Nonprofit · EIN 77-0030865
CEN CAL BUSINESS FINANCE GROUP INC
Tax-exempt · FRESNO, CA 93711
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $2,364,521 | $2,417,939 | -$53,418 | $4,240,325 | $2,035,652 | $2,204,673 |
| September 30, 2024 | 990 | $3,270,020 | $2,064,595 | $1,205,425 | $4,357,068 | $2,098,977 | $2,258,091 |
| September 30, 2023 | 990 | $1,206,477 | $1,080,710 | $125,767 | $3,057,794 | $2,005,128 | $1,052,666 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $2,318,246
- Investment income
- $24,707
- Net rental income
- -$16,300
- Other revenue
- $21,568
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $194,666
- Other salaries and wages
- $1,362,571
- Salaries, compensation and benefits (total)
- $1,826,590
- Professional fundraising fees
- $0
- Travel
- $15,941
- Depreciation
- $54,986
- Program services (functional)
- $1,720,072
- Management and general (functional)
- $697,867
Balance sheet and other
- Total assets, start of year
- $4,357,068
- Total assets, end of year
- $4,240,325
- Total liabilities, end of year
- $2,035,652
- Net assets, end of year
- $2,204,673
- Land, buildings and equipment
- $900,098
- Net assets without donor restrictions
- $2,204,673
- Gross unrelated business income
- -$20,300
- Gross receipts
- $2,436,598
- Employees
- 17
- Volunteers
- 19
- Year formed
- 1984
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Frank C Gallegos | Executive Dir. Officer | 40 | $194,666 |
| Sheila Lankford | Sr Underwriter | 40 | $181,486 |
| Lesley Lang-Lopez | Loan Officer | 40 | $152,313 |
| Lisa Carbajal | VP/Sr Loan Officer | 40 | $124,603 |
| Frank J Galegos | Loan Officer | 40 | $114,447 |
| Cal B Cain | Loan Officer | 40 | $100,279 |
| Tad Cloud | President Trustee or director, Officer | 1 | $0 |
| Brady McGuinness | Treasurer Trustee or director, Officer | 1 | $0 |
| Linzie Daniel | Secretary Trustee or director, Officer | 1 | $0 |
| Dorothy Thomas | Vice President Trustee or director, Officer | 1 | $0 |
| Nicholas Audino | Director Trustee or director | 1 | $0 |
| Baldev Birk | Director Trustee or director | 1 | $0 |
| Deanna Blaise | Director Trustee or director | 1 | $0 |
| Morgan Clayton | Director Trustee or director | 1 | $0 |
| Debbie Hunsaker | Director Trustee or director | 1 | $0 |
10 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Brandon Lamonica | Director Trustee or director | 1 | $0 |
| Doug Marmolejo | Director Trustee or director | 1 | $0 |
| Katie Miller | Director Trustee or director | 1 | $0 |
| Dustin Oliver | Director Trustee or director | 1 | $0 |
| Will Oliver | Director Trustee or director | 1 | $0 |
| Anthony Olivieri | Director Trustee or director | 1 | $0 |
| Joseph Pickett | Director Trustee or director | 1 | $0 |
| Conrad Stephens | Director Trustee or director | 1 | $0 |
| Rod Webster | Director Trustee or director | 1 | $0 |
| Ken Wittwer | Director Trustee or director | 1 | $0 |
990 for the year ended September 30, 2024: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| FRANK C GALLEGOS | Executive Dir. Trustee or director, Officer | 40 | $173,702 |
| TAL CLOUD | President Trustee or director, Officer | 1 | $0 |
| BRADY McGUINNESS | Treasurer Trustee or director, Officer | 1 | $0 |
| LINZIE DANIEL | Secretary Trustee or director, Officer | 1 | $0 |
| DOROTHY THOMAS | Vice President Trustee or director, Officer | 1 | $0 |
| FRANK C GALLEGOS | EXECUTIVE DIR. | 40 | $0 |
990 for the year ended September 30, 2023: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| FRANK C GALLEGOS | Executive Dir. Trustee or director, Officer | 40 | $164,315 |
| TAL CLOUD | President Trustee or director, Officer | 1 | $0 |
| BRADY McGUINNESS | Treasurer Trustee or director, Officer | 1 | $0 |
| LINZIE DANIEL | Secretary Trustee or director, Officer | 1 | $0 |
| DOROTHY THOMAS | Vice President Trustee or director, Officer | 1 | $0 |
| FRANK C GALLEGOS | EXECUTIVE DIR. | 40 | $0 |
Address and contacts
- Address (IRS master file)
- 5094 N FRUIT AVE STE 103, FRESNO, CA 93711-3056
- Principal officer (990 for 2024)
- Frank C Gallegos, 5094 N Fruit Ave 103, Fresno, CA 93711
- Signed the 990
- Frank C Gallegos, Executive Dir.
- Phone
- (559) 227-1158
- Website
- www.cencalfinance.com
- Return prepared by
- Price Paige & Company CPAs LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 77-0030865 or by the name CEN CAL BUSINESS FINANCE GROUP INC.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
To provide loan services to small businesses.
Program accomplishments
- Processing and servicing of SBA and other loans under the 504 certified development program.Expenses $1,720,072
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 16, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 17, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 18, 2025 | 990 on file |
IRS record
- EIN
- 77-0030865
- Tax-exempt status
- 501(c)(4): Social welfare organization
- Donations deductible
- No
- Exempt since
- 1984
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $4,240,325
- Income (IRS master file)
- $2,436,598
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $2,364,521 | $2,417,939 | $4,240,325 | XML |
| 990 | September 2024 | $3,270,020 | $2,064,595 | $4,357,068 | XML |
| 990 | September 2023 | $1,206,477 | $1,080,710 | $3,057,794 | XML |
| 990 | September 2022 | $1,091,689 | $1,069,475 | $3,077,354 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990 | September 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 77-0030865).
Questions about CEN CAL BUSINESS FINANCE GROUP INC
- What is the EIN of CEN CAL BUSINESS FINANCE GROUP INC?
- The employer identification number (EIN) of CEN CAL BUSINESS FINANCE GROUP INC is 77-0030865.
- Is CEN CAL BUSINESS FINANCE GROUP INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(4) since 1984.
- Are donations to CEN CAL BUSINESS FINANCE GROUP INC tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CEN CAL BUSINESS FINANCE GROUP INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CEN CAL BUSINESS FINANCE GROUP INC due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 16, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CEN CAL BUSINESS FINANCE GROUP INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of CEN CAL BUSINESS FINANCE GROUP INC?
- The 990 for the year ended September 30, 2025 names Frank C Gallegos.
- Who are the officers and directors of CEN CAL BUSINESS FINANCE GROUP INC?
- The 990 for the year ended September 30, 2025 lists 25 people; 6 received compensation from the organization, the highest $194,666 (Frank C Gallegos, Executive Dir.).
- How much revenue does CEN CAL BUSINESS FINANCE GROUP INC have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $2,364,521, expenses of $2,417,939 and total assets of $4,240,325 at year end.
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