Civic Intelligence

Tmc Development Working Solutions C/O Emily Gasner

990 • Fiscal year 2017 • EIN 91-1951777

Oct 01, 2016 to Sep 30, 2017 • Filed on Aug 07, 2018

Organization Profilewww.workingsolutions.org
930 Montgomery Street No 400San Francisco, CA 94133

(415) 780-1217

Siviq Scores

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

Liabilities / Assets

76th percentile

0.51x

Higher debt load relative to assets than 76% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

87th percentile

1.76x

Higher debt load relative to revenue than 87% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2017

Net Margin

66th percentile

9.1%

Higher net margin than 66% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

72nd percentile

12%

Faster asset growth than 72% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

33rd percentile

-0.6%

Faster revenue growth than 33% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$9,075,814

Up $947,976 (+12%) from 2016

Net Assets

Up

$4,405,787

Up $22,480 (+0.5%) from 2016

Liabilities

Up

$4,670,027

Up $925,496 (+25%) from 2016

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin66th percentile

Revenue

Down

$2,653,987

Down $14,989 (-0.6%) from 2016

Expenses

Up

$2,412,945

Up $572,835 (+31%) from 2016

Net Income

Down

$241,042

Down $587,824 (-71%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

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

$30M$20M$10M$0Assets 2011: $3,263,184Liabilities 2011: $813,969Net Assets 2011: $2,449,2152011Assets 2012: $3,320,000Liabilities 2012: $682,554Net Assets 2012: $2,637,4462012Assets 2013: $4,679,211Liabilities 2013: $1,074,955Net Assets 2013: $3,604,2562013Assets 2014: $5,266,552Liabilities 2014: $1,069,918Net Assets 2014: $4,196,6342014Assets 2015: $5,815,641Liabilities 2015: $1,148,624Net Assets 2015: $4,667,0172015Assets 2016: $8,127,838Liabilities 2016: $3,744,531Net Assets 2016: $4,383,3072016Assets 2017: $9,075,814Liabilities 2017: $4,670,027Net Assets 2017: $4,405,7872017Assets 2018: $11,069,230Liabilities 2018: $6,568,464Net Assets 2018: $4,500,7662018Assets 2019: $12,591,495Liabilities 2019: $8,018,923Net Assets 2019: $4,572,5722019Assets 2020: $12,755,754Liabilities 2020: $8,072,585Net Assets 2020: $4,683,1692020Assets 2021: $16,888,921Liabilities 2021: $8,354,036Net Assets 2021: $8,534,8852021Assets 2022: $16,295,715Liabilities 2022: $9,008,614Net Assets 2022: $7,287,1012022Assets 2023: $18,529,952Liabilities 2023: $9,120,196Net Assets 2023: $9,409,7562023Assets 2025: $23,135,892Liabilities 2025: $14,103,238Net Assets 2025: $9,032,6542025

Highlighted filing

2017

Assets$9,075,814
Liabilities$4,670,027
Net Assets$4,405,787
Open 2017 Filing

Operations Trend

Revenue Growth33rd percentile

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

$10M$5.0M$0-$5.0MRevenue 2011: $2,081,341Expenses 2011: $528,124Net Income 2011: $1,553,2172011Revenue 2012: $848,687Expenses 2012: $660,456Net Income 2012: $188,2312012Revenue 2013: $1,783,527Expenses 2013: $816,717Net Income 2013: $966,8102013Revenue 2014: $1,944,628Expenses 2014: $1,352,250Net Income 2014: $592,3782014Revenue 2015: $1,915,971Expenses 2015: $1,445,588Net Income 2015: $470,3832015Revenue 2016: $2,668,976Expenses 2016: $1,840,110Net Income 2016: $828,8662016Revenue 2017: $2,653,987Expenses 2017: $2,412,945Net Income 2017: $241,0422017Revenue 2018: $2,238,316Expenses 2018: $2,143,337Net Income 2018: $94,9792018Revenue 2019: $2,753,022Expenses 2019: $2,681,216Net Income 2019: $71,8062019Revenue 2020: $3,494,095Expenses 2020: $3,383,498Net Income 2020: $110,5972020Revenue 2021: $7,387,576Expenses 2021: $3,535,860Net Income 2021: $3,851,7162021Revenue 2022: $2,670,816Expenses 2022: $3,918,600Net Income 2022: -$1,247,7842022Revenue 2023: $6,684,587Expenses 2023: $4,561,932Net Income 2023: $2,122,6552023Revenue 2025: $4,517,533Expenses 2025: $5,062,982Net Income 2025: -$545,4492025

Highlighted filing

2017

Revenue$2,653,987
Expenses$2,412,945
Net Income$241,042
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2016 to Sep 30, 2017
Signed
Aug 7, 2018
Return Version
2016v3.0
Gross Receipts
$2,712,845
Mission and Program Overview

Mission

Working solutions is the first to believe in start-up and early-stage businesses by providing diverse entrepreneurs with affordable capital, customized business consulting, and community connections to increase economic opportunity in the san francisco bay area.

To assist underserved entrepreneurs in the nine San Francisco Bay Area counties by providing them with capital, business consulting, and resources to successfully start and grow a business.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$4,717,331$6,066,037▲ $1,348,706
Savings and Temporary Cash Investments$1,288,285$1,534,568▲ $246,283
Cash and Non-Interest-Bearing Accounts$1,681,919$769,532▼ $912,387
Pledges and Grants Receivable$231,728$566,962▲ $335,234
Land, Buildings, and Equipment, Net$80,674$77,792▼ $2,882
Accounts Receivable$78,451$31,290▼ $47,161
Prepaid Expenses and Deferred Charges$29,322$9,505▼ $19,817
Total Assets$8,127,838$9,075,814▲ $947,976
Other Assets Total$20,128$20,128→ $0
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,579,545$3,965,696▲ $1,386,151
Other Liabilities$448,668$475,035▲ $26,367
Accounts Payable and Accrued Expenses$716,318$229,296▼ $487,022
Total Liabilities$3,744,531$4,670,027▲ $925,496
Net Assets / Fund Balance
Unrestricted Net Assets$3,636,968$3,854,377▲ $217,409
Temporarily Rstr Net Assets$746,339$551,410▼ $194,929
Total Net Assets Fund Balance$4,383,307$4,405,787▲ $22,480
Total Liabilities and Net Assets / Fund Balance$8,127,838$9,075,814▲ $947,976

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$62,792$35,452$98,244
Leasehold Improvements$11,175$8,690$19,865
Other Land Buildings$3,825$11,345$15,170
Investment Program Related Org$6,066,037--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Emily GasnerChief Executive OfficerFT$128,481$16,669$145,150
Sara RazaviChief Operating OfficerFT$114,648$12,065$126,713

Board Members and Trustees

NameTitle
Rebecca GassChair
Frank HaggasVice Chair
Barbara MorrisonDirector
Bill FanningDirector
Jack BertgesDirector
Jacques SanchezDirector
Jeff TarranDirector
Jeremy WestDirector
Katie ColendichDirector
Laurie Gibbs-HarrisDirector
Michael KadelDirector
Peter GoetzeDirector
Christopher LaRoccaDirector through May 2017
Frank TsaiCFO (Contract) through June 2017
Mike VanecekCFO (Pro-Bono) Start July 2017
Victor WongSecretary
Kelly LaroccaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,722,698
Program Service Revenue
$970,582
Investment Income
$965
Other Revenue
$-40,258
All Other Contributions
$1,244,766
Change in Net Assets
$241,042

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,653,987
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$1,099,262
Total Revenue per Audited Statements
$3,753,249
Total Revenue per Form 990
$2,653,987
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,590,844
Other Expenses$822,101
Total Fundraising Expense$325,874
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$759,222$209,016$201,094$1,169,332
Other Expenses$225,463--$225,463
Other Employee Benefits$98,519$28,596$23,882$150,997
Current Officers, Directors, Trustees, and Key Employees$12,658$116,875$18,988$148,521
Fees for Services Other$57,330$33,830$28,225$119,385
Occupancy$75,542$21,827$16,371$113,740
Payroll Taxes$61,628$24,242$17,153$103,023
Information Technology$37,632$51,420$2,650$91,702
Fees for Services Accounting-$71,900-$71,900
Interest$63,364$1,332$999$65,695
Office Expenses$18,003$11,013$4,112$33,128
Advertising$21,161$7,799$3,972$32,932
Travel$18,279$9,392$715$28,386
Depreciation Depletion$18,392$4,103$3,077$25,572
Pension Plan Contributions$12,633$3,000$3,338$18,971
Conferences and Meetings$5,521$1,371$748$7,640
Insurance$3,221$2,787$550$6,558
Total Functional Expenses$1,488,568$598,503$325,874$2,412,945

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$3,512,207
Expenses per Audited Statements$2,412,945
Total Expenses per Form 990$2,412,945
Expenses Not Reported on Form 990$1,099,262
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$58,858
Fundraising Gross Income$18,600
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Annual Breakfast$101,005$18,600$32,796$-14,196
Total Events$101,005$18,600$58,858$-40,258
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Sf Revolving Loan Fund Payable$458,657
Deferred Rent$16,378
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, line 2

“Christopher LaRocca and Kelly LaRocca have a family relationship.”

Form 990, Part VI, Section A, line 3

“Frank Tsai, an independent contractor, fulfilled the role of Chief Financial Officer for the organization through June 2017; Frank Tsai received no calendar year 2016 compensation (as reflected on Form 990, Part VII). Mike Vanecek, an employee with The Mortgage Capital Development Corporation (an affiliated, but not related, 501(c)(4) organization for Form 990 purposes) provided CFO services beginning in July 2017; these services were performed pro-bono.”

Form 990, Part VI, Section B, line 11B

“The form 990 is prepared by an outside tax professional. The form is reviewed by the organization's executive team and the board treasurer. This group of individuals discusses the contents of the return with the outside tax professional after a full review (with modifications where necessary). The final version of the tax return is made available to all members of the organization's voting body prior to filing with the internal revenue service.”

Form 990, Part VI, Section B, line 12C

“The board of directors reviews all potential conflicts of interest at least annually. All personnel and board members are required to disclose potential conflicts and any related party affiliations. Loans between the organization and members of management and the board are strictly prohibited. The organization seeks full transparency on all relationships. Any potential conflicts (in fact or appearance) are discussed openly and resolved in accordance with the organization's policies and procedures.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews the compensation of all high-level personnel annually in accordance with irs rules and regulations. Efforts are made to secure compensation data from industry sources in order to determine competitiveness and appropriateness of salaries. Every effort is made to ensure that the process is thorough and transparent in accordance with irs guidelines and the organization's policies and procedures.”

Form 990, Part VI, Section C, line 19

“All of the organizations governing documents, financial statements, and other legal filings are maintained in a secure environment and held available for inspection by tax authorities and the general public upon request.”

Filing and Contact Details

Filer

Filer Name
TMC Development Working Solutions
EIN
91-1951777
Phone
4157801217
Address
930 Montgomery Street No 400, San Francisco, CA 94133
Doing Business As
Working Solutions

Signing Officer

Name
Sara Razavi
Title
CEO
Phone
4157801217
Signed
2018-08-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sara Razavi
Formed
1999
Legal Domicile
CA
Voting Board Members
14
Independent Board Members
14
Employees
22
Volunteers
80

Preparer

Firm
Moss Adams LLP
Address
101 Second Street Suite 900, San Francisco, CA 94105
Preparer
Joua V Lo
Phone
4159561500
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

“Working Solutions follows U.S.-GAAP relating to the accounting for uncertainty in income taxes. Management believes that Working Solutions has adequately addressed all tax positions and that there are no unrecorded tax liabilities.”

Raw XML AppendixShowing 400 of 577 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0716318
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0229296
IRS990/AccountsReceivableGrp/BOYAmt078451
IRS990/AccountsReceivableGrp/EOYAmt031290
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To assist underserved entrepreneurs in the nine San Francisco Bay Area counties by providing them with capital, business consulting, and resources to successfully start and grow a business.
IRS990/AdvertisingGrp/FundraisingAmt03972
IRS990/AdvertisingGrp/ManagementAndGeneralAmt07799
IRS990/AdvertisingGrp/ProgramServicesAmt021161
IRS990/AdvertisingGrp/TotalAmt032932
IRS990/AllOtherContributionsAmt01244766
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Mike Vanecek
IRS990/BooksInCareOfDetail/PhoneNum04157801217
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0930 Montgomery Street Suite 400
IRS990/BooksInCareOfDetail/USAddress/CityNm0San Francisco
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd094133
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt01681919
IRS990/CashNonInterestBearingGrp/EOYAmt0769532
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt018988
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0116875
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt012658
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0148521
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/FundraisingAmt0748
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt01371
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt05521
IRS990/ConferencesMeetingsGrp/TotalAmt07640
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContriRptFundraisingEventAmt082405
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt01722698
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0965
IRS990/CYOtherExpensesAmt0822101
IRS990/CYOtherRevenueAmt0-40258
IRS990/CYProgramServiceRevenueAmt0970582
IRS990/CYRevenuesLessExpensesAmt0241042
IRS990/CYSalariesCompEmpBnftPaidAmt01590844
IRS990/CYTotalExpensesAmt02412945
IRS990/CYTotalFundraisingExpenseAmt0325874
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02653987
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd01
IRS990/DepreciationDepletionGrp/FundraisingAmt03077
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt04103
IRS990/DepreciationDepletionGrp/ProgramServicesAmt018392
IRS990/DepreciationDepletionGrp/TotalAmt025572
IRS990/Desc0THE ORGANIZATION PROVIDED THE FOLLOWING SERVICES:-MADE MICRO-LOANS/SMALL BUSINESS LOANS FROM $5,000 TO $50,000 IN THE BAY AREA. AT SEPTEMBER 30, 2017, 305 LOANS WERE OUTSTANDING WITH A NET REALIZABLE BALANCE OF $6,066,037.- PROVIDED IN-HOUSE BUSINESS CONSULTANTS DEDICATED TO HELPING ENTREPRENEURS NAVIGATE THE CHALLENGES OF OWNING A SMALL BUSINESS WITH A SPECIFIC FOCUS ON FINANCIAL MANAGEMENT AND SALES.- PROVIDED WORKSHOPS AND NETWORKING OPPORTUNITIES FOR SMALL BUSINESS OWNERS- PROVIDED REFERRALS TO FREE OR LOW-COST SERVICE PROVIDERS (CPA'S, LAWYERS, INDUSTRY EXPERTS, ETC).- PROVIDED SMALL BUSINESS GRANTS
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0Working Solutions
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt022
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt01488568
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditPerformedInd01
IRS990/FederalGrantAuditRequiredInd01
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt071900
IRS990/FeesForServicesAccountingGrp/TotalAmt071900
IRS990/FeesForServicesOtherGrp/FundraisingAmt028225
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt033830
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt057330
IRS990/FeesForServicesOtherGrp/TotalAmt0119385
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt130.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt152.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt162.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd14X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1716669
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1812065
IRS990/Form990PartVIISectionAGrp/PersonNm0Rebecca Gass
IRS990/Form990PartVIISectionAGrp/PersonNm1Frank Haggas
IRS990/Form990PartVIISectionAGrp/PersonNm2Kelly Larocca
IRS990/Form990PartVIISectionAGrp/PersonNm3Victor Wong
IRS990/Form990PartVIISectionAGrp/PersonNm4Barbara Morrison
IRS990/Form990PartVIISectionAGrp/PersonNm5Bill Fanning
IRS990/Form990PartVIISectionAGrp/PersonNm6Christopher LaRocca
IRS990/Form990PartVIISectionAGrp/PersonNm7Jack Bertges
IRS990/Form990PartVIISectionAGrp/PersonNm8Jacques Sanchez
IRS990/Form990PartVIISectionAGrp/PersonNm9Jeff Tarran
IRS990/Form990PartVIISectionAGrp/PersonNm10Jeremy West
IRS990/Form990PartVIISectionAGrp/PersonNm11Katie Colendich
IRS990/Form990PartVIISectionAGrp/PersonNm12Laurie Gibbs-Harris
IRS990/Form990PartVIISectionAGrp/PersonNm13Michael Kadel
IRS990/Form990PartVIISectionAGrp/PersonNm14Peter Goetze
IRS990/Form990PartVIISectionAGrp/PersonNm15Frank Tsai
IRS990/Form990PartVIISectionAGrp/PersonNm16Mike Vanecek
IRS990/Form990PartVIISectionAGrp/PersonNm17Emily Gasner
IRS990/Form990PartVIISectionAGrp/PersonNm18Sara Razavi
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17128481
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18114648
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director through May 2017
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15CFO (Contract) through June 2017
IRS990/Form990PartVIISectionAGrp/TitleTxt16CFO (Pro-Bono) Start July 2017
IRS990/Form990PartVIISectionAGrp/TitleTxt17Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt18Chief Operating Officer
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01999
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd01
IRS990/FundraisingAmt082405
IRS990/FundraisingDirectExpensesAmt058858
IRS990/FundraisingGrossIncomeAmt018600
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt014
IRS990/GovernmentGrantsAmt0395527
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02712845
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt014
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt02650
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt051420
IRS990/InformationTechnologyGrp/ProgramServicesAmt037632
IRS990/InformationTechnologyGrp/TotalAmt091702
IRS990/InsuranceGrp/FundraisingAmt0550
IRS990/InsuranceGrp/ManagementAndGeneralAmt02787
IRS990/InsuranceGrp/ProgramServicesAmt03221
IRS990/InsuranceGrp/TotalAmt06558
IRS990/InterestGrp/FundraisingAmt0999
IRS990/InterestGrp/ManagementAndGeneralAmt01332
IRS990/InterestGrp/ProgramServicesAmt063364
IRS990/InterestGrp/TotalAmt065695
IRS990/InvestmentIncomeGrp/ExclusionAmt0965
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0965
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt04717331
IRS990/InvestmentsProgramRelatedGrp/EOYAmt06066037
IRS990/IRPDocumentCnt037
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt055487
IRS990/LandBldgEquipBasisNetGrp/BOYAmt080674
IRS990/LandBldgEquipBasisNetGrp/EOYAmt077792
IRS990/LandBldgEquipCostOrOtherBssAmt0133279
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Working Solutions is a certified, nonprofit Community Development Financial Institution (CDFI) with a mission to provide affordable capital, customized business consulting, and community connections for underserved entrepreneurs in the San Francisco Bay Area to start and grow thriving local businesses. Specializing in start-up and early-stage financing, Working Solutions creates economic opportunity and builds financial self-sufficiency through entrepreneurship and promotes microenterprise growth to strengthen the local economy, create jobs and build resilient communities.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt02579545
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt03965696
IRS990/NetAssetsOrFundBalancesBOYAmt04383307
IRS990/NetAssetsOrFundBalancesEOYAmt04405787
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-40258
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-40258
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt016371
IRS990/OccupancyGrp/ManagementAndGeneralAmt021827
IRS990/OccupancyGrp/ProgramServicesAmt075542
IRS990/OccupancyGrp/TotalAmt0113740
IRS990/OfficeExpensesGrp/FundraisingAmt04112
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt011013
IRS990/OfficeExpensesGrp/ProgramServicesAmt018003
IRS990/OfficeExpensesGrp/TotalAmt033128
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt020128
IRS990/OtherAssetsTotalGrp/EOYAmt020128
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt023882
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt028596
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt098519
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0150997
IRS990/OtherExpensesGrp/Desc0LOAN LOSS EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt0225463
IRS990/OtherExpensesGrp/TotalAmt0225463
IRS990/OtherLiabilitiesGrp/BOYAmt0448668
IRS990/OtherLiabilitiesGrp/EOYAmt0475035
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0201094
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0209016
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0759222
IRS990/OtherSalariesAndWagesGrp/TotalAmt01169332
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt017153
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt024242
IRS990/PayrollTaxesGrp/ProgramServicesAmt061628
IRS990/PayrollTaxesGrp/TotalAmt0103023
IRS990/PensionPlanContributionsGrp/FundraisingAmt03338
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt03000
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt012633
IRS990/PensionPlanContributionsGrp/TotalAmt018971
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0231728
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0566962
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt029322
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt09505
IRS990/PrincipalOfficerNm0Sara Razavi
IRS990/PriorPeriodAdjustmentsAmt0-218562
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1561000
IRS990/ProgramServiceRevenueGrp/BusinessCd2625990
IRS990/ProgramServiceRevenueGrp/BusinessCd3561000
IRS990/ProgramServiceRevenueGrp/Desc0Program Interest from Loans
IRS990/ProgramServiceRevenueGrp/Desc1Administration Fees
IRS990/ProgramServiceRevenueGrp/Desc2Loan Closing & Other Fees
IRS990/ProgramServiceRevenueGrp/Desc3Consulting Services
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0467893
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1282943
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2180119
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt339627
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0467893
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1282943
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2180119
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt339627
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt02112294
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0355295
IRS990/PYOtherExpensesAmt0513917
IRS990/PYOtherRevenueAmt0-35136
IRS990/PYProgramServiceRevenueAmt0236523
IRS990/PYRevenuesLessExpensesAmt0828866
IRS990/PYSalariesCompEmpBnftPaidAmt01326193
IRS990/PYTotalExpensesAmt01840110
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02668976
IRS990/QuidProQuoContributionsInd01
IRS990/QuidProQuoContriDisclInd01
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0241042
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0970582
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01288285
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01534568
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt01722698
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt02112294
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01490822
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01677119
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01609145
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt08612078
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0965
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0873
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0902
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt02218
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt04958
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt02464160
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.82670

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,075,814
Liabilities
$4,670,027
Net assets
$4,405,787
Revenue
$2,653,987
Expenses
$2,412,945
Net income
$241,042
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.1$14.1$9.03$4.52$5.06$0.55
2023Summary only. Only limited summary data is available for this year.$18.5$9.12$9.41$6.68$4.56$2.12
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.3$9.01$7.29$2.67$3.92$1.25
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.9$8.35$8.53$7.39$3.54$3.85
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.8$8.07$4.68$3.49$3.38$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.6$8.02$4.57$2.75$2.68$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.1$6.57$4.50$2.24$2.14$0.09
2017Detailed filing. Detailed filing data is available for this year.$9.08$4.67$4.41$2.65$2.41$0.24
2016Detailed filing. Detailed filing data is available for this year.$8.13$3.74$4.38$2.67$1.84$0.83
2015Detailed filing. Detailed filing data is available for this year.$5.82$1.15$4.67$1.92$1.45$0.47
2014Summary only. Only limited summary data is available for this year.$5.27$1.07$4.20$1.94$1.35$0.59
2013Summary only. Only limited summary data is available for this year.$4.68$1.07$3.60$1.78$0.82$0.97
2012Summary only. Only limited summary data is available for this year.$3.32$0.68$2.64$0.85$0.66$0.19
2011Summary only. Only limited summary data is available for this year.$3.26$0.81$2.45$2.08$0.53$1.55