Civic Intelligence

Valley Small Business Development Corporation

EIN 94-2461685 • 501(c)3 • Fresno, CA

View Organization Page

Profile

Providing capital, management assistance and other financial resources, including loan services, personnel and business education to small business entrepreneurs in economically disadvantaged areas, and thereby stimulating economic development.

7035 North Fruit AvenueFresno, CA 93711

www.vsbdc.com

Siviq Scores

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

Liabilities / Assets

84th percentile

0.70x

Higher debt load relative to assets than 84% of similar nonprofits.

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

Liabilities / Revenue

96th percentile

7.70x

Higher debt load relative to revenue than 96% of similar nonprofits.

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

Net Margin

52nd percentile

5.0%

Higher net margin than 52% of similar nonprofits.

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

Top Officer Pay

57th percentile

$208,680

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 10.1% of source-year revenue.

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

Asset Growth

25th percentile

-2.2%

Faster asset growth than 25% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

27th percentile

-3.6%

Faster revenue growth than 27% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$22,888,649

Down $524,588 (-2.2%) from 2024

Liabilities

Down

$15,977,489

Down $628,206 (-3.8%) from 2024

Net Assets

Up

$6,911,160

Up $103,618 (+1.5%) from 2024

Operations
Liabilities / Revenue96th percentileNet Margin52nd percentile

Revenue

Down

$2,074,276

Down $78,222 (-3.6%) from 2024

Expenses

Up

$1,970,658

Up $117,159 (+6.3%) from 2024

Net Income

Down

$103,618

Down $195,381 (-65%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$30M$20M$10M$0Assets 2010: $17,584,292Liabilities 2010: $11,321,524Net Assets 2010: $6,262,7682010Assets 2011: $19,841,071Liabilities 2011: $12,282,194Net Assets 2011: $7,558,8772011Assets 2012: $23,458,760Liabilities 2012: $16,076,459Net Assets 2012: $7,382,3012012Assets 2013: $20,909,137Liabilities 2013: $13,842,554Net Assets 2013: $7,066,5832013Assets 2014: $20,503,502Liabilities 2014: $13,524,760Net Assets 2014: $6,978,7422014Assets 2015: $16,551,317Liabilities 2015: $14,721,815Net Assets 2015: $1,829,5022015Assets 2016: $15,897,681Liabilities 2016: $13,932,931Net Assets 2016: $1,964,7502016Assets 2017: $17,331,277Liabilities 2017: $15,280,477Net Assets 2017: $2,050,8002017Assets 2018: $18,603,415Liabilities 2018: $16,408,689Net Assets 2018: $2,194,7262018Assets 2019: $18,387,758Liabilities 2019: $15,721,399Net Assets 2019: $2,666,3592019Assets 2020: $18,400,869Liabilities 2020: $14,909,013Net Assets 2020: $3,491,8562020Assets 2021: $19,405,908Liabilities 2021: $15,104,553Net Assets 2021: $4,301,3552021Assets 2022: $20,013,604Liabilities 2022: $14,993,162Net Assets 2022: $5,020,4422022Assets 2023: $19,113,461Liabilities 2023: $12,604,918Net Assets 2023: $6,508,5432023Assets 2024: $23,413,237Liabilities 2024: $16,605,695Net Assets 2024: $6,807,5422024Assets 2025: $22,888,649Liabilities 2025: $15,977,489Net Assets 2025: $6,911,1602025

Highlighted filing

2025

Assets$22,888,649
Liabilities$15,977,489
Net Assets$6,911,160
Open 2025 Filing

Operations Trend

Revenue Growth27th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,482,1242010Revenue 2011: $3,691,131Expenses 2011: $2,394,440Net Income 2011: $1,296,6912011Expenses 2012: $2,081,8052012Expenses 2013: $1,978,2172013Revenue 2014: $1,636,133Expenses 2014: $1,735,918Net Income 2014: -$99,7852014Revenue 2015: $1,710,873Expenses 2015: $1,671,733Net Income 2015: $39,1402015Revenue 2016: $1,886,716Expenses 2016: $1,775,468Net Income 2016: $111,2482016Revenue 2017: $1,786,923Expenses 2017: $1,700,873Net Income 2017: $86,0502017Revenue 2018: $1,868,862Expenses 2018: $1,724,936Net Income 2018: $143,9262018Revenue 2019: $2,561,608Expenses 2019: $2,089,975Net Income 2019: $471,6332019Revenue 2020: $2,675,434Expenses 2020: $1,849,937Net Income 2020: $825,4972020Revenue 2021: $2,458,258Expenses 2021: $1,648,759Net Income 2021: $809,4992021Revenue 2022: $2,277,955Expenses 2022: $1,558,868Net Income 2022: $719,0872022Revenue 2023: $3,097,036Expenses 2023: $1,608,935Net Income 2023: $1,488,1012023Revenue 2024: $2,152,498Expenses 2024: $1,853,499Net Income 2024: $298,9992024Revenue 2025: $2,074,276Expenses 2025: $1,970,658Net Income 2025: $103,6182025

Highlighted filing

2025

Revenue$2,074,276
Expenses$1,970,658
Net Income$103,618
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$22,888,649
Liabilities
$15,977,489
Net assets
$6,911,160
Revenue
$2,074,276
Expenses
$1,970,658
Net income
$103,618
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.9$16.0$6.91$2.07$1.97$0.10
2024Detailed filing. Detailed filing data is available for this year.$23.4$16.6$6.81$2.15$1.85$0.30
2023Detailed filing. Detailed filing data is available for this year.$19.1$12.6$6.51$3.10$1.61$1.49
2022Detailed filing. Detailed filing data is available for this year.$20.0$15.0$5.02$2.28$1.56$0.72
2021Detailed filing. Detailed filing data is available for this year.$19.4$15.1$4.30$2.46$1.65$0.81
2020Detailed filing. Detailed filing data is available for this year.$18.4$14.9$3.49$2.68$1.85$0.83
2019Detailed filing. Detailed filing data is available for this year.$18.4$15.7$2.67$2.56$2.09$0.47
2018Detailed filing. Detailed filing data is available for this year.$18.6$16.4$2.19$1.87$1.72$0.14
2017Detailed filing. Detailed filing data is available for this year.$17.3$15.3$2.05$1.79$1.70$0.09
2016Detailed filing. Detailed filing data is available for this year.$15.9$13.9$1.96$1.89$1.78$0.11
2015Detailed filing. Detailed filing data is available for this year.$16.6$14.7$1.83$1.71$1.67$0.04
2014Detailed filing. Detailed filing data is available for this year.$20.5$13.5$6.98$1.64$1.74$0.10
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.9$13.8$7.07$1.98
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.5$16.1$7.38$2.08
2011Summary only. Only limited summary data is available for this year.$19.8$12.3$7.56$3.69$2.39$1.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.6$11.3$6.26$2.48
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$2,074,276
Mission and Program Overview

Mission

Providing capital, management assistance and other financial resources, including loan services, personnel, and business education to small business entrepreneurs in economically disadvantaged areas, and thereby stimulating economic development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,592,318$12,080,582▼ $1,511,736
Cash and Non-Interest-Bearing Accounts$8,473,118$9,303,894▲ $830,776
Land, Buildings, and Equipment, Net$928,588$885,195▼ $43,393
Accounts Receivable$396,547$303,244▼ $93,303
Prepaid Expenses and Deferred Charges$21,945$19,960▼ $1,985
Savings and Temporary Cash Investments-$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$23,413,237$22,888,649▼ $524,588
Other Assets Total$721$295,774▲ $295,053
Liabilities
Mortgage Notes Payable Secured by Investment Property$16,158,489$15,307,124▼ $851,365
Deferred Revenue$282,190$457,804▲ $175,614
Accounts Payable and Accrued Expenses$165,016$212,561▲ $47,545
Total Liabilities$16,605,695$15,977,489▼ $628,206
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,807,542$6,911,160▲ $103,618
Total Net Assets Fund Balance$6,807,542$6,911,160▲ $103,618
Total Liabilities and Net Assets / Fund Balance$23,413,237$22,888,649▼ $524,588

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$513,634$608,523$1,122,157
Land$347,721-$347,721
Other Land Buildings$23,840$148,571$172,411
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debbie RavenCEOFT$165,392$43,288$208,680

Board Members and Trustees

NameTitle
Antonio AvalosChairman
Ken HerronVice Chairman
Ali NekumaneshDirector
Frank GallegosDirector
Julia PicherDirector
Kee XiongDirector
Robert PoythressDirector
Susan WoesnerSecretary
Oscar EspinozaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$383,412
Program Service Revenue
$1,698,722
Investment Income
$0
Other Revenue
$-7,858
All Other Contributions
$246,000
Change in Net Assets
$103,618

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,074,276
Total Revenue per Audited Statements
$2,074,276
Total Revenue per Form 990
$2,074,276
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,211,901
Salaries, Compensation, and Employee Benefits$758,757
Total Fundraising Expense$2,741
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$766,196--$766,196
Other Salaries and Wages$350,660$116,887-$467,547
Current Officers, Directors, Trustees, and Key Employees$156,510$52,170-$208,680
Fees for Services Other$35,180$140,720-$175,900
Other Employee Benefits$61,898$20,632-$82,530
Occupancy-$48,104-$48,104
Advertising$23,968--$23,968
Other Expenses$8,915$7,132$1,782$17,829
Travel$5,768$1,648$824$8,240
Conferences and Meetings-$5,135-$5,135
Insurance-$1,348-$1,348
All Other Expenses$-3,035$3,059$135$159
Total Functional Expenses$1,433,382$534,535$2,741$1,970,658

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,970,658
Total Expenses per Audited Statements$1,970,658
Total Expenses per Form 990$1,970,658
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
Insider Transactions and Loans

Loans and Receivables

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

“Information returns were reviewed by management. Copies were made available to Board members prior to filing.”

Form 990, Part VI, Section B, Line 15A

“Regional Compensation surveys for the CEO's compensation.”

Form 990, Part VI, Section B, Line 15B

“Prevaling pay scales.”

Form 990, Part VI, Section C, Line 19

“Upon request at the company headquarters - guidestar website.”

Filing and Contact Details

Filer

Filer Name
Valley Small Business Development
EIN
94-2461685
Phone
5594389680
Address
7035 North Fruit Avenue, Fresno, CA 93711

Signing Officer

Name
Debbie Raven
Title
CEO
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debbie Raven
Formed
1977
Legal Domicile
CA
Voting Board Members
10
Independent Board Members
9
Employees
7

Preparer

Firm
Henderson CPAs
Address
7086 N Maple Ave Ste 104, Fresno, CA 93720
Preparer
Brian Henderson
Phone
5594127576
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“The Corporation has qualified as a non-profit corporation and has been granted tax-exempt status pursuant to Internal Revenue Code Section 501 (C)(3) and California Revenue and Taxation Code Section 23701(D) and is exempt from federal and state of California income taxes.Generally Accepted Accounting Principles provides accounting and disclosure guidance about positions taken by an entity in its tax returns that might be uncertain.Management has considered its tax positions and believes that all of the positions taken in its federal and state exempt organization tax returns are more likely than not to be sustained upon examination. The corporation's returns are subject to examination by federal and state taxing authorities, generally for three years and four years, respectively, after they are filed.”

Raw XML AppendixShowing 400 of 502 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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Corporation has qualified as a non-profit corporation and has been granted tax-exempt status pursuant to Internal Revenue Code Section 501 (C)(3) and California Revenue and Taxation Code Section 23701(D) and is exempt from federal and state of California income taxes.Generally Accepted Accounting Principles provides accounting and disclosure guidance about positions taken by an entity in its tax returns that might be uncertain.Management has considered its tax positions and believes that all of the positions taken in its federal and state exempt organization tax returns are more likely than not to be sustained upon examination. The corporation's returns are subject to examination by federal and state taxing authorities, generally for three years and four years, respectively, after they are filed.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
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