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CALIFORNIA CAPITAL SMALL BUSINESS FINANCIAL DEVELOPMENT CORPORATION

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Public IRS 990 nonprofit record

CALIFORNIA CAPITAL SMALL BUSINESS FINANCIAL DEVELOPMENT CORPORATION

EIN 94-2861631 · Community Improvement & Capacity Building (S430)

What they do

to EQUITABLY PROVIDE CAPITAL and DEVELOPMENT ASSISTANCE to INCREASE ECONOMIC OPPORTUNITIES BY OFFERING A WIDE RANGE of FLEXIBLE FINANCIAL PRODUCTS and TECHNICAL SERVICES THROUGH COLLABORATION.

Before you give

Should I give to this charity?

Easy charity check
Look at where the money went

Of every $100 spent, about $82.50 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders13 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

75.74%of revenue went to mission work82.5% of expenses · Program services
$91.83spent for every $100 of revenueRevenue covered expenses this year.
16.09%of revenue went to management and office costs17.5% of expenses
$1.20in assets for every $1 spent this yearSome assets cannot be spent right away.
83.1%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $211,905 for DEBORAH MURAMOTO (PRESIDENT/CEO/SECRETARY). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$4,350,528
Mission workProgram services$3,295,07175.74% of revenue82.5% of expenses
ManagementOffice and general costs$699,84416.09% of revenue17.5% of expenses
FundraisingAsking for donations0.00% of revenue0.0% of expenses
Revenue left after expensesReported annual surplus$355,6138.17% of revenueShown in gray on the chart
Total expenses$3,994,91591.83% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails
2024CurrentExpense mix: 82.5% mission · 17.5% management · 0.0% fundraisingTotal expenses: 91.83% of revenue
2023Expense mix: 79.2% mission · 20.8% management · 0.0% fundraisingTotal expenses: 106.63% of revenue
2022Expense mix: 79.9% mission · 20.1% management · 0.0% fundraisingTotal expenses: 93.03% of revenue
2021Expense mix: 86.9% mission · 13.1% management · 0.0% fundraisingTotal expenses: 96.68% of revenue
2020Expense mix: 83.0% mission · 17.0% management · 0.0% fundraisingTotal expenses: 62.24% of revenue
2019Expense mix: 78.2% mission · 21.8% management · 0.0% fundraisingTotal expenses: 99.24% of revenue
2018Expense mix: 82.3% mission · 17.7% management · 0.0% fundraisingTotal expenses: 85.55% of revenue

Money in and money out

Revenue$4,350,528
Expenses$3,994,915
Annual surplus $355,613 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$3,295,071 · 82.5% of expenses
Management and office costs$699,844 · 17.5% of expenses
See all reported dollar amounts
Revenue$4,350,528
Expenses$3,994,915
Assets$4,794,069
Income$4,350,528
Contributions$3,615,396
Mission work (program services)$3,295,071
Management and general$699,844
Accounting fees$30,074
People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
DEBORAH MURAMOTOPRESIDENT/CEO/SECRETARY · 40 hrs/week $211,905
MAY MASUNAGACHIEF FINANCIAL OFFICER · 40 hrs/week $201,906Base $133,815 · Other $68,091
BOB GONZALESCHIEF CREDIT OFFICER · 29 hrs/week $160,572Base $129,932 · Other $30,640
MICHAEL SCHREMMERCHIEF OPERATIONS OFFICER · 40 hrs/week $133,927Base $114,008 · Other $19,919
SUNITA MAHARAJLOAN PORTFOLIO MANAGER · 40 hrs/week $125,740Base $102,195 · Other $23,545
SIEW YEE LEESBDC PROGRAM DIRECTOR · 40 hrs/week $122,674Base $100,472 · Other $22,202
IVOR NEWMANAPEX PROGRAM DIRECTOR · 40 hrs/week $109,561Base $104,344 · Other $5,217

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (13)

DEBORAH MURAMOTOPRESIDENT/CEO/SECRETARY

MAY MASUNAGACHIEF FINANCIAL OFFICER

BOB GONZALESCHIEF CREDIT OFFICER

MICHAEL SCHREMMERCHIEF OPERATIONS OFFICER

SUNITA MAHARAJLOAN PORTFOLIO MANAGER

SIEW YEE LEESBDC PROGRAM DIRECTOR

IVOR NEWMANAPEX PROGRAM DIRECTOR

DANIEL SAVALADIRECTOR

DENISE BROWNEVICE CHAIR

DRUE BROWNDIRECTOR

RAYMOND SEBASTIANDIRECTOR

SHELLEY SEALESCHAIR

TRUMAN RISHARDTREASURER

About this charity

Recognized since
January 1983
Location
1792 TRIBUTE RD STE 270, SACRAMENTO, CA 95815-4321
County
Sacramento
In care of
DEBORAH MURAMOTO
Primary officer
DEBORAH MURAMOTO, PRESIDENT

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
July 1, 2024
Return type
990
Tax preparer
RICHARDSON & COMPANY LLP
NTEE classification
Community Improvement & Capacity Building (S430)

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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