Executive OfficerFT$178,333$10,579$188,912
Raquel Valdez Sanchez--$178,333$10,579$188,912
Rosa Rios ValdezFormer CEOFT$73,167$3,821$76,988

Board Members and Trustees

NameTitle
William SutherlandChair
Stacy BowersVice Chair
Brandon JonesDirector
David BrennanDirector
David SalinasDirector
Melissa RobinsonDirector
Tanner MooreDirector
Andres Garza JrSecretary
Judy CanalesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$755,075
Program Service Revenue
$1,703,016
Investment Income
$228,479
Other Revenue
$0
All Other Contributions
$755,075
Change in Net Assets
$-1,842,261
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,597,242
Salaries, Compensation, and Employee Benefits$1,278,170
Grants and Similar Amounts Paid$653,419
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$643,171$150,214$0$793,385
Grants to Domestic Individuals$653,419--$653,419
Interest$301,347$46,855$0$348,202
Occupancy$288,536$54,565$0$343,101
Fees for Services Other$294,490$29,242$0$323,732
Current Officers, Directors, Trustees, and Key Employees$215,556$50,344$0$265,900
Other Expenses$168,333$0$0$168,333
Office Expenses$17,340$148,969$0$166,309
Advertising$72,893$18,923$0$91,816
Other Employee Benefits$58,581$27,879$0$86,460
Payroll Taxes$65,093$12,868$0$77,961
Conferences and Meetings$75,915$0$0$75,915
Information Technology$43,558$21,329$0$64,887
Pension Plan Contributions$36,902$17,562$0$54,464
Insurance$42,224$3,179$0$45,403
Travel$9,035$25,240$0$34,275
Depreciation Depletion$0$25,994$0$25,994
Total Functional Expenses$3,876,165$652,666$0$4,528,831
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payable to City Participants$133,599
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Business and Community Lenders of Texas
EIN
74-2581297
Phone
5129129884
Address
1011 JAN JACINTO BLVD, AUSTIN, TX 78701

Signing Officer

Name
Raquel Valdez Sanchez
Title
CEO
Phone
5129129884
Signed
2025-12-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Raquel Valdez Sanchez
Formed
1990
Legal Domicile
TX
Voting Board Members
8
Independent Board Members
8
Employees
18
Volunteers
0

Preparer

Firm
West Davis & Company LLP
Address
8200 North Mopac Expressway Suite 1, Austin, TX 78759
Preparer
Rob West CPA
Phone
5038286650
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“The executive director and chief financial officer review”

Pt VI, Line 11B

“The form 990, which is then submitted to the board for”

Pt VI, Line 11B

“REVIEW PRIOR TO FILING.”

Pt VI, Line 12C

“Potential conflicts of interest are monitored by an”

Pt VI, Line 12C

“Annual check on receiving the signed code of ethics from”

Pt VI, Line 12C

“Directors and key employees.”

Pt VI, Line 15A

“The executive directors compensation is reviewed and”

Pt VI, Line 15A

“Approved by the board of directors.”

Pt VI, Line 15B

“Other officers and key employees compensation follows”

Pt VI, Line 15B

“A pay scale. Pay raises and starting pay for other”

Pt VI, Line 15B

“Officers and key employees are approved by the”

Pt VI, Line 15B

“EXECUTIVE DIRECTOR.”

Pt VI, Line 19

“Governing documents, policies, and financial statements”

Pt VI, Line 19

“Are made available to the public upon request from”

Pt VI, Line 19

“MANAGEMENT.”

Form 990, Part III, Line 4D

“Entrepreneurship - the organization uses its 384591. 0. 0.”

Raw XML AppendixShowing 400 of 627 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO FURTHER THE ECONOMIC DEVELOPMENT OF TEXAS BY PROMOTING AND ASSISTING IN THE GROWTH AND DEVELOPMENT OF SMALL BUSINESS CONCERNS AND TO ASSIST IN THE DEVELOPMENT OF AFFORDABLE HOUSING FOR LOW AND MODERATE INCOME FAMILIES.
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IRS990/BackupWthldComplianceInd0true
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IRS990/BooksInCareOfDetail/PhoneNum05129129884
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01011 SAN JACINTO 500
IRS990/BooksInCareOfDetail/USAddress/CityNm0AUSTIN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
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IRS990/CompensationProcessOtherInd0true
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IRS990/CreditCounselingInd0false
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IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/DecisionsSubjectToApprovaInd0false
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IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt025994
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt025994
IRS990/Desc0BUSINESS LENDING - THE ORGANIZATION PROCESSES AND SERVICES SBA LOANS FOR SMALL BUSINESSES THAT DO NOT QUALIFY FOR CONVENTIONAL FINANCING. LOANS ARE MADE TO SMALL BUSINESSES FROM GRANT FUNDS AND CONTRIBUTIONS FROM VARIOUS BUSINESSES AND LOCAL GOVERNMENTS AS WELL AS INTEREST EARNINGS AND PRINCIPAL RETURNED TO THE LOAN FUND POOL. DURING FISCAL YEAR 2025, THE ORGANIZATION DISBURSED OVER $2 MILLION IN LOANS.
IRS990/DescribedInSection501c3Ind0true
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IRS990/DonorAdvisedFundInd0false
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IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
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IRS990/FeesForServicesOtherGrp/TotalAmt0323732
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IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10FORMER CEO
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IRS990/MissionDesc0TO FURTHER THE ECONOMIC DEVELOPMENT OF TEXAS BY PROMOTING AND ASSISTING IN THE GROWTH AND DEVELOPMENT OF SMALL BUSINESS CONCERNS AND TO ASSIST IN THE DEVELOPMENT OF AFFORDABLE HOUSING FOR LOW AND MODERATE INCOME FAMILIES.
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IRS990/ProgramServiceRevenueGrp/Desc2LOAN PROCESSING FEES
IRS990/ProgramServiceRevenueGrp/Desc3CONTRACT INCOME
IRS990/ProgramServiceRevenueGrp/Desc4HOMEBUYER COUNSELING
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IRS990/ProgSrvcAccomActy2Grp/Desc0COMMUNITY DEVELOPMENT - THE ORGANIZATION COUNSELED OVER 1,000 FAMILIES ON HOME FORECLOSURE AND MITIGATION, AND OVER 800 BUSINESSES WITH MANAGEMENT COUNSELING, BUSINESS MARKETING, GROWTH STRATEGIES, AND GENERAL BUSINESS START UP AND DEVELOPMENT.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0484685
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0745368
IRS990/ProgSrvcAccomActy3Grp/Desc0HOUSING AND HOME OWNERSHIP - THE ORGANIZATION HELPS FAMILIES SECURE A HOME OF THEIR OWN AND BUILD THEIR ASSETS. THE ORGANIZATIONS SPECIALISTS WORK TO BUILD A CUSTOMIZED PLAN WITH CLIENTS TO HELP THEM ACHIEVE THEIR GOALS AT THEIR OWN PACE.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0390079
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IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0157244
IRS990/ProgSrvcAccomActyOtherGrp/Desc0ENTREPRENEURSHIP - THE ORGANIZATION USES ITS KNOWLEDGE AND EXPERIENCE TO HELP SMALL BUSINESSES MEET THEIR GOALS.
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