California · Nonprofit
TMC COMMUNITY CAPITAL
TMC COMMUNITY CAPITAL (California) receives grants from 21 organizations whose IRS filings report $5,901,128 to it, the largest being THE MORTGAGE CAPITAL DEVELOPMENT CORPORATION ($1,700,000). 9 of them have funded it in more than one year.
- Revenue FY2025
- $5.5M
- Funders on record
- 21
- Grants received
- $5.9M
- Net assets
- $2.0M
What Tmc Community Capital does
Mission
Tmc Community Capital's purpose is to assist underserved entrepreneurs in the state of california by providing them with access to capital, technical assistance and resources to successfully start and grow a business. Tmc Community Capital supports microenterprise growth as a strategy to strengthen the local economy, create jobs, and build strong communities. The organization provides the following services: microloans/small business loans of $5,000 to $50,000 throughout the state of california. Referrals for free and low-cost business resources. Free educational business trainings on topics including access to capital, credit, and cashflow. Relief and recovery grants and forgivable loans to businesses impacted by external disasters.
As stated on its FY2025 Form 990.
Program
Microloan program focuses on serving businesses that are typically disenfranchised from traditional lending, such as women business owners, minority business owners and businesses in low-income communities. The organization provides outreach to connect with potential borrowers and provides an intake assessment that includes resource navigation and a referral to other organizations if additional resources are necessary.
$4,028,660 spentof which $635,000 as grants$698,810 earned by the program100% of program spending
The program described on its FY2024 Form 990. Program spending in total: $4,028,660.
The organization over time
Each line starts at 100 in 2019, so what you read is the shape rather than the size: 150 means half as much again as 2019, 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 2022 to 2023, from $2.9M to $5.3M (+81%).
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: 2020 12% · 2021 9% · 2023 11% · 2024 23% · 2025 9%. Grants only. Government contracts and fees sit inside program revenue.
87% of TMC COMMUNITY CAPITAL’s revenue is contributions — more donation-reliant than the typical peer (61% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 7 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
Daniel Fernandez
CEO
Board chair
Mark Herbert
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2019 → 2023: the base broadened from 1 funder to 11 funders, grant income rose $150k → $1.2M.
5 of 21 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 14% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of TMC COMMUNITY CAPITAL’s funders (the co-funder graph). 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
TMC COMMUNITY CAPITAL has a broad base — no single funder exceeds 29% of grant income, and it takes 3 funders to reach half.
the vertical line marks half of all grant income — 3 funders to its left
58% 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 TMC COMMUNITY CAPITAL.
Largest funder’s share by year: 2019 100% · 2020 57% · 2021 55% · 2022 48% · 2023 43% — 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
50% of TMC COMMUNITY CAPITAL's funders are still giving 2 years after their first grant; 43% 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
62% of TMC COMMUNITY CAPITAL's grant income comes from California funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $818k arriving through sponsors registered in 4 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
TMC COMMUNITY CAPITAL has grown faster than three-quarters of the 2,127 community improvement nonprofits its size.
this organization peer median middle 50% of peers· 2,127 community improvement nonprofits $1M–$10M, FY2025
Government funding TMC COMMUNITY CAPITAL receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $1.6M on record.
- Department of the Treasury$1.6M
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 TMC COMMUNITY CAPITAL
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
86% of spending goes to programs.
Governance
Public support
61%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Screen this organization
A dated, signed PDF of the compliance screen for TMC COMMUNITY CAPITAL: 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 TMC COMMUNITY CAPITAL?
- TMC COMMUNITY CAPITAL (California) receives grants from 21 organizations whose IRS filings report $5,901,128 to it, the largest being THE MORTGAGE CAPITAL DEVELOPMENT CORPORATION ($1,700,000). 9 of them have funded it in more than one year.
- How many funders does TMC COMMUNITY CAPITAL have?
- IRS filings report 21 organizations giving $5,901,128 in grants to TMC COMMUNITY CAPITAL, 9 of which have funded it in more than one year.
- Who is the largest funder of TMC COMMUNITY CAPITAL?
- THE MORTGAGE CAPITAL DEVELOPMENT CORPORATION is the largest funder on record, with $1,700,000 in grants. The full list of funders is on this page.
- How can an organization like TMC COMMUNITY CAPITAL 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 2019–2025), and the filings of 21 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