California · Nonprofit
WORKING SOLUTIONS CDFI
WORKING SOLUTIONS CDFI (California) receives grants from 28 organizations whose IRS filings report $11,275,370 to it, the largest being JPMORGAN CHASE FOUNDATION ($3,835,000). 21 of them have funded it in more than one year.
- Revenue FY2025
- $4.5M
- Funders on record
- 28
- Grants received
- $11M
- Net assets
- $9.0M
What Working Solutions Cdfi does
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.
As stated on its FY2025 Form 990.
Program
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.
$3,952,504 spent$1,976,047 earned by the program100% of program spending
The program described on its FY2024 Form 990. Program spending in total: $3,952,504.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 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 $13M to $17M (+32%).
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: 2017 15% · 2018 5% · 2019 3% · 2020 2% · 2021 35% · 2022 27% · 2023 61% · 2024 28% · 2025 6%. Grants only. Government contracts and fees sit inside program revenue.
54% of WORKING SOLUTIONS CDFI’s revenue is contributions — about as donation-reliant as the typical peer (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 2 of the last 9 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
Sara Razavi
Chief executive officer
Board chair
Paloma Vidgen
Board chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 4 funders to 13 funders, grant income rose $476k → $1.2M.
10 of 28 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 29% 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: $125k from one payer (the payer shares this organization's board, largest The Mortgage Capital Development Corporation). These are real filings, and they are not money WORKING SOLUTIONS CDFI raised.
From the IRS filings of WORKING SOLUTIONS CDFI’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
WORKING SOLUTIONS CDFI has a broad base — no single funder exceeds 34% 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
36% 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 WORKING SOLUTIONS CDFI.
Largest funder’s share by year: 2017 94% · 2018 81% · 2019 64% · 2020 66% · 2021 28% · 2022 52% · 2023 27% — 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
27% of WORKING SOLUTIONS CDFI's funders are still giving 3 years after their first grant; 75% 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
WORKING SOLUTIONS CDFI draws 82% of its grant income from funders outside California, across 9 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $3.2M arriving through sponsors registered in 6 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
WORKING SOLUTIONS CDFI holds deeper cash reserves than three-quarters of the 6,891 human services nonprofits its size.
this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025
Government funding WORKING SOLUTIONS CDFI receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $8.3M on record.
- Department of the Treasury$7.7M
- Small Business Administration$663k
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 WORKING SOLUTIONS CDFI
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
78% of spending goes to programs.
Governance
Public support
80%
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 WORKING SOLUTIONS CDFI: 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 WORKING SOLUTIONS CDFI?
- WORKING SOLUTIONS CDFI (California) receives grants from 28 organizations whose IRS filings report $11,275,370 to it, the largest being JPMORGAN CHASE FOUNDATION ($3,835,000). 21 of them have funded it in more than one year.
- How many funders does WORKING SOLUTIONS CDFI have?
- IRS filings report 28 organizations giving $11,275,370 in grants to WORKING SOLUTIONS CDFI, 21 of which have funded it in more than one year.
- Who is the largest funder of WORKING SOLUTIONS CDFI?
- JPMORGAN CHASE FOUNDATION is the largest funder on record, with $3,835,000 in grants. The full list of funders is on this page.
- How can an organization like WORKING SOLUTIONS CDFI 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.
Play a game about who funds Working Solutions Cdfi →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 28 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