Civic Intelligence

Cen Cal Business Finance Group

EIN 77-0030865 • 501(c)4 • Fresno, CA

View Organization Page

Profile

To provide loan services to small businesses

5094 N Fruit AveFresno, CA 93711

www.cencalfinance.com

Siviq Scores

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

Liabilities / Assets

86th percentile

0.48x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

86th percentile

0.86x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2025

Net Margin

28th percentile

-2.3%

Higher net margin than 28% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

90th percentile

$194,666

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

501(c)4 • $1M-$5M nonprofits • Source year 2025

Asset Growth

26th percentile

-2.7%

Faster asset growth than 26% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

10th percentile

-28%

Faster revenue growth than 10% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$3,057,794

Down $19,560 (-0.6%) from 2022

Liabilities

Down

$2,005,128

Down $145,327 (-6.8%) from 2022

Net Assets

Up

$1,052,666

Up $125,767 (+14%) from 2022

Operations
Liabilities / Revenue86th percentileNet Margin28th percentile

Revenue

Up

$1,206,477

Up $114,788 (+11%) from 2022

Expenses

Up

$1,080,710

Up $11,235 (+1.1%) from 2022

Net Income

Up

$125,767

Up $103,553 (+466%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $2,035,715Liabilities 2011: $990,200Net Assets 2011: $1,045,5152011Assets 2012: $2,474,095Liabilities 2012: $1,318,990Net Assets 2012: $1,155,1052012Assets 2013: $2,282,744Liabilities 2013: $1,214,860Net Assets 2013: $1,067,8842013Assets 2014: $1,981,923Liabilities 2014: $1,077,751Net Assets 2014: $904,1722014Assets 2015: $2,116,231Liabilities 2015: $1,319,513Net Assets 2015: $796,7182015Assets 2016: $1,967,644Liabilities 2016: $1,317,332Net Assets 2016: $650,3122016Assets 2017: $1,889,864Liabilities 2017: $1,211,892Net Assets 2017: $677,9722017Assets 2018: $1,948,576Liabilities 2018: $1,226,319Net Assets 2018: $722,2572018Assets 2019: $1,984,381Liabilities 2019: $1,216,369Net Assets 2019: $768,0122019Assets 2020: $2,023,614Liabilities 2020: $1,192,637Net Assets 2020: $830,9772020Assets 2021: $2,900,783Liabilities 2021: $1,996,098Net Assets 2021: $904,6852021Assets 2022: $3,077,354Liabilities 2022: $2,150,455Net Assets 2022: $926,8992022Assets 2023: $3,057,794Liabilities 2023: $2,005,128Net Assets 2023: $1,052,6662023

Highlighted filing

2023

Assets$3,057,794
Liabilities$2,005,128
Net Assets$1,052,666
Open 2023 Filing

Operations Trend

Revenue Growth10th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $595,482Expenses 2011: $627,344Net Income 2011: -$31,8622011Revenue 2012: $717,897Expenses 2012: $608,307Net Income 2012: $109,5902012Revenue 2013: $591,792Expenses 2013: $679,013Net Income 2013: -$87,2212013Revenue 2014: $536,471Expenses 2014: $700,183Net Income 2014: -$163,7122014Revenue 2015: $616,568Expenses 2015: $724,022Net Income 2015: -$107,4542015Revenue 2016: $572,524Expenses 2016: $718,930Net Income 2016: -$146,4062016Revenue 2017: $861,179Expenses 2017: $833,519Net Income 2017: $27,6602017Revenue 2018: $914,958Expenses 2018: $870,673Net Income 2018: $44,2852018Revenue 2019: $970,122Expenses 2019: $924,367Net Income 2019: $45,7552019Revenue 2020: $889,360Expenses 2020: $826,395Net Income 2020: $62,9652020Revenue 2021: $1,062,862Expenses 2021: $989,154Net Income 2021: $73,7082021Revenue 2022: $1,091,689Expenses 2022: $1,069,475Net Income 2022: $22,2142022Revenue 2023: $1,206,477Expenses 2023: $1,080,710Net Income 2023: $125,7672023

Highlighted filing

2023

Revenue$1,206,477
Expenses$1,080,710
Net Income$125,767
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$3,057,794
Liabilities
$2,005,128
Net assets
$1,052,666
Revenue
$1,206,477
Expenses
$1,080,710
Net income
$125,767
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$3.06$2.01$1.05$1.21$1.08$0.13
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.08$2.15$0.93$1.09$1.07$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.90$2.00$0.90$1.06$0.99$0.07
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.02$1.19$0.83$0.89$0.83$0.06
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.98$1.22$0.77$0.97$0.92$0.05
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.95$1.23$0.72$0.91$0.87$0.04
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.89$1.21$0.68$0.86$0.83$0.03
2016Detailed filing. Detailed filing data is available for this year.$1.97$1.32$0.65$0.57$0.72$0.15
2015Summary only. Only limited summary data is available for this year.$2.12$1.32$0.80$0.62$0.72$0.11
2014Summary only. Only limited summary data is available for this year.$1.98$1.08$0.90$0.54$0.70$0.16
2013Summary only. Only limited summary data is available for this year.$2.28$1.21$1.07$0.59$0.68$0.09
2012Summary only. Only limited summary data is available for this year.$2.47$1.32$1.16$0.72$0.61$0.11
2011Summary only. Only limited summary data is available for this year.$2.04$0.99$1.05$0.60$0.63$0.03
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Oct 1, 2019 to Sep 30, 2020
Signed
Dec 18, 2020
Return Version
2019v5.0
Gross Receipts
$936,676
Mission and Program Overview

Mission

To provide loan services to small businesses.

To provide loan services to small businesses

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$717,409$728,746▲ $11,337
Land, Buildings, and Equipment, Net$651,825$628,685▼ $23,140
Accounts Receivable$45,752$42,845▼ $2,907
Prepaid Expenses and Deferred Charges$1,264$0▼ $1,264
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,984,381$2,023,614▲ $39,233
Other Assets Total$568,131$623,338▲ $55,207
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,168,191$1,148,840▼ $19,351
Other Liabilities$34,200$40,900▲ $6,700
Accounts Payable and Accrued Expenses$13,978$2,897▼ $11,081
Total Liabilities$1,216,369$1,192,637▼ $23,732
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$583,374$646,248▲ $62,874
Net Assets With Donor Restrictions$184,638$184,729▲ $91
Total Net Assets Fund Balance$768,012$830,977▲ $62,965
Total Liabilities and Net Assets / Fund Balance$1,984,381$2,023,614▲ $39,233

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$416,846$262,720$679,566
Land$165,000-$165,000
Leasehold Improvements$24,011$105,343$129,354
Equipment$22,828$64,607$87,435
Other Assets Org$623,338--
Compensation and Service Providers
Top Officer Pay90th percentile

Board Members and Trustees

NameTitle
Tal CloudPresident
Dorothy ThomasVice President
Frank C GallegosExecutive Director
Debbie LongSecretary
BRADY McGUINNESSTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$888,302
Investment Income
$1,058
Other Revenue
$0
Change in Net Assets
$62,965
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$556,892
Other Expenses$269,503
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$324,086$41,080-$365,166
Current Officers, Directors, Trustees, and Key Employees$101,503$43,501-$145,004
Insurance$42,818$20,104-$62,922
Office Expenses$44,360$9,876-$54,236
Fees for Services Legal$46,914--$46,914
Payroll Taxes$32,334$6,273-$38,607
Depreciation Depletion$12,016$8,011-$20,027
Fees for Services Accounting$9,403$9,606-$19,009
Occupancy$7,326$3,539-$10,865
Interest$6,216$4,144-$10,360
Advertising$9,918--$9,918
Pension Plan Contributions$6,797$1,318-$8,115
Fees for Services Other$7,158$369-$7,527
Conferences and Meetings$1,806$3,495-$5,301
Travel$3,053$592-$3,645
Other Expenses$1,278$248-$1,526
Total Functional Expenses$669,439$156,956$0$826,395
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Refundable Deposits$40,900
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“Governing body meets monthly, form 990 is reviewed at meeting before submission to irs.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board of directors approves compensation for the executive director and key employees annually”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The organizations governing documents and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Cen Cal Business Finance Group
EIN
77-0030865
Phone
5592271158
Address
5094 N FRUIT AVE, FRESNO, CA 93711

Signing Officer

Name
Frank C Gallegos
Title
Executive Director
Signed
2020-12-18
Discuss with paid preparer
Yes

Organization Details

Formed
1984
Legal Domicile
CA
Voting Board Members
13
Independent Board Members
13
Employees
6

Preparer

Firm
Bryant Jolley CPA
Address
901 N Street Suite 104, Firebaugh, CA 93622
Preparer
Bryant L Jolley CPA
Phone
5596593045
Raw XML Appendix392 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/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherExpensesGrp/Desc1PROPERTY TAXES
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3RENTS & EQUIPMENT LEASE
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12342
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2782
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IRS990/OtherExpensesGrp/TotalAmt15673
IRS990/OtherExpensesGrp/TotalAmt22777
IRS990/OtherExpensesGrp/TotalAmt31526
IRS990/OtherLiabilitiesGrp/BOYAmt034200
IRS990/OtherLiabilitiesGrp/EOYAmt040900
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt041080
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0324086
IRS990/OtherSalariesAndWagesGrp/TotalAmt0365166
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt06273
IRS990/PayrollTaxesGrp/ProgramServicesAmt032334
IRS990/PayrollTaxesGrp/TotalAmt038607
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01318
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt06797
IRS990/PensionPlanContributionsGrp/TotalAmt08115
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01264
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522299
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0888302
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IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt02188
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IRS990/PYRevenuesLessExpensesAmt045755
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IRS990/ReconcilationRevenueExpnssAmt062965
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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt087435
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0623338
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REFUNDABLE DEPOSITS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0GOVERNING BODY MEETS MONTHLY, FORM 990 IS REVIEWED AT MEETING BEFORE SUBMISSION TO IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS APPROVES COMPENSATION FOR THE EXECUTIVE DIRECTOR AND KEY EMPLOYEES ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATIONS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0669439
IRS990/TotalFunctionalExpensesGrp/TotalAmt0826395
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt01192637
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0768012
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0830977
IRS990/TotalProgramServiceExpensesAmt0669439
IRS990/TotalProgramServiceRevenueAmt0888302
IRS990/TotalReportableCompFromOrgAmt0145004
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0889360
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0889360
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01984381
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IRS990/TravelGrp/ManagementAndGeneralAmt0592
IRS990/TravelGrp/ProgramServicesAmt03053
IRS990/TravelGrp/TotalAmt03645
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05094 N FRUIT AVE 103
IRS990/USAddress/CityNm0FRESNO
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd093711
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt013
IRS990/WebsiteAddressTxt0WWW.CENCALFINANCE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-01-07 14:23:13Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0FRANK C GALLEGOS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Dir.
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-12-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CEN CAL BUSINESS FINANCE GROUP
ReturnHeader/Filer/BusinessNameControlTxt0CENC
ReturnHeader/Filer/EIN0770030865
ReturnHeader/Filer/PhoneNum05592271158
ReturnHeader/Filer/USAddress/AddressLine1Txt05094 N FRUIT AVE
ReturnHeader/Filer/USAddress/CityNm0FRESNO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd093711
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0942706107
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Bryant Jolley CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0901 N Street Suite 104
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Firebaugh
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd093622
ReturnHeader/PreparerPersonGrp/PhoneNum05596593045
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRYANT L JOLLEY CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-12-18T12:58:28-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-10-01
ReturnHeader/TaxPeriodEndDt02020-09-30
ReturnHeader/TaxYr02019

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