Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Oct 1978.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
83 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
Something off? The org can add a note here. Request edit privileges.
Who runs it and what they're paid
7 people listed on the 990; $614K paid to officers and key staff.
Compensation history total reportable pay by year · 2 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Sanford Livingston | $451,909 | $412,152 | $378,566 | $316,542 | $273,737 |
| Byron Phillips | $412,296 | $359,596 | $346,543 | $297,463 | $256,471 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
See Nor-Cal Fdc executive salaries →Are you one of these people? Claim this org to confirm your role
Something off? The org can add a note here. Request edit privileges.
Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Guarantees loans to small businesses for capital access across California.
Know this organization? Claim it to add your story
Nor-cal helped small businesses gain access to capital by providing guarantees to lenders throughout the nine counties of the san francisco bay area and around the state of california.
By the numbers
The FY2022 990, line by line.
Download 990
| Line | Start FY22 | End FY22 |
|---|---|---|
| Cash and savingsLn 1–2 | −$68K | $714K |
| Land, buildings, equipmentLn 10c | $6K | $4K |
| Total assetsLn 16 | $662K | $1.2M |
| LiabilitiesLn 26 | $557K | $345K |
| Net assetsLn 32 | $106K | $853K |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $614K | $503K | $111K | $0 |
| Other salaries and wagesLn 7 | $132K | $132K | $0 | $0 |
| Payroll taxesLn 10 | $10K | $10K | $0 | $0 |
| Legal feesLn 11b | $5K | $0 | $5K | $0 |
| Accounting feesLn 11c | $94K | $0 | $94K | $0 |
| Advertising and promotionLn 12 | $5K | $0 | $5K | $0 |
| Office expensesLn 13 | $27K | $0 | $27K | $0 |
| OccupancyLn 16 | $88K | $72K | $16K | $0 |
| Depreciation, depletion and amortizationLn 22 | $2K | $2K | $0 | $0 |
| InsuranceLn 23 | $10K | $0 | $10K | $0 |
| Other expenses (24a–d)Ln 24 | $678K | $677K | $317 | $0 |
| All other expensesLn 24e | $86K | $58K | $28K | $0 |
| Total functional expensesLn 25 | $1.8M | $1.5M | $296K | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $2.4M | $2.4M | −$52K | $325K | 990 PDF |
| FY2024 | $2.0M | $2.4M | −$401K | $400K | 990 PDF |
| FY2023 | $2.2M | $2.2M | −$54K | $800K | 990 PDF |
| FY2022 Viewing | $2.5M | $1.8M | $748K | $853K | 990 PDF |
| FY2021 | $1.5M | $1.4M | $62K | $106K | 990 PDF |
Want to add your own materials alongside these filings? Claim this org
Schedules filed Part IV
See the full FY2022 990 (4 parts)
Part VIII · Statement of revenue $2,499,517 across 5 lines filed
Part IX · Statement of functional expenses $1,751,971 across 12 lines filed
Part X · Balance sheet $1,198,023 assets, 11 lines filed
Part XI · Reconciliation of net assets $853,099 net assets at year end
Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File
Similar organizations you could support · Compare with another nonprofit
Names, privacy, and removal requests More
The names, titles, and compensation shown on this page are reproduced from IRS Form 990 filings, which are public records.
Philanthropy.org does not alter the content of those filings. All information appears exactly as reported by the filing organization for the tax year shown.
We publish only information contained in the public IRS filing — and less than the filing contains. Our profile pages do not display street addresses, telephone numbers, personal email addresses, or other personal contact information, even where the filing includes them.
Many people share the same name. A name shown on this page reflects only what one organization reported in one IRS filing for one tax year. It should not be interpreted as identifying any other individual with the same or a similar name.
If you are no longer affiliated with the organization, your name will generally stop appearing in future IRS filings once the organization no longer reports you. Pages for tax years in which you were reported remain published because those filings remain part of the public record.
Philanthropy.org does not alter or remove IRS filing records. Removing a page from this website would not remove the underlying IRS filing, which remains publicly available from the IRS and other publishers of the same information.
If you believe the IRS filing itself is inaccurate, corrections must be made by the filing organization or the IRS directly.
If you ARE the filing organization, claim this org and add context
Made it to the end? Claim this organization