Civic Intelligence

Tmc Community Capital

990EZ • Fiscal year 2019 • EIN 82-5204018

Oct 01, 2018 to Sep 30, 2019 • Filed on Jan 30, 2020

Organization ProfileWWW.TMCFINANCING.COM

View Organization Page

1720 Broadway Floor 3Oakland, CA 94612-2137

(415) 989-8855

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

62nd percentile

0.01x

Higher debt load relative to assets than 62% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Liabilities / Revenue

61st percentile

0.00x

Higher debt load relative to revenue than 61% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Net Margin

96th percentile

71%

Higher net margin than 96% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Asset Growth

100th percentile

10455300%

Faster asset growth than 100% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

Score unavailable

No value available

A valid growth rate could not be computed from the available filing history.

Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$104,554

Up $104,553 (+10455300%) from 2018

Net Assets

$103,929

No earlier filing loaded for comparison.

Liabilities

Down

$625

Down $5,735 (-90%) from 2018

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin96th percentile

Revenue

Up

$155,000

Up $155,000 from 2018

Expenses

Up

$44,711

Up $38,351 (+603%) from 2018

Net Income

Up

$110,289

Up $116,649 (+1834%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth100th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0Assets 2018: $1Liabilities 2018: $6,3602018Assets 2019: $104,554Liabilities 2019: $625Net Assets 2019: $103,9292019Assets 2020: $417,546Liabilities 2020: $284,411Net Assets 2020: $133,1352020Assets 2021: $1,020,853Liabilities 2021: $611,827Net Assets 2021: $409,0262021Assets 2022: $2,921,286Liabilities 2022: $2,407,588Net Assets 2022: $513,6982022Assets 2023: $5,301,238Liabilities 2023: $4,369,632Net Assets 2023: $931,6062023Assets 2024: $5,947,225Liabilities 2024: $4,711,609Net Assets 2024: $1,235,6162024

Highlighted filing

2019

Assets$104,554
Liabilities$625
Net Assets$103,929
Open 2019 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2018: $0Expenses 2018: $6,360Net Income 2018: -$6,3602018Revenue 2019: $155,000Expenses 2019: $44,711Net Income 2019: $110,2892019Revenue 2020: $1,057,232Expenses 2020: $1,028,026Net Income 2020: $29,2062020Revenue 2021: $1,405,015Expenses 2021: $1,129,124Net Income 2021: $275,8912021Revenue 2022: $1,206,091Expenses 2022: $1,101,419Net Income 2022: $104,6722022Revenue 2023: $2,351,825Expenses 2023: $1,933,917Net Income 2023: $417,9082023Revenue 2024: $2,855,414Expenses 2024: $2,551,404Net Income 2024: $304,0102024

Highlighted filing

2019

Revenue$155,000
Expenses$44,711
Net Income$110,289
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2018 to Sep 30, 2019
Signed
Jan 30, 2020
Return Version
2018v3.1
Gross Receipts
$155,000
Mission and Program Overview

Mission

TMC Community Capitals purpose is to assist underserved entrepreneurs in the state of California by providing them with access to capital, technical assistance and resources to successfully start and grow a business. TMC Community Capital supports microenterprise growth as a strategy to strengthen the local economy, create jobs, and build strong communities. The Organization provides the following services: Microloans/Small Business Loans $5,000 to $50,000 throughout the state of California Technical Assistance (Business coaching, advising, education, and mentoring) Referrals for Free and Low-Cost Business Resources Educational Presentations on Access to Capital

Tmc community capital provides access to capital for underserved businesses that are not sufficiently credit worthy to obtain conventional bank financing. Those who benefit from the tmc community capital loans are small business owners who do not otherwise qualify for business loans due to their economic status.

Program Services

DescriptionGrantsExpenses
- SUBMITTED A GRANT APPLICATION TO WELLS FARGO- CREATED A LOAN POLICY AND PROCEDURAL MANUAL- UNDERWROTE, APPROVED, AND FUNDED ONE LOAN- SELECTED LENDINGFRONT AS THE ONLINE LENDING PLATFORM$0$44,711
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
HEATHER CAMERONDirector-$0--
TAMISIE HONEYDirector-$0--
LACY LANGDirector-$0--
BARBARA MORRISONDirector / President-$0--
MICHAEL VANECEKDirector / Secretary / CFO-$0--
Filing and Contact Details

Filer

Filer Name
Tmc Community Capital
EIN
82-5204018
Phone
4159898855
Address
1720 BROADWAY FLOOR 3, OAKLAND, CA 94612-2137

Signing Officer

Name
Michael Vanecek
Title
CFO
Phone
4159898855
Signed
2020-01-30
Discuss with paid preparer
Yes

Preparer

Firm
Bpm Llp
Address
10 ALMADEN BOULEVARD SUITE 1000, SAN JOSE, CA 95113-2238
Preparer
Michael Stephen Schaffer
Phone
4089616300
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: auto, parking & tolls. Amount: 302. Description: conference & meetings. Amount: 600. Description: dues and subscriptions. Amount: 875. Description: education. Amount: 525. Description: payroll tax. Amount: 2,043. Description: fees & licenses. Amount: 1,391. Description: insurance. Amount: 2,913. Description: meals & entertainment. Amount: 257. Description: messenger services. Amount: 129. Description: office supplies & software. Amount: 3,458. Description: payroll expenses. Amount: 354. Description: taxes & licenses. Amount: 50. Description: travel. Amount: 1,770. Total to form 990-ez, line 16: 14,667.”

Form 990-ez, Part II, Line 26 - Other Liabilities

“Description: accounts payable. Beg. Of year amount: 6,360. End of year amount: 625.”

Raw XML Appendix153 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.

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IRS990EZ/BooksInCareOfDetail/PhoneNum04159898855
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01720 BROADWAY FLOOR 3
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0OAKLAND
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd0946122137
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt00
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IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0103929
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0HEATHER CAMERON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1TAMISIE HONEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2LACY LANG
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3BARBARA MORRISON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MICHAEL VANECEK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR / PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR / SECRETARY / CFO
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt014667
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TMC COMMUNITY CAPITAL PROVIDES ACCESS TO CAPITAL FOR UNDERSERVED BUSINESSES THAT ARE NOT SUFFICIENTLY CREDIT WORTHY TO OBTAIN CONVENTIONAL BANK FINANCING. THOSE WHO BENEFIT FROM THE TMC COMMUNITY CAPITAL LOANS ARE SMALL BUSINESS OWNERS WHO DO NOT OTHERWISE QUALIFY FOR BUSINESS LOANS DUE TO THEIR ECONOMIC STATUS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0- SUBMITTED A GRANT APPLICATION TO WELLS FARGO- CREATED A LOAN POLICY AND PROCEDURAL MANUAL- UNDERWROTE, APPROVED, AND FUNDED ONE LOAN- SELECTED LENDINGFRONT AS THE ONLINE LENDING PLATFORM
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
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IRS990EZ/ProhibitedTaxShelterTransInd00
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IRS990EZ/SchoolOperatingInd00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0CA
IRS990EZ/SubjectToProxyTaxInd00
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IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0625
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
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IRS990EZ/TotalProgramServiceExpensesAmt044711
IRS990EZ/TotalRevenueAmt0155000
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.TMCFINANCING.COM
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0155000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0155000
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt08100
IRS990ScheduleA/SubstantialContributorsTotAmt0146900
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0155000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0155000
IRS990ScheduleA/TotalSupportAmt0155000
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: AUTO, PARKING & TOLLS. AMOUNT: 302. DESCRIPTION: CONFERENCE & MEETINGS. AMOUNT: 600. DESCRIPTION: DUES AND SUBSCRIPTIONS. AMOUNT: 875. DESCRIPTION: EDUCATION. AMOUNT: 525. DESCRIPTION: PAYROLL TAX. AMOUNT: 2,043. DESCRIPTION: FEES & LICENSES. AMOUNT: 1,391. DESCRIPTION: INSURANCE. AMOUNT: 2,913. DESCRIPTION: MEALS & ENTERTAINMENT. AMOUNT: 257. DESCRIPTION: MESSENGER SERVICES. AMOUNT: 129. DESCRIPTION: OFFICE SUPPLIES & SOFTWARE. AMOUNT: 3,458. DESCRIPTION: PAYROLL EXPENSES. AMOUNT: 354. DESCRIPTION: TAXES & LICENSES. AMOUNT: 50. DESCRIPTION: TRAVEL. AMOUNT: 1,770. TOTAL TO FORM 990-EZ, LINE 16: 14,667.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 6,360. END OF YEAR AMOUNT: 625.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL VANECEK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum04159898855
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-01-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TMC COMMUNITY CAPITAL
ReturnHeader/Filer/BusinessNameControlTxt0TMCC
ReturnHeader/Filer/EIN0825204018
ReturnHeader/Filer/PhoneNum04159898855
ReturnHeader/Filer/USAddress/AddressLine1Txt01720 BROADWAY FLOOR 3
ReturnHeader/Filer/USAddress/CityNm0OAKLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd0946122137
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ReturnHeader/FilingSecurityInformation/IPDt02020-01-30
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm018:08:26
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0814234542
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BPM LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010 ALMADEN BOULEVARD SUITE 1000
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAN JOSE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0951132238
ReturnHeader/PreparerPersonGrp/PhoneNum04089616300
ReturnHeader/PreparerPersonGrp/PreparationDt02020-01-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL STEPHEN SCHAFFER
ReturnHeader/ReturnTs02020-02-11T10:47:37-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-10-01
ReturnHeader/TaxPeriodEndDt02019-09-30
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$104,554
Liabilities
$625
Net assets
$103,929
Revenue
$155,000
Expenses
$44,711
Net income
$110,289
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.95$4.71$1.24$2.86$2.55$0.30
2023Detailed filing. Detailed filing data is available for this year.$5.30$4.37$0.93$2.35$1.93$0.42
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.92$2.41$0.51$1.21$1.10$0.10
2021Detailed filing. Detailed filing data is available for this year.$1.02$0.61$0.41$1.41$1.13$0.28
2020Detailed filing. Detailed filing data is available for this year.$0.42$0.28$0.13$1.06$1.03$0.03
2019Detailed filing. Detailed filing data is available for this year.$0.10$0.00$0.10$0.16$0.04$0.11
2018Summary only. Only limited summary data is available for this year.$0.00$0.01$0.00$0.01$0.01