California · Nonprofit
ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT
ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT (California) receives grants from 65 organizations whose IRS filings report $71,970,908 to it, the largest being The Chicago Community Trust ($38,000,000). 30 of them have funded it in more than one year, and 81% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2025
- $71M
- Funders on record
- 65
- Grants received
- $72M
- Net assets
- $72M
What Accion Opportunity Fund Community Development does
Mission
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.
As stated on its FY2025 Form 990.
Programs
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 35,380 loans totaling $1,066 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 credit loss backstop program partially funded by the state of california as part of its capital access program. (continued on schedule o) 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.
$48,021,504 spentof which $2,190,000 as grants$35,684,525 earned by the program97% of program spendingNew 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, 2025, the organization has received a cumulative total of $558 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, 2025 and 2024, the organization has deployed $522 million and $498 million in qualified equity investments ("qeis"), respectively.
$978,894 spent$2,000,876 earned by the program2% of program spendingPolicy 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.
$522,038 spent1% of program spending
The 3 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $49,522,436.
The organization over time
Each line starts at 100 in 2018, so what you read is the shape rather than the size: 150 means half as much again as 2018, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2020 to 2021, from $132M to $200M (+52%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2018 4% · 2019 8% · 2020 9% · 2021 10% · 2022 7% · 2023 7% · 2024 0% · 2025 0%. Grants only. Government contracts and fees sit inside program revenue.
44% of ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT’s revenue is contributions — about as donation-reliant as the typical peer (61% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 4 of the last 8 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Luz De Lourdes Lopez Urrutia
Chief executive officer
Board chair
Greg Avis
Board chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 8 funders to 15 funders, grant income rose $1.4M → $4.0M.
27 of 65 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 81% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $1.6M from one payer (the payer shares this organization's board, largest Accion Opportunity Fund Inc). These are real filings, and they are not money ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT raised.
From the IRS filings of ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT’s funders (the co-funder graph). Top 30 of 65 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT leans on a few funders — its largest provides 53% of grant income and the top three 72%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
85% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT.
Largest funder’s share by year: 2017 31% · 2018 16% · 2019 29% · 2020 59% · 2021 36% · 2022 34% · 2023 26% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
29% of ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT's funders are still giving 3 years after their first grant; 46% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
81% of ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $13M that is directly attributable, 80% of it comes from funders outside California, across 13 states.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $59M arriving through sponsors registered in 12 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT runs a healthier operating margin than half of the 328 community improvement nonprofits its size.
this organization peer median middle 50% of peers· 328 community improvement nonprofits $10M–$100M, FY2025
Government funding ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $7.6M on record.
- Department of the Treasury$7.6M
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In California
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
84% of spending goes to programs.
Governance
Public support
88%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 28 states
Part of a family of 25 related entities
- Accion Opportunity Fund Inc · exempt
- Learn With Aof Foundation · exempt
- Lcd New Markets Fund Xxiii · partnership
- Lcd New Markets Fund Xxiv · partnership
- Lcd New Markets Fund Xxv · partnership
Screen this organization
A dated, signed PDF of the compliance screen for ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT?
- ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT (California) receives grants from 65 organizations whose IRS filings report $71,970,908 to it, the largest being The Chicago Community Trust ($38,000,000). 30 of them have funded it in more than one year, and 81% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT have?
- IRS filings report 65 organizations giving $71,970,908 in grants to ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT, 30 of which have funded it in more than one year.
- Who is the largest funder of ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT?
- The Chicago Community Trust is the largest funder on record, with $38,000,000 in grants. The full list of funders is on this page.
- How can an organization like ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in California. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2018–2025), and the filings of 65 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing