2026-05-13T17:00:26-05:00 2025-06-30 465577902 RICHARDSON & COMPANY LLP 550 HOWE AVENUE SUITE 210 SACRAMENTO CA 95825 990 2024-07-01 942861631 CALIFORNIA CAPITAL SMALL BUSINESS FINANCIAL DEVELOPMENT CORPORATION CALI 9164421792 1792 TRIBUTE ROAD SUITE 270 SACRAMENTO CA 95815 DEBORAH MURAMOTO PRESIDENT 9164421792 2026-05-13 1 0 CURT JENSON P01208626 9165648727 2026-05-13 2024 2025-03-06 01:10:19Z CALIFORNIA CAPITAL FDC DEBORAH MURAMOTO 1792 TRIBUTE ROAD SUITE 270 SACRAMENTO CA 95815 4350528 0 X WWW.CACAPITAL.ORG X 1982 CA 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. 7 6 37 46 0 0 3113587 3615396 535274 733014 3199 2118 0 0 3652060 4350528 0 94276 0 0 2921481 2855751 0 0 0 972570 1044888 3894051 3994915 -241991 355613 4252328 4794069 1320384 1697364 2931944 3096705 X 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. 0 0 1150448 729766 CAPITAL ACCESS PROGRAM: CALIFORNIA CAPITAL ADMINISTERS VARIOUS LOAN PROGRAMS INCLUDING DIRECT LENDING TO SMALL BUSINESSES THROUGH FEDERAL AND DONOR FUNDED PROGRAMS AND ADMINISTERS LOAN GUARANTEES UNDER THE DIRECTION OF THE STATE OF CALIFORNIA IN WHICH LOANS ARE GUARANTEED FOR SMALL BUSINESSES AS WELL AS TECHNICAL ASSISTANCE FOR LOAN READINESS. 707789 PROCUREMENT TECHNICAL ASSISTANCE CENTER AND APEX ACCELERATOR: UNDER COOPERATIVE AGREEMENT WITH THE DEPARTMENT OF DEFENSE, THE APEX ACCELERATOR PROVIDES CAPACITY-BUILDING TRAINING AND DIRECT ASSISTANCE TO SMALL BUSINESSES RELATED TO GOVERNMENT CONTRACTING. WE PROVIDE THIS PROCUREMENT TECHNICAL ASSISTANCE TO SMALL BUSINESSES WHO WISH TO OR CURRENTLY DO BUSINESS WITH FEDERAL, STATE, OR LOCAL GOVERNMENT. 756727 43000 RESEARCH AND BUSINESS DEVELOPMENT: CCFDC HAS DELIVERED IMPACT DRIVEN PROGRAMS WITHIN BUSINESS CORRIDORS AND STRENGTHENED NETWORK CONNECTIONS WITH ECONOMIC DEVELOPMENT AGENCIES IN SACRAMENTO. ONE OF THE PROGRAMS WITHIN THIS PROGRAM SERVICE IS THE SACRAMENTO VALLEY SMALL BUSINESS DEVELOPMENT CENTER FUNDED BY THE SMALL BUSINESS ADMINISTRATION. 664350 51276 3248 CALIFORNIA CAPITAL WOMEN'S BUSINESS CENTER: UNDER COOPERATIVE AGREEMENT WITH THE SMALL BUSINESS ADMINISTRATION, CCFDC IS COMMITTED TO BUILDING THE CAPACITY OF SMALL BUSINESSES THROUGH EDUCATIONAL WORKSHOPS, ONE-ON-ONE ASSISTANCE, ONLINE LEARNING, AND CONNECTION WITH LOCAL RESOURCES. WBC SERVICES FOCUS ON ENTREPRENEURSHIP, ACCESS TO CAPITAL, AND SPECIALIZED PROGRAMS FOR INDUSTRY SECTORS INCLUDING CHILDCARE AND B2B SERVICES. 15757 ACCESS TO HOUSING AND ECONOMIC DEVELOPMENT 680107 51276 3248 3295071 1 1 0 0 0 0 0 0 0 0 1 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 53 0 37 1 0 0 0 0 0 0 0 0 0 0 0 0 X 7 6 0 0 0 0 0 0 0 1 1 0 0 1 1 0 0 1 1 1 1 0 CA X THE ORGANIZATION 9164421729 1792 TRIBUTE ROAD STE 270 SACRAMENTO CA 95815 SHELLEY SEALES CHAIR 1.00 X X 0 0 0 DENISE BROWNE VICE CHAIR 1.00 X X 0 0 0 TRUMAN RISHARD TREASURER 1.00 X X 0 0 0 DEBORAH MURAMOTO PRESIDENT/CEO/SECRETARY 40.00 X X 211905 0 0 DRUE BROWN DIRECTOR 1.00 X 0 0 0 DANIEL SAVALA DIRECTOR 1.00 X 0 0 0 RAYMOND SEBASTIAN DIRECTOR 1.00 X 0 0 0 MAY MASUNAGA CHIEF FINANCIAL OFFICER 40.00 X 133815 0 68091 MICHAEL SCHREMMER CHIEF OPERATIONS OFFICER 40.00 X 114008 0 19919 IVOR NEWMAN APEX PROGRAM DIRECTOR 40.00 X 104344 0 5217 BOB GONZALES CHIEF CREDIT OFFICER 29.00 X 129932 0 30640 SIEW YEE LEE SBDC PROGRAM DIRECTOR 40.00 X 100472 0 22202 SUNITA MAHARAJ LOAN PORTFOLIO MANAGER 40.00 X 102195 0 23545 896671 0 169614 7 0 1 0 EMFOR GROUP LLC 180 PROMENADE CIR STE 300 SACRAMENTO CA 95834 BUSINESS COUNSELOR 106594 1 2535930 1079466 3615396 CAPITAL ACCESS PROGRAM 900099 729766 729766 WOMENS BUSINESS CENTER 900099 3248 3248 733014 2118 2118 4350528 733014 0 2118 X 94276 94276 413811 336012 77799 2033199 1633221 399978 90125 55053 35072 130365 95652 34713 188251 153364 34887 29834 900 28934 30074 30074 483976 455671 28305 4713 3870 843 84604 38773 45831 36130 32718 3412 177364 110345 67019 49479 37993 11486 25896 18692 7204 7197 7197 21278 9305 11973 MISCELLANEOUS EXPENSE 68545 19333 49212 DUES & FEES 25798 19638 6160 INDIRECT EXPENSES 0 180255 -180255 3994915 3295071 699844 0 142802 257778 58309 111204 1052993 944032 2254148 2813213 41642 70171 172039 156278 22958 15761 679476 581910 4252328 4794069 236853 356031 298045 177416 450000 785486 713917 1320384 1697364 X 2532480 2446552 399464 650153 2931944 3096705 4252328 4794069 X 355613 -190852 X 0 1 X 1 1 1 X 509555 3291606 3672920 3113587 3615396 14203064 509555 3291606 3672920 3113587 3615396 14203064 1427463 12775601 381 179 3199 2118 5877 14208941 6383370 0.89910 0.89290 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 172039 156278 15761 15761 INTEREST RECEIVABLE 24827 457 PLAN ASSETS 105000 RIGHT OF USE ASSET 431522 DEPOSITS 13043 HEALTH EQUITY POOL 7518 581910 457 PLAN LIABILITY 105000 LEASE LIABILITY 452298 REFUNDABLE ADVANCES 156619 713917 X 4361388 10860 10860 4350528 0 4350528 4196627 10860 190852 201712 3994915 0 3994915 PART X, LINE 2: MANAGEMENT OF CCFDC HAS EVALUATED THE TAX POSITIONS AND RELATED INCOME TAX CONTINGENCIES. MANAGEMENT DOES NOT BELIEVE THAT ANY MATERIAL UNCERTAIN TAX POSITIONS EXIST. PART XII, LINE 2D - OTHER ADJUSTMENTS: PROVISION FOR LOAN LOSSES 190,852. 1 THE ORGANIZATION OFFERS VARIOUS SMALL BUSINESS DEVELOPMENT AND ENTREPRENEURSHIP GRANTS. 25 94276 PART I, LINE 2: GRANTS ARE PROVIDED TO APPLICANTS MEETING CERTAIN CRITERIA UNDER THE SPECIFIC PROGRAM. 0 0 0 0 0 0 0 0 0 DEBORAH MURAMOTO PRESIDENT/CEO/SECRETARY 211905 0 0 0 0 0 0 0 0 0 211905 0 0 0 MAY MASUNAGA CHIEF FINANCIAL OFFICER 133815 0 0 0 0 0 7800 0 60291 0 201906 0 0 0 BOB GONZALES CHIEF CREDIT OFFICER 129932 0 0 0 0 0 5523 0 25117 0 160572 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B COMMITTEE REVIEWS AND APPROVES BEFORE SUBMITTAL FORM 990, PART VI, SECTION B, LINE 15 THE CEO'S LAST RAISE IN DEC. 2022 WAS DETERMINED AND NEGOTIATED WITH THE BOARD. EFFECITVE 5/1/25, THE CEO'S HOURS WERE REDUCED BY 20%. THE CFO HAS NOT HAD A RAISE SINCE 7/1/21. THE CFO'S RAISE WAS SET BY THE CEO. KEY EMPLOYEE RAISES INVOLVE A PERFORMANCE REVIEW PERFORMED BY THE CEO. WE ALWAYS COMPARE SALARIES WITH COMPENSATION STUDIES WE PURCHASE OR FIND ONLINE. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART IX, LINE 11G INSTRUCTORS/COUNSELORS: PROGRAM SERVICE EXPENSES 401,559. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 401,559. HR CONSULTANT: PROGRAM SERVICE EXPENSES 1,626. MANAGEMENT AND GENERAL EXPENSES 11,724. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 13,350. COMPUTER CONSULTANT: PROGRAM SERVICE EXPENSES 3,199. MANAGEMENT AND GENERAL EXPENSES 7,650. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 10,849. MARKETING CONSULTANT: PROGRAM SERVICE EXPENSES 18,014. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 18,014. GRANT WRITING CONSULTANT: PROGRAM SERVICE EXPENSES 21,000. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 21,000. WEB/VIDEO CONSULTANT: PROGRAM SERVICE EXPENSES 1,888. MANAGEMENT AND GENERAL EXPENSES 3,393. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 5,281. OTHER: PROGRAM SERVICE EXPENSES 8,385. MANAGEMENT AND GENERAL EXPENSES 5,538. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 13,923. FORM 990, PART XI, LINE 9: PROVISION FOR LOAN LOSSES -190,852.