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WORKING SOLUTIONS CDFI

EIN 91-1951777 SAN FRANCISCO, CA

Browse the largest nonprofits in California

Revenue 2024
$4,517,533
Expenses 2024
$5,062,982

Program services were 78.1% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
P800
Classification
1000
Street
870 MARKET ST STE 677

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Other organizations at this address

2 other organizations in the IRS Business Master File list the same street address. matched by us

This address is a suite or unit (STE 677). Organizations that share one are often clients of the same office-services firm, accountant or registered agent rather than related to each other.

We match the street line and ZIP code as the IRS gives them, ignoring case and outer spaces and nothing else, so "AVE" and "AVENUE" count as different streets and this list can miss some. A shared address can mean related organizations or a shared office, but it can also be a registered agent, a mail drop or a service provider holding mail for unrelated clients. It is not, by itself, evidence that two organizations are connected.

Mission and programs · 2024

Mission

WORKING SOLUTIONS CDFI IS THE FIRST TO BELIEVE IN START-UP AND EARLY-STAGE BUSINESSES BY PROVIDING DIVERSE ENTREPRENEURS WITH AFFORDABLE CAPITAL, CUSTOMIZED BUSINESS CONSULTING, AND COMMUNITY CONNECTIONS TO INCREASE ECONOMIC OPPORTUNITY IN CALIFORNIA.

Activities or mission (Part I)

WORKING SOLUTIONS IS A CERTIFIED NONPROFIT COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) THAT SUPPORTS CALIFORNIA ENTREPRENEURS TO START AND GROW THRIVING LOCAL BUSINESSES. WE SPECIALIZE IN START-UP AND EARLY-STAGE FINANCING FOR INDIVIDUALS VIA CAPITAL, CONSULTING, AND COMMUNITY CONNECTIONS.

  • WORKING SOLUTIONS CDFI ("WORKING SOLUTIONS OR "THE ORGANIZATION") IS A CALIFORNIA NONPROFIT CORPORATION AND A CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI). WORKING SOLUTIONS IS THE FIRST TO BELIEVE IN START-UP AND EARLY-STAGE BUSINESSES BY PROVIDING AFFORDABLE CAPITAL, CUSTOMIZED BUSINESS CONSULTING, AND COMMUNITY CONNECTIONS TO DIVERSE ENTREPRENEURS--WITH A FOCUS ON LOW-INCOME INDIVIDUALS, ENTREPRENEURS OF COLOR, AND WOMEN--TO INCREASE ECONOMIC OPPORTUNITY IN CALIFORNIA. WORKING SOLUTIONS SUPPORTS MICROENTERPRISE GROWTH TO STRENGTHEN THE LOCAL ECONOMY, CREATE JOBS, AND BUILD STRONG COMMUNITIES. WORKING SOLUTIONS PROVIDES THE FOLLOWING PRODUCTS AND SERVICES: (I) BUSINESS LOANS FROM $5,000 TO $100,000; (II) SMALL BUSINESS GRANTS; (III) FREE, ONE-ON-ONE BUSINESS CONSULTING TO HELP ENTREPRENEURS NAVIGATE THE CHALLENGES OF OWNING A SMALL BUSINESS WITH A SPECIFIC FOCUS ON FINANCIAL MANAGEMENT AND RISK MITIGATION; AND (IV) REFERRALS TO FREE OR LOW-COST INDUSTRY EXPERTS FOR LEGAL, ACCOUNTING, MARKETING, AND OTHER TYPES OF SPECIALIZED SUPPORT.

    Expenses $3,952,504 · Revenue $1,976,047

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Paloma Vidgen

    BOARD CHAIR

    Total calculated
    $0
    Hours/week
    2
  • Olivia Rebanal

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    2
  • Christina Travers

    TREASURER

    Total calculated
    $0
    Hours/week
    2
  • Mindy Christensen

    SECRETARY

    Total calculated
    $0
    Hours/week
    2
  • Marisa Calderon

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Haseeb Chaudhry

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Emily Gasner

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Tate Hill

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Will Jackson

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Brian Nagendra

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Lena Robinson

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Marci Rosenfeld

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Gasper Magallanes

    CHIEF FINANCIAL OFFICER

    Total calculated
    $191,649
    From this org
    $151,075
    From related orgs
    $0
    Other
    $40,574
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $149,770
    Bonus
    $0
    Other
    $1,305
    Deferred
    $5,288
    Nontaxable benefits
    $35,286
    Filer's total
    $191,649
  • Sara Razavi

    CHIEF EXECUTIVE OFFICER

    Total calculated
    $188,427
    From this org
    $182,055
    From related orgs
    $0
    Other
    $6,372
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $177,243
    Bonus
    $0
    Other
    $4,812
    Deferred
    $6,372
    Nontaxable benefits
    $0
    Filer's total
    $188,427
  • Laura Hoover

    CHIEF DEVELOPMENT OFFICER

    Total calculated
    $215,665
    From this org
    $166,053
    From related orgs
    $0
    Other
    $49,612
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $164,973
    Bonus
    $0
    Other
    $1,080
    Deferred
    $5,812
    Nontaxable benefits
    $43,800
    Filer's total
    $215,665
  • Titilope Ikhile

    CHIEF PROGRAM OFFICER

    Total calculated
    $202,600
    From this org
    $164,731
    From related orgs
    $0
    Other
    $37,869
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $152,202
    Bonus
    $10,000
    Other
    $2,529
    Deferred
    $5,766
    Nontaxable benefits
    $32,103
    Filer's total
    $202,600
  • John Palyo

    CHIEF LENDING OFFIER (THRU 7/2024)

    Total calculated
    $189,235
    From this org
    $161,243
    From related orgs
    $0
    Other
    $27,992
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $92,473
    Bonus
    $0
    Other
    $68,770
    Deferred
    $0
    Nontaxable benefits
    $27,992
    Filer's total
    $189,235
  • Debra Steineman

    SENIOR ACCOUNTING MANAGER

    Total calculated
    $155,627
    From this org
    $126,022
    From related orgs
    $0
    Other
    $29,605
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $118,062
    Bonus
    $6,130
    Other
    $1,830
    Deferred
    $4,411
    Nontaxable benefits
    $25,194
    Filer's total
    $155,627
  • Natalya Blumenfeld

    DIRECTOR OF DATA & IMPACT

    Total calculated
    $135,798
    From this org
    $118,261
    From related orgs
    $0
    Other
    $17,537
    Hours/week
    40
  • Sabrina Adams

    GRANTS OFFICER

    Total calculated
    $124,978
    From this org
    $104,480
    From related orgs
    $0
    Other
    $20,498
    Hours/week
    40
  • Christian Knight

    DIRECTOR OF PORTFOLIO MANAGEMENT

    Total calculated
    $122,065
    From this org
    $114,940
    From related orgs
    $0
    Other
    $7,125
    Hours/week
    40
  • Lynnda Mori

    BUSINESS CONSULTING MANAGER

    Total calculated
    $120,605
    From this org
    $116,527
    From related orgs
    $0
    Other
    $4,078
    Hours/week
    40

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $4,517,533
    Expenses
    $5,062,982
    Contributions
    $2,439,542
    Grants paid
    $0
  • 2023
    Revenue
    $5,154,072
    Expenses
    $4,989,444
    Contributions
    $3,660,675
    Grants paid
    $296,500
  • 2022
    Revenue
    $6,684,587
    Expenses
    $4,561,932
    Contributions
    $5,740,891
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $2,670,816
    Expenses
    $3,918,600
    Assets (EOY)
    $16,295,715
  • 2020 · 990

    Revenue
    $7,387,576
    Expenses
    $3,535,860
    Assets (EOY)
    $16,888,921
  • 2019 · 990

    Revenue
    $3,494,095
    Expenses
    $3,383,498
    Assets (EOY)
    $12,755,754
  • 2018 · 990

    Revenue
    $2,753,022
    Expenses
    $2,681,216
    Assets (EOY)
    $12,591,495
  • 2017 · 990

    Revenue
    $2,238,316
    Expenses
    $2,143,337
    Assets (EOY)
    $11,069,230
  • 2016 · 990

    Revenue
    $2,653,987
    Expenses
    $2,412,945
    Assets (EOY)
    $9,075,814
  • 2015 · 990

    Revenue
    $2,668,976
    Expenses
    $1,840,110
    Assets (EOY)
    $8,127,838
  • 2014 · 990

    Revenue
    $1,915,971
    Expenses
    $1,445,588
    Assets (EOY)
    $5,815,641

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

The 10 largest by cash amount. The API serves every itemized grant.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared as related by

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 13 October 2026, under deductibility PC.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.