Civic Intelligence

Tmc Development Working Solutions C/O Emily Gasner

990 • Fiscal year 2020 • EIN 91-1951777

Oct 01, 2019 to Sep 30, 2020 • Filed on Mar 29, 2021

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

79th percentile

0.63x

Higher debt load relative to assets than 79% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

89th percentile

2.31x

Higher debt load relative to revenue than 89% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Net Margin

47th percentile

3.2%

Higher net margin than 47% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2020

Asset Growth

32nd percentile

1.3%

Faster asset growth than 32% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

82nd percentile

27%

Faster revenue growth than 82% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$12,755,754

Up $164,259 (+1.3%) from 2019

Net Assets

Up

$4,683,169

Up $110,597 (+2.4%) from 2019

Liabilities

Up

$8,072,585

Up $53,662 (+0.7%) from 2019

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin47th percentile

Revenue

Up

$3,494,095

Up $741,073 (+27%) from 2019

Expenses

Up

$3,383,498

Up $702,282 (+26%) from 2019

Net Income

Up

$110,597

Up $38,791 (+54%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth32nd 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

2020

Assets$12,755,754
Liabilities$8,072,585
Net Assets$4,683,169
Open 2020 Filing

Operations Trend

Revenue Growth82nd 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

2020

Revenue$3,494,095
Expenses$3,383,498
Net Income$110,597
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2019 to Sep 30, 2020
Signed
Mar 29, 2021
Return Version
2019v5.2
Gross Receipts
$3,494,095
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.

Working solutions is a certified nonprofit community development financial institution (cdfi) that supports san francisco bay area entrepreneurs to start and grow thriving local businesses. We specialize in start-up and early-stage financing for individuals residing in the nine bay area counties and provide support via capital, consulting, and community connections.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$7,052,970$6,784,156▼ $268,814
Savings and Temporary Cash Investments$2,245,772$3,271,035▲ $1,025,263
Cash and Non-Interest-Bearing Accounts$3,005,157$1,675,693▼ $1,329,464
Pledges and Grants Receivable$149,284$885,353▲ $736,069
Accounts Receivable$47,147$92,300▲ $45,153
Land, Buildings, and Equipment, Net$32,221$16,331▼ $15,890
Prepaid Expenses and Deferred Charges$37,340$9,282▼ $28,058
Total Assets$12,591,495$12,755,754▲ $164,259
Other Assets Total$21,604$21,604→ $0
Liabilities
Unsecured Notes Loans Payable$6,693,065$6,827,382▲ $134,317
Mortgage Notes Payable Secured by Investment Property$714,102$628,612▼ $85,490
Other Liabilities$460,743$461,329▲ $586
Accounts Payable and Accrued Expenses$143,013$147,087▲ $4,074
Escrow Account Liability$8,000$8,175▲ $175
Total Liabilities$8,018,923$8,072,585▲ $53,662
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,090,921$4,064,419▼ $26,502
Net Assets With Donor Restrictions$481,651$618,750▲ $137,099
Total Net Assets Fund Balance$4,572,572$4,683,169▲ $110,597
Total Liabilities and Net Assets / Fund Balance$12,591,495$12,755,754▲ $164,259

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,331$86,607$102,938
Leasehold Improvements$0$19,865$19,865
Other Land Buildings$0$15,170$15,170
Investment Program Related Org$6,784,156--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Inga MorkCOO/CFOFT$189,500$22,674$212,174
Sara RazaviChief Executive OfficerFT$168,089$23,290$191,379
Laura HooverChief Development OfficerFT$127,750$37,591$165,341

Board Members and Trustees

NameTitle
Franklin HaggasChair
Victor WongVice Chair
Darcy F MackayDirector
Emily GasnerDirector
Haseeb ChaudhryDirector
Jeff TarranDirector
Jeremy WestDirector
Lena RobinsonDirector
Marci RosenfeldDirector
Megan MaloneyDirector
Olivia RebanalDirector
Katie ColendichDirector Through 1/2020
Laurie Gibbs HarrisDirector Through 1/2020
Michael KadelDirector Through 2/2020
Bill FanningSecretary
Amy LeeTreasurer Through 6/2020
Revenue and Support

Revenue Composition

Contributions and Grants
$2,145,644
Program Service Revenue
$1,329,878
Investment Income
$18,573
Other Revenue
$0
All Other Contributions
$2,062,712
Change in Net Assets
$110,597

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,494,095
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$218,953
Total Revenue per Audited Statements
$3,713,048
Total Revenue per Form 990
$3,494,095
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,956,351
Other Expenses$1,427,147
Total Fundraising Expense$442,409
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$926,612$78,925$238,663$1,244,200
Current Officers, Directors, Trustees, and Key Employees$113,462$260,567$17,984$392,013
Fees for Services Other$57,793$167,731$37,892$263,416
Other Employee Benefits$103,425$48,576$42,132$194,133
Information Technology$91,402$60,098$33,848$185,348
Interest$162,313$12,449-$174,762
Occupancy$69,470$35,955$28,746$134,171
Payroll Taxes$80,808$1,044$20,821$102,673
Fees for Services Accounting-$63,850-$63,850
Office Expenses$19,789$12,088$4,308$36,185
Pension Plan Contributions$15,076$1,594$6,662$23,332
Depreciation Depletion$8,534$3,825$3,531$15,890
Insurance$3,671$8,176$1,519$13,366
Advertising$8,333$752$2,861$11,946
Conferences and Meetings$5,493$2,843$2,059$10,395
Travel$4,781$735$244$5,760
Other Expenses$459$302$190$951
Total Functional Expenses$2,177,145$763,944$442,409$3,383,498

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$3,602,451
Expenses per Audited Statements$3,383,498
Total Expenses per Form 990$3,383,498
Expenses Not Reported on Form 990$218,953
Expenses Not Reported on Financial Statements$0
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
Sf Revolving Loan Fund Payable$458,657
Deferred Rent$2,672
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 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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“A draft form 990 is prepared by an outside tax professional in conjunction with the organization's finance and accounting department. The draft form 990 is then reviewed by the cfo and ceo; adjustments are made, as necessary. The final version of the form 990 is then made available to all members of the organization's voting governing 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, which includes recusal from the decision-making process by the conflicted individual.”

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

“The organization's governing documents, financial statements, and conflict of interest policy are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Working Solutions Cdfi
EIN
91-1951777
Phone
4157801217
Address
930 MONTGOMERY STREET NO 400, SAN FRANCISCO, CA 94133

Signing Officer

Name
Sara Razavi
Title
CEO
Phone
4157801217
Signed
2021-03-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sara Razavi
Formed
1999
Legal Domicile
CA
Voting Board Members
12
Independent Board Members
12
Employees
25
Volunteers
80

Preparer

Firm
Moss Adams Llp
Address
101 SECOND STREET SUITE 900, SAN FRANCISCO, CA 94105
Preparer
Michael Lumsden
Phone
4159561500
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“From time to time, working solutions will hold cash received in an agency capacity. These assets represent cash received from financial institutions, government agencies, or not-for-profit organizations working solutions is acting as an agent for. The cash received is for the ultimate benefit of the unrelated organizations who participate in programs which working solutions helps administer funds for. Cash is recorded as an asset on form 990, part x; a corresponding liability for the same amount is also recorded on form 990, part x, line 21.”

PART X, LINE 2:

“U.s. Gaap requires working solutions management to evaluate tax positions taken by working solutions and recognize a tax liability (or asset), if working solutions has taken an uncertain position that more likely than not would not be sustained upon examination by the internal revenue service. Working solutions' evaluation on september 30, 2020 and 2019 revealed no tax positions that would have a material impact on the financial statements.”

Raw XML AppendixShowing 400 of 630 raw XML fields

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IRS990/ActivityOrMissionDesc0WORKING SOLUTIONS IS A CERTIFIED NONPROFIT COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) THAT SUPPORTS SAN FRANCISCO BAY AREA ENTREPRENEURS TO START AND GROW THRIVING LOCAL BUSINESSES. WE SPECIALIZE IN START-UP AND EARLY-STAGE FINANCING FOR INDIVIDUALS RESIDING IN THE NINE BAY AREA COUNTIES AND PROVIDE SUPPORT VIA CAPITAL, CONSULTING, AND COMMUNITY CONNECTIONS.
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IRS990/Desc0WORKING SOLUTIONS CDFI ("WORKING SOLUTIONS OR "THE ORGANIZATION") IS A CALIFORNIA NONPROFIT CORPORATION AND A CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI). WORKING SOLUTIONS IS THE FIRST TO BELIEVE IN START-UP AND EARLY-STAGE BUSINESSES BY PROVIDING AFFORDABLE CAPITAL, CUSTOMIZED BUSINESS CONSULTING, AND COMMUNITY CONNECTIONS TO DIVERSE ENTREPRENEURS - WITH A FOCUS ON LOW-INCOME INDIVIDUALS, ENTREPRENEURS OF COLOR, AND WOMEN - TO INCREASE ECONOMIC OPPORTUNITY IN THE SAN FRANCISCO BAY AREA. WORKING SOLUTIONS SUPPORTS MICROENTERPRISE GROWTH TO STRENGTHEN THE LOCAL ECONOMY, CREATE JOBS, AND BUILD STRONG COMMUNITIES. WORKING SOLUTIONS PROVIDES THE FOLLOWING SERVICES: (I) MICROLOANS FROM $5,000 TO $50,000; (II) SMALL BUSINESS GRANTS; (III) FREE, ONE-ON-ONE BUSINESS CONSULTING TO HELP ENTREPRENEURS NAVIGATE THE CHALLENGES OF OWNING A SMALL BUSINESS WITH A SPECIFIC FOCUS ON FINANCIAL MANAGEMENT AND REAL ESTATE SERVICES; AND (IV) REFERRALS TO FREE OR LOW-COST SERVICE PROVIDERS (CPAS, LAWYERS, INDUSTRY EXPERTS, ETC.).
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IRS990/Form990PartVIISectionAGrp/PersonNm1SARA RAZAVI
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IRS990/Form990PartVIISectionAGrp/PersonNm3FRANKLIN HAGGAS
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IRS990/Form990PartVIISectionAGrp/PersonNm8KATIE COLENDICH
IRS990/Form990PartVIISectionAGrp/PersonNm9EMILY GASNER
IRS990/Form990PartVIISectionAGrp/PersonNm10LAURIE GIBBS HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm11MICHAEL KADEL
IRS990/Form990PartVIISectionAGrp/PersonNm12DARCY F MACKAY
IRS990/Form990PartVIISectionAGrp/PersonNm13MEGAN MALONEY
IRS990/Form990PartVIISectionAGrp/PersonNm14OLIVIA REBANAL
IRS990/Form990PartVIISectionAGrp/PersonNm15LENA ROBINSON
IRS990/Form990PartVIISectionAGrp/PersonNm16MARCI ROSENFELD
IRS990/Form990PartVIISectionAGrp/PersonNm17JEFF TARRAN
IRS990/Form990PartVIISectionAGrp/PersonNm18JEREMY WEST
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0197348
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1181789
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2145352
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/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
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/TitleTxt0COO/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHIEF DEVELOPMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER THROUGH 6/2020
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR THROUGH 1/2020
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR THROUGH 1/2020
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR THROUGH 2/2020
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01999
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GovernmentGrantsAmt082932
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03494095
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt033848
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt060098
IRS990/InformationTechnologyGrp/ProgramServicesAmt091402
IRS990/InformationTechnologyGrp/TotalAmt0185348
IRS990/InsuranceGrp/FundraisingAmt01519
IRS990/InsuranceGrp/ManagementAndGeneralAmt08176
IRS990/InsuranceGrp/ProgramServicesAmt03671
IRS990/InsuranceGrp/TotalAmt013366
IRS990/InterestGrp/ManagementAndGeneralAmt012449
IRS990/InterestGrp/ProgramServicesAmt0162313
IRS990/InterestGrp/TotalAmt0174762
IRS990/InvestmentIncomeGrp/ExclusionAmt018573
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt018573
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt07052970
IRS990/InvestmentsProgramRelatedGrp/EOYAmt06784156
IRS990/IRPDocumentCnt037
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0121642
IRS990/LandBldgEquipBasisNetGrp/BOYAmt032221
IRS990/LandBldgEquipBasisNetGrp/EOYAmt016331
IRS990/LandBldgEquipCostOrOtherBssAmt0137973
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WORKING 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0714102
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0628612
IRS990/NetAssetsOrFundBalancesBOYAmt04572572
IRS990/NetAssetsOrFundBalancesEOYAmt04683169
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt04090921
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt04064419
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt028746
IRS990/OccupancyGrp/ManagementAndGeneralAmt035955
IRS990/OccupancyGrp/ProgramServicesAmt069470
IRS990/OccupancyGrp/TotalAmt0134171
IRS990/OfficeExpensesGrp/FundraisingAmt04308
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt012088
IRS990/OfficeExpensesGrp/ProgramServicesAmt019789
IRS990/OfficeExpensesGrp/TotalAmt036185
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt021604
IRS990/OtherAssetsTotalGrp/EOYAmt021604
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt042132
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt048576
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0103425
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0194133
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING AND CLIE
IRS990/OtherExpensesGrp/Desc2MEMBERSHIP DUES/LICENSE
IRS990/OtherExpensesGrp/Desc3OFFSITE STORAGE
IRS990/OtherExpensesGrp/FundraisingAmt0949
IRS990/OtherExpensesGrp/FundraisingAmt1190
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt040
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt14394
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2302
IRS990/OtherExpensesGrp/ProgramServicesAmt0470704
IRS990/OtherExpensesGrp/ProgramServicesAmt127010
IRS990/OtherExpensesGrp/ProgramServicesAmt28010
IRS990/OtherExpensesGrp/ProgramServicesAmt3459
IRS990/OtherExpensesGrp/TotalAmt0470704
IRS990/OtherExpensesGrp/TotalAmt127050
IRS990/OtherExpensesGrp/TotalAmt213353
IRS990/OtherExpensesGrp/TotalAmt3951
IRS990/OtherLiabilitiesGrp/BOYAmt0460743
IRS990/OtherLiabilitiesGrp/EOYAmt0461329
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0238663
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt078925
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0926612
IRS990/OtherSalariesAndWagesGrp/TotalAmt01244200
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt020821
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01044
IRS990/PayrollTaxesGrp/ProgramServicesAmt080808
IRS990/PayrollTaxesGrp/TotalAmt0102673
IRS990/PensionPlanContributionsGrp/FundraisingAmt06662
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01594
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt015076
IRS990/PensionPlanContributionsGrp/TotalAmt023332
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0149284
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0885353
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt037340
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt09282
IRS990/PrincipalOfficerNm0SARA RAZAVI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1561000
IRS990/ProgramServiceRevenueGrp/BusinessCd2625990
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM INTEREST FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1ADMINISTRATION FEES
IRS990/ProgramServiceRevenueGrp/Desc2CLIENT FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0646991
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1554777
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2128110
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0646991
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1554777
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2128110
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01723833
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt012824
IRS990/PYOtherExpensesAmt01120268
IRS990/PYOtherRevenueAmt0-72872
IRS990/PYProgramServiceRevenueAmt01089237
IRS990/PYRevenuesLessExpensesAmt071806
IRS990/PYSalariesCompEmpBnftPaidAmt01560948
IRS990/PYTotalExpensesAmt02681216
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02753022
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0110597
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt01329878
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02245772
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03271035
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt02145644
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01723833
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01189982
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01722698
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt02112294
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt08894451
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt018753
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt012824

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,755,754
Liabilities
$8,072,585
Net assets
$4,683,169
Revenue
$3,494,095
Expenses
$3,383,498
Net income
$110,597
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
2020Detailed filing. Detailed filing data is available for this year.$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
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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