Civic Intelligence

Valley Small Business Development Corporation

990 • Fiscal year 2024 • EIN 94-2461685

Jul 01, 2023 to Jun 30, 2024 • Filed on May 15, 2025

Organization ProfileWWW.VSBDC.COM

View Organization Page

7035 North Fruit AvenueFresno, CA 93711

(559) 438-9680

Siviq Scores

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

Liabilities / Assets

85th percentile

0.71x

Higher debt load relative to assets than 85% of similar nonprofits.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

7.71x

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

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

68th percentile

14%

Higher net margin than 68% of similar nonprofits.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

47th percentile

$175,128

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 8.1% of source-year revenue.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

83rd percentile

22%

Faster asset growth than 83% of similar nonprofits.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

9th percentile

-30%

Faster revenue growth than 9% of similar nonprofits.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$23,413,237

Up $4,299,776 (+22%) from 2023

Net Assets

Up

$6,807,542

Up $298,999 (+4.6%) from 2023

Liabilities

Up

$16,605,695

Up $4,000,777 (+32%) from 2023

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin68th percentile

Revenue

Down

$2,152,498

Down $944,538 (-30%) from 2023

Expenses

Up

$1,853,499

Up $244,564 (+15%) from 2023

Net Income

Down

$298,999

Down $1,189,102 (-80%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$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

2024

Assets$23,413,237
Liabilities$16,605,695
Net Assets$6,807,542
Open 2024 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income across loaded years, with this 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

2024

Revenue$2,152,498
Expenses$1,853,499
Net Income$298,999
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 15, 2025
Return Version
2023v6.0
Gross Receipts
$2,152,498
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.

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$8,528,780$13,592,318▲ $5,063,538
Cash and Non-Interest-Bearing Accounts$7,373,332$8,473,118▲ $1,099,786
Savings and Temporary Cash Investments$1,835,957$0▼ $1,835,957
Land, Buildings, and Equipment, Net$965,199$928,588▼ $36,611
Accounts Receivable$391,913$396,547▲ $4,634
Prepaid Expenses and Deferred Charges$17,559$21,945▲ $4,386
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$19,113,461$23,413,237▲ $4,299,776
Other Assets Total$721$721→ $0
Liabilities
Mortgage Notes Payable Secured by Investment Property$12,377,806$16,158,489▲ $3,780,683
Deferred Revenue$85,566$282,190▲ $196,624
Accounts Payable and Accrued Expenses$141,546$165,016▲ $23,470
Total Liabilities$12,604,918$16,605,695▲ $4,000,777
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,508,543$6,807,542▲ $298,999
Total Net Assets Fund Balance$6,508,543$6,807,542▲ $298,999
Total Liabilities and Net Assets / Fund Balance$19,113,461$23,413,237▲ $4,299,776

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$554,498$584,299$1,138,797
Land$347,721-$347,721
Other Land Buildings$26,369$144,013$170,382
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debbie RavenCEOFT$145,392$29,736$175,128

Board Members and Trustees

NameTitle
Antonio AvalosChairman
Ali NekumaneshDirector
Frank GallegosDirector
Julia PicherDirector
Ken HerronDirector
Robert PoythressDirector
Susan WoesnerSecretary
Oscar EspinozaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$380,697
Program Service Revenue
$1,775,488
Investment Income
$0
Other Revenue
$-3,687
All Other Contributions
$246,000
Change in Net Assets
$298,999

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,152,498
Total Revenue per Audited Statements
$2,152,498
Total Revenue per Form 990
$2,152,498
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,123,926
Salaries, Compensation, and Employee Benefits$729,573
Total Fundraising Expense$3,125
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$703,159--$703,159
Other Salaries and Wages$345,227$115,076-$460,303
Current Officers, Directors, Trustees, and Key Employees$131,346$43,782-$175,128
Fees for Services Other$34,345$137,379-$171,724
Other Employee Benefits$70,607$23,535-$94,142
Occupancy-$36,528-$36,528
Other Expenses$9,429$18,824$1,885$18,824
Advertising$18,422--$18,422
All Other Expenses$14,114$1,925$154$16,193
Travel$7,604$2,173$1,086$10,863
Conferences and Meetings-$4,061-$4,061
Insurance-$1,344-$1,344
Total Functional Expenses$1,355,996$494,378$3,125$1,853,499

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,853,499
Total Expenses per Audited Statements$1,853,499
Total Expenses per Form 990$1,853,499
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
2025-05-15
Discuss with paid preparer
Yes

Organization Details

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

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.”

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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt017559
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt021945
IRS990/PrincipalOfficerNm0Debbie Raven
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IRS990/ProgramServiceRevenueGrp/Desc0Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Loan & Servicing Fees
IRS990/ProgramServiceRevenueGrp/Desc2Miscellaneous Income
IRS990/ProgramServiceRevenueGrp/Desc3Rental Income
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt117078
IRS990/ProgramServiceRevenueGrp/ExclusionAmt242000
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt217078
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt342000
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IRS990/PYContributionsGrantsAmt01933625
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IRS990/PYOtherExpensesAmt0924482
IRS990/PYProgramServiceRevenueAmt01163411
IRS990/PYRevenuesLessExpensesAmt01488101
IRS990/PYSalariesCompEmpBnftPaidAmt0684453
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IRS990/PYTotalRevenueAmt03097036
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IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01130976
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt01105059
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt01181706
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt01061085
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt01380423
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt06444683
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt059078
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt058352
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt059552
IRS990ScheduleA/OtherIncome170Grp/TotalAmt0176982
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IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0144013
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0170382
IRS990ScheduleD/RevenueSubtotalAmt02152498
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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Document Assets

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Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,413,237
Liabilities
$16,605,695
Net assets
$6,807,542
Revenue
$2,152,498
Expenses
$1,853,499
Net income
$298,999
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