2024-05-09T18:45:52-05:00 2023-06-30 946214841 ARMANINO LLP 50 W SAN FERNANDO ST STE 500 SAN JOSE CA 95113 990 2022-07-01 311719434 ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT ACCI 4082970204 111 WEST ST JOHN STREET 800 SAN JOSE CA 95113 DAVID COULTAS CHIEF FINANCIAL & OPERATING OFFICER 4082970204 2024-05-09 1 DAVID COULTAS 999009999 1 MATTHEW PETROSKI P00853132 4082006400 2024-05-09 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z DAVID COULTAS 111 WEST ST JOHN STREET 800 SAN JOSE CA 95113 51231709 0 X AOFUND.ORG X 1993 CA TO DELIVER AFFORDABLE CAPITAL AND RESPONSIBLE FINANCIAL SOLUTIONS (SEE SCH. O FOR CONTINUATION) TO UNDERSERVED ENTREPRENEURS AND COMMUNITIES, WITH A SPECIAL FOCUS ON LOW-INCOME PEOPLE, PEOPLE OF COLOR, AND WOMEN. 21 20 182 21 0 0 32795476 22422998 25910347 26448246 242509 1630204 0 0 58948332 50501448 1609335 3777529 0 0 17578270 21601757 0 0 3137111 17761542 26102705 36949147 51481991 21999185 -980543 197674592 228764404 123913523 155989008 73761069 72775396 X ACCION OPPORTUNITY FUND'S MISSION IS TO DELIVER AFFORDABLE CAPITAL AND RESPONSIBLE FINANCIAL SOLUTIONS TO UNDERSERVED ENTREPRENEURS AND COMMUNITIES, WITH A SPECIAL FOCUS ON LOW-INCOME PEOPLE, PEOPLE OF COLOR, AND WOMEN. 0 0 40066064 3777529 23555705 SMALL BUSINESS LENDING PROGRAM - THE ORGANIZATION MAKES LOANS TO SMALL BUSINESSES THAT LACK ACCESS TO AFFORDABLE CREDIT FROM TRADITIONAL SOURCES. SINCE INCEPTION, THE ORGANIZATION HAS MADE OVER 26,900 LOANS TOTALING $813 MILLION TO SMALL BUSINESSES WHOSE OWNERS ARE PRIMARILY PEOPLE OF COLOR AND LOW AND MODERATE INCOME. MANY LOANS TO CALIFORNIA-BASED BORROWERS ARE ENROLLED IN A LOAN LOSS RESERVE PARTIALLY FUNDED BY THE STATE OF CALIFORNIA AS PART OF ITS CAPITAL ACCESS PROGRAM. (SEE SCHEDULE O FOR CONTINUATION)BEGINNING IN JUNE 2020, IN RESPONSE TO COVID-19, THE ORGANIZATION BEGAN OFFERING LOWER COST LOANS WITH INTEREST RATES FROM 4-4.25% TO SELECT BORROWERS WHO WERE SEVERELY IMPACTED BY COVID-19. THE ORGANIZATION ALSO BEGAN PARTICIPATING IN SELECT PUBLIC-PRIVATE PARTNERSHIPS THAT OFFER LOW-RATE LOAN PROGRAMS. THESE LOANS ARE TYPICALLY BACKSTOPPED BY A LOAN LOSS RESERVE PROGRAM ADMINISTERED BY A GOVERNMENT AGENCY AND SOLD TO A SPECIAL PURPOSE CREDIT VEHICLE WHERE ONLY A PORTION OF THE LOANS, TYPICALLY 5-10%, REMAIN ON THE ORGANIZATION'S CONSOLIDATED STATEMENT OF FINANCIAL POSITION.IN APRIL 2020 THE ORGANIZATION WAS APPROVED AS A PAYCHECK PROTECTION PROGRAM ("PPP") LENDER BY THE U.S. SMALL BUSINESS ADMINISTRATION. THIS PRODUCT FOR SMALL BUSINESSES RANGES IN SIZE BASED ON THE PAYROLL OF THE COMPANY, HAS A 1% FIXED INTEREST RATE, AND MAY BE FULLY FORGIVABLE IF THE FUNDS ARE USED FOR AN ELIGIBLE PURPOSE. AS OF JUNE 30, 2023, SUBSTANTIALLY ALL PPP LOANS HAVE BEEN FULLY REPAID.THE ORGANIZATION SELLS PARTICIPATIONS IN ITS LOAN PORTFOLIO. THE PURPOSE OF THESE SALES IS TO MANAGE CREDIT CONCENTRATION IN THE ORGANIZATION'S PORTFOLIO AND TO GENERATE LIQUIDITY TO PROVIDE FOR ADDITIONAL LOAN GROWTH. LOANS ARE TYPICALLY SOLD AT A PREMIUM OVER FACE VALUE AND THE ORGANIZATION RETAINS THE SERVICING OF THE LOANS, FOR WHICH IT CHARGES A MONTHLY FEE. 747991 2892541 NEW MARKET TAX CREDITS PROGRAM - IN 2003, THE ORGANIZATION WAS CERTIFIED BY THE U.S. DEPARTMENT OF TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION FUND ("CDFI FUND") AS A COMMUNITY DEVELOPMENT ENTITY ("CDE") UNDER ITS NEW MARKET TAX CREDIT ("NMTC") PROGRAM. AS OF JUNE 30, 2023, THE ORGANIZATION HAS RECEIVED A CUMULATIVE TOTAL OF $498 MILLION OF TAX CREDIT ALLOCATIONS. THE ORGANIZATION THROUGH ITS SUBSIDIARY CDE, THE LCD NEW MARKETS FUND, LLC, USES THESE ALLOCATIONS TO ATTRACT NEW CAPITAL TO SUPPORT LARGE REAL ESTATE PROJECTS PROVIDING HIGH COMMUNITY IMPACT IN LOW-INCOME AREAS. AS OF JUNE 30, 2023 AND 2022, THE ORGANIZATION HAS DEPLOYED $471.5 MILLION AND $424 MILLION IN QUALIFIED EQUITY INVESTMENTS ("QEIS"), RESPECTIVELY. 662596 POLICY PROGRAM: ACCION OPPORTUNITY FUND CONDUCTS PROGRAM EVALUATION AND RESEARCH AND ADVOCATES FOR FEDERAL, STATE AND LOCAL PUBLIC POLICIES THAT WILL BENEFIT OUR MISSION AND THE WORKING FAMILIES THAT OUR PROGRAMS SERVE. 41476651 1 1 0 1 0 0 0 0 0 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 1 685 0 1 182 1 0 0 0 0 0 0 0 0 0 0 0 0 X 21 20 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 0 0 CA AL FL GA IL KS KY MD MA MI MN MS NH NJ NM NY ND PA OR RI SC TN VA WV WI AR HI NC X X KATE LAWRENCE 6506139311 111 WEST ST JOHN STREET STE 800 SAN JOSE CA 95113 LUZ LOPEZ URRUTIA CHIEF EXECUTIVE OFFICER 37.00 3.00 X X 403402 0 17826 GREG AVIS BOARD CHAIR 1.50 1.50 X X 0 0 0 JIM KOSHLAND VICE CHAIR & SECRETARY 1.50 1.50 X X 0 0 0 ESTEBAN ALTSCHUL DIRECTOR 1.50 1.50 X 0 0 0 TODD BAKER DIRECTOR 1.50 1.50 X 0 0 0 SWATI BHATIA DIRECTOR 1.50 1.50 X 0 0 0 PHIL BLACK DIRECTOR 1.50 1.50 X 0 0 0 DICKSON CHU DIRECTOR 1.50 1.50 X 0 0 0 CARETHA COLEMAN DIRECTOR 1.50 1.50 X 0 0 0 SOLANA COZZO DIRECTOR 1.50 1.50 X 0 0 0 JONI CROPPER DIRECTOR 1.50 1.50 X 0 0 0 DEBRA ENGEL DIRECTOR 1.50 1.50 X 0 0 0 MADELEINE FACKLER DIRECTOR 1.50 1.50 X 0 0 0 BRIAN GRAHAM DIRECTOR 1.50 1.50 X 0 0 0 PARKER HUDNUT DIRECTOR 1.50 1.50 X 0 0 0 MICKEY KONSON DIRECTOR 1.50 1.50 X 0 0 0 LATA KRISHNAN DIRECTOR 1.50 1.50 X 0 0 0 JUANITA LOTT DIRECTOR 1.50 1.50 X 0 0 0 NATHALIE MOLINA NINO DIRECTOR (THRU 09/22) 1.50 1.50 X 0 0 0 SAM RAMOS DIRECTOR 1.50 1.50 X 0 0 0 MICHAEL SCHLEIN DIRECTOR 1.50 1.50 X 0 0 0 DIANA TAYLOR DIRECTOR 1.50 1.50 X 0 0 0 ROLLAND JURGENS EVP & CFO (THRU 09/22) 37.00 3.00 X 366292 0 20148 MICHAEL RAPAPORT PRESIDENT, COO 38.50 1.50 X 349194 0 34519 LUIS RODRIGUEZ CHIEF OPERATIONS & SERVICING OFFICER 40.00 0.00 X 317287 0 15159 GINA HARMAN CHIEF ADMINISTRATIVE OFFICER 32.00 0.00 X 315041 0 15862 ANJANA THATTE BERDE CHIEF PEOPLE OFFICER 40.00 0.00 X 335579 0 15801 CHRISTOPHER PILKERTON CHIEF LEGAL & REGULATORY STRATEGY OFFICER 40.00 0.00 X 318195 0 23938 VERONICA FIGOLI FLEISCHER CHIEF DEVELOPMENT OFFICER 40.00 0.00 X 248063 0 6750 GRETCHEN RUETHLING SVP, STRATEGIC PARTNERSHIP AND PROGRAMS 40.00 0.00 X 229330 0 13475 LAUREN N VAN DER TUIN CHIEF ANALYTICS OFFICER 40.00 0.00 X 319241 0 15259 KEVIN P GABEL VP, PRODUCT 40.00 0.00 X 299096 0 22420 ERIC SEAN TRUX TREASURER 40.00 0.00 X 256552 0 28540 JAMES XU SR. DIRECTOR, ANALYTICS & BUSINESS INTELLIGENCE 40.00 0.00 X 236503 0 15197 3993775 0 244894 59 0 1 0 SUTHERLAND GLOBAL COLLECTION SERVICES LL 1160 PITTSFORD VICTOR ROAD PITTUSFORD NY 14534 LOAN PAYMENT COLLECTIONS SERVICE 2628410 VIRSA CAPITAL INC 17914 MURPHY PARKWAY LATHROP CA 95330 REFERRAL FEE FOR SMALL BUSINESS LOANS 1739555 BAIRESDEV LLC 1999 S BASCOM AVENUE CAMBELL CA 95008 SOFTWARE DEVELOPMENT SERVICES 776817 PITON LABS LLC 9450 SW GEMINI DRIVE PMB 44348 BEAVERTON OR 97006 SOFTWARE DEVELOPMENT SERVICES 530801 Q2 SOFTWARE INC PO BOX 205970 DALLAS TX 753205970 LOAN ORIGINATION SERVICES 504383 20 500000 3568164 18354834 49992 22422998 INTEREST FROM LOAN PRO 900099 16709966 16709966 LOAN ORIGINATION AND M 900099 3482885 3482885 OTHER 900099 3362854 3362854 SYNDICATION FEES 900099 1920000 1920000 NMTC ADMIN. FEES 900099 972541 972541 26448246 1644465 1644465 716000 718455 11806 -2455 -11806 -14261 -14261 50501448 26448246 0 1630204 485000 485000 3292529 3292529 2493901 176219 2046288 271394 15464358 12862492 607039 1994827 636066 379067 217928 39071 1765538 1181891 510507 73140 1241894 659449 498631 83814 88548 26765 61783 304385 12950 291435 1886957 951912 720618 214427 828763 553013 164129 111621 210695 135961 57996 16738 4268583 3221848 869145 177590 539062 320747 181067 37248 260931 154227 82216 24488 126727 38082 71433 17212 3106552 3106552 837322 500291 278361 58670 139700 83469 46442 9789 PROVISION FOR LOAN LOSS 8196599 8196599 PROGRAM DIRECT EXPENSES 5123738 5122862 264 612 RECRUITING EXPENSES 161793 1020 160773 MISCELLANEOUS 11443 8811 2174 458 10907 4895 6012 51481991 41476651 6868229 3137111 19219854 23076528 17067078 20203643 1361743 1994934 142896107 121445457 714332 638362 6692049 5063585 1594204 1628464 2982711 7145340 849273 854811 333333 0 10655957 51776865 197674592 228764404 5361087 5990234 39631 118512406 148682580 399 1316194 123913523 155989008 X 52184005 48534346 21577064 24241050 73761069 72775396 197674592 228764404 -980543 -5130 0 X 0 1 X 1 1 1 X 6971844 24022999 30880553 32795476 22422998 117093870 6971844 24022999 30880553 32795476 22422998 117093870 13363958 103729912 79639 37851 83499 49470 1644465 1894924 46220 82076 128296 119117090 120706241 0.87080 0.85260 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 71448 71448 51410543 51481991 1000000 250000 0 0 1000000 1000000 1000000 1000000 4000000 6000000 75403 92819 63383 71448 303053 250000 250000 250000 250000 1000000 1500000 75403 75403 176527 175509 1018 362331 176673 185658 6153191 4711403 1441788 1628464 CASH LIMITED IN USE FOR PROGRAMS 50497058 OPERATING LEASE RIGHT OF USE ASSETS 1279807 51776865 SAVINGS PROGRAM MATCH 399 OPERATING LEASE LIABILITY 1315795 1316194 X 39873331 -5130 680164 -8196599 -7521565 47394896 3106552 3106552 50501448 40859004 680164 680164 40178840 3106552 8196599 11303151 51481991 PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. IN ADDITION, THE ORGANIZATION QUALIFIES FOR CHARITABLE CONTRIBUTION DEDUCTIONS AND HAS BEEN CLASSIFIED AS AN ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION. INCOME WHICH IS NOT RELATED TO EXEMPT PURPOSES LESS APPLICABLE DEDUCTIONS, IS SUBJECT TO FEDERAL AND STATE CORPORATE INCOME TAXES. THE ORGANIZATION HAD NO UNRELATED BUSINESS INCOME FOR THE YEARS ENDED JUNE 30, 2023 AND 2022, RESPECTIVELY. THE ORGANIZATION IS EXEMPT FROM CALIFORNIA STATE INCOME TAXES UNDER THE PROVISION OF SECTION 23701D OF THE REVENUE AND TAXATION CODE. THE ORGANIZATION MAY BE LIABLE FOR INCOME TAXES BASED ON INCOME EARNED IN OTHER STATES IN WHICH IT HAS NOT YET APPLIED FOR EXEMPTION. AS OF JUNE 30, 2023 AND 2022, THE ORGANIZATION ASSESSED THE AMOUNT OF STATE TAXES, IF ANY, TO BE IMMATERIAL TO ITS FINANCIAL STATEMENTS AND DID NOT ACCRUE ANY TAX LIABILITY IN ITS STATEMENT OF FINANCIAL POSITION. THE ORGANIZATION IS SUBJECT TO POTENTIAL EXAMINATION BY TAXING AUTHORITIES FOR INCOME TAX RETURNS FILED IN THE U.S. FEDERAL JURISDICTION AND THE STATE OF CALIFORNIA. THE TAX YEARS THAT REMAIN SUBJECT TO POTENTIAL EXAMINATION FOR THE U.S. FEDERAL JURISDICTION ARE YEARS ENDED JUNE 30, 2020, AND FORWARD. THE STATE OF CALIFORNIA TAX JURISDICTION IS SUBJECT TO POTENTIAL EXAMINATION FOR YEARS ENDED JUNE 30, 2019 AND FORWARD. AS OF JUNE 30, 2023 AND 2022, MANAGEMENT DID NOT IDENTIFY ANY UNCERTAIN TAX POSITIONS. PART XI, LINE 2D - OTHER ADJUSTMENTS: PROVISION FOR LOAN LOSSES -8,196,599. PART XII, LINE 4B - OTHER ADJUSTMENTS: PROVISION FOR LOAN LOSSES 8,196,599. 1 ACCESSITY 404 EUCLID AVENUE SUITE 271 SAN DIEGO CA 92114 330620415 501(C)(3) 25000 0 MICRO-LENDING ACTIVITES & PROGRAM SUPPORT ACCION INTERNATIONAL 10 FAWCETT STREET SUITE 204 CAMBRIDGE MA 02138 132535763 501(C)(3) 50000 0 PROGRAM SUPPORT ALLIES FOR COMMUNITY BUSINESS INC 135 N KEDZIE AVENUE CHICAGO IL 60612 363966573 501(C)(3) 100000 0 MICRO-LENDING ACTIVITES & PROGRAM SUPPORT CENTER FOR WOMEN & ENTERPRISE INC 24 SCHOOL STREET 7TH FLOOR BOSTON MA 02108 043256236 501(C)(3) 25000 0 PROGRAM SUPPORT NALCAB 5404 WURZBACH ROAD SAN ANTONIO TX 78238 200774672 501(C)(3) 250000 0 PROGRAM SUPPORT NORTHERN NEVADA HOPES 580 WEST 5TH STREET RENO NV 89503 860865357 501(C)(3) 10000 0 PROGRAM SUPPORT HOT BREAD KITCHEN 630 FLUSHING AVE SUITE 210 BROOKLYN NY 11206 263332972 501(C)(3) 25000 0 PROGRAM SUPPORT 7 0 CASH GRANT 293 2111000 LOAN PAYMENT RELIEF 2198 1181529 FMV MONTHLY PAYMENT RELIEF PART I, LINE 2: 1.GRANTS - OPPORTUNITY FUND FOLLOWED THE GUIDELINE OUTLINED IN THE GRANT AGREEMENTS. 2. OPPORTUNITY FUND, IN THEIR EFFORT TO SUPPORT SMALL BUSINESS OWNERS DURING THE COVID-19 PANDEMIC, INITIATED 2 GRANT PROGRAMS TO INDIVIDUALS. X X X 0 0 0 0 0 0 0 1 0 LUZ LOPEZ URRUTIA CHIEF EXECUTIVE OFFICER 335833 0 67529 0 40 0 9900 0 7926 0 421228 0 0 0 ROLLAND JURGENS EVP & CFO (THRU 09/22) 285000 0 72000 0 9292 0 10800 0 9348 0 386440 0 0 0 MICHAEL RAPAPORT PRESIDENT, COO 302625 0 46529 0 40 0 9000 0 25519 0 383713 0 0 0 ANJANA THATTE BERDE CHIEF PEOPLE OFFICER 279010 0 56529 0 40 0 0 0 15801 0 351380 0 0 0 CHRISTOPHER PILKERTON CHIEF LEGAL & REGULATORY STRATEGY OF 277406 0 40749 0 40 0 8250 0 15688 0 342133 0 0 0 LAUREN N VAN DER TUIN CHIEF ANALYTICS OFFICER 275000 0 44201 0 40 0 0 0 15259 0 334500 0 0 0 LUIS RODRIGUEZ CHIEF OPERATIONS & SERVICING OFFICER 228131 0 57200 0 31956 0 7800 0 7359 0 332446 0 0 0 GINA HARMAN CHIEF ADMINISTRATIVE OFFICER 267800 0 47201 0 40 0 8034 0 7828 0 330903 0 0 0 KEVIN P GABEL VP, PRODUCT 258000 0 40431 0 665 0 0 0 22420 0 321516 0 0 0 ERIC SEAN TRUX TREASURER 206383 0 32129 0 18040 0 6120 0 22420 0 285092 0 0 0 VERONICA FIGOLI FLEISCHER CHIEF DEVELOPMENT OFFICER 222613 0 23915 0 1535 0 6750 0 0 0 254813 0 0 0 JAMES XU SR. DIRECTOR, ANALYTICS & BUSINESS I 209934 0 26529 0 40 0 6262 0 8935 0 251700 0 0 0 GRETCHEN RUETHLING SVP, STRATEGIC PARTNERSHIP AND PROGR 197625 0 31665 0 40 0 5850 0 7625 0 242805 0 0 0 PART I, LINE 7 BONUSES ARE GIVEN EITHER AS RECOGNITION OF EXCEPTIONAL WORK (MOST OF THE TIME OUT OF THE ORDINARY , OUTSIDE OF THE PERSON JOB DESCRIPTION) OR AS EMPLOYEE RETENTION. X 2 49992 FMV 0 0 1 0 PART I, COLUMN (B): NUMBER OF CONTRIBUTIONS REPRESENTS NUMBER OF DONORS. FORM 990, PART VI, SECTION A, LINE 6 ACCION OPPORTUNITY FUND INC., A DELAWARE NONSTOCK, NONPROFIT CORPORATION, IS THE SOLE STATUTORY MEMBER OF THE FILING ORGANIZATION. FORM 990, PART VI, SECTION A, LINE 7A ACCION OPPORTUNITY FUND IS THE SOLE STATUTORY MEMBER OF THE FILING ORGANIZATION AS DEFINED IN SECTION 5056 OF THE CALIFORNIA NONPROFIT PUBLIC BENEFIT CORPORATION LAW. AS NEARLY AS POSSIBLE AS ONE-THIRD OF THE DIRECTORS SHALL BE ELECTED TO THE BOARD AT EACH ANNUAL MEETING OF THE MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B ACCION OPPORTUNITY FUND AUDIT COMMITTEE SHALL HAVE THE RESPONSIBILITY FOR REVIEWING THE ORGANIZATION'S FORM 990 (INCLUDING ALL PERTINENT SCHEDULES) BEFORE IT IS FILED WITH THE INTERNAL REVENUE SERVICE. ONCE THE AUDIT COMMITTEE HAS APPROVED THE DRAFT FORM 990, IT SHALL BE SENT TO ALL MEMBERS OF THE BOARD OF DIRECTORS FOR THEIR REVIEW, PRIOR TO FILING WITH IRS. ONCE THE REVIEW PERIOD HAS BEEN DULY EXPIRED, THE FORM 990 IS FILED WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REQUIRES EACH DIRECTOR, PRINCIPAL OFFICER AND BOARD MEMBERS TO SIGN A DISCLOSURE STATEMENT WHICH AFFIRMS THEY RECEIVED A COPY, READ AND UNDERSTAND, AND COMPLY WITH THE ORGANIZATION'S CONFLICT OF INTEREST POLICY. FORM 990, PART VI, SECTION B, LINE 15A AOFCD USES A MARKET BASED SALARY STRUCTURE FROM 4 (FOUR) COMPETITIVE SETS: NON-PROFIT, FINANCIAL SERVICES-BANKS, FINANCIAL SERVICES-CREDIT UNION, AND FINTECH BASED ON SIZE, REVENUE, INDUSTRY, AND GEOGRAPHIC LOCATION TO CREATE MIN/MID/MAX RANGES FOR EACH ROLE. HUMAN RESOURCES REVIEWS EXTERNAL MARKET DATA ANNUALLY. THE BOARD OF DIRECTORS VOTES ON THE CEO'S SALARY. FORM 990, PART VI, SECTION C, LINE 19 ALL GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND THE FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST IN WRITING TO THE ORGANIZATION. THE FORM 990 IS ALSO AVAILABLE AT GUIDESTAR.ORG. 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