2024-12-13T10:39:19-08:00 2024-06-30 742638320 West Davis & Company LLP 11824 Jollyville Road Suite 100 Austin TX 78759 990 2023-07-01 742581297 BUSINESS AND COMMUNITY LENDERS OF TEXAS BUSI 5129129884 1011 JAN JACINTO BLVD AUSTIN TX 78701 RAQUEL VALDEZ SANCHEZ CEO 5129129884 2024-12-13 true true Rob West CPA P00218847 5038286650 2023 2024-10-15 13:58:12Z X RAQUEL VALDEZ SANCHEZ 1011 SAN JACINTO 500 AUSTIN TX 78701 3088394 false X WWW.BCLOFTEXAS.ORG X 1990 TX TO ASSIST AND PROMOTE THE GROWTH AND DEVELOPMENT OF SMALL BUSINESSES IN TEXAS AND TO FACILITATE HOUSING INITIATIVES. 8 8 27 0 0 0 2280789 1077756 1407862 1933967 56328 76671 0 3744979 3088394 913563 946673 0 1171810 1198600 0 0 2011097 1823384 4096470 3968657 -351491 -880263 28558255 26883300 13485451 12690759 15072804 14192541 X TO FURTHER THE ECONOMIC DEVELOPMENT OF TEXAS BY PROMOTING AND ASSISTING IN THE GROWTH AND DEVELOPMENT OF SMALL BUSINESS CONCERNS AND TO ASSIST IN THE DEVELOPMENT OF AFFORDABLE HOUSING FOR LOW AND MODERATE INCOME FAMILIES. false false 2481606 946673 1007004 BUSINESS LENDING - THE ORGANIZATION PROCESSES AND SERVICES SBA LOANS FOR SMALL BUSINESSES THAT DO NOT QUALIFY FOR CONVENTIONAL FINANCING. LOANS ARE MADE TO SMALL BUSINESSES FROM GRANT FUNDS AND CONTRIBUTIONS FROM VARIOUS BUSINESSES AND LOCAL GOVERNMENTS AS WELL AS INTEREST EARNINGS AND PRINCIPAL RETURNED TO THE LOAN FUND POOL. DURING FISCAL YEAR 2024, THE ORGANIZATION DISBURSED OVER $3 MILLION IN LOANS. 171542 0 743416 COMMUNITY DEVELOPMENT - THE ORGANIZATION COUNSELED OVER 1,000 FAMILIES ON HOME FORECLOSURE AND MITIGATION, AND OVER 800 BUSINESSES WITH MANAGEMENT COUNSELING, BUSINESS MARKETING, GROWTH STRATEGIES, AND GENERAL BUSINESS START UP AND DEVELOPMENT. 421353 0 157244 HOUSING AND HOME OWNERSHIP - THE ORGANIZATION HELPS FAMILIES SECURE A HOME OF THEIR OWN AND BUILD THEIR ASSETS. THE ORGANIZATIONS SPECIALISTS WORK TO BUILD A CUSTOMIZED PLAN WITH CLIENTS TO HELP THEM ACHIEVE THEIR GOALS AT THEIR OWN PACE. 309415 0 26313 ENTREPRENEURSHIP - THE ORGANIZATION USES ITS KNOWLEDGE AND EXPERIENCE TO HELP SMALL BUSINESSES MEET THEIR GOALS. 309415 0 26313 3383916 true true false false false false false false false false true false true true true false false true false false false false false false false false false true true true false false false false false false false false false false false false false true false false false true 6 0 true 27 true false false false false false false false false false false X 8 8 false false false false false false false true true false false true true true true true true true true false X RAQUEL VALDEZ SANCHEZ 5129129884 1011 SAN JACINTO 500 AUSTIN TX 78701 WILLIAM SUTHERLAND CHAIR 3.00 X 0 0 0 STACY BOWERS VICE CHAIR 1.00 X 0 0 0 JUDY CANALES TREASURER 1.00 X 0 0 0 DORA ZAPATA SECRETARY 1.00 X 0 0 0 MELISSA CHAMRAD DIRECTOR 1.00 X 0 0 0 DAVID BRENNAN DIRECTOR 1.00 X 0 0 0 MARINA GARCIA DIRECTOR 1.00 X 0 0 0 DAVID SALINAS DIRECTOR 1.00 X 0 0 0 ROSA RIOS VALDEZ CHIEF EXECUTIVE OFFICER 40.00 X 156240 0 7642 156240 0 7642 1 false true false 1077756 1077756 LOAN INTEREST INCOME 525990 791128 0 0 LOAN SERVICING FEES 525990 143556 0 0 LOAN PROCESSING FEES 525990 72310 0 0 CONTRACT INCOME 525990 743416 0 0 HOMEBUYER COUNSELING 525990 157244 0 0 26313 0 0 1933967 76671 0 76671 3088394 1933967 0 76671 946673 946673 163882 130503 33379 0 872968 695162 177806 0 78351 62392 15959 0 83399 66412 16987 0 293201 228399 64802 0 142269 129519 12750 0 119417 12348 107069 0 30809 30809 0 0 350024 278573 71451 0 84109 63110 20999 0 123662 123662 0 0 278130 258289 19841 0 78077 58610 19467 0 31633 21903 9730 0 BAD DEBT PROVISION 213708 213708 0 0 REFUND TO GRANTOR 12000 12000 0 0 MEMBERSHIP DUES 66345 51844 14501 0 3968657 3383916 584741 0 2909362 2928083 11975322 8284316 144368 362368 6417052 8801466 38414 65288 298362 175043 154564 123319 29829 0 4390144 3619072 34432 13593 2464768 2685795 28558255 26883300 281502 274155 2504970 3006339 10606806 9256227 92173 154038 13485451 12690759 X 14620022 13786590 452782 405951 15072804 14192541 28558255 26883300 -880263 X false true X false true true X 0 6236183 1125766 5728177 2280789 1077756 16448671 0 0 6236183 1125766 5728177 2280789 1077756 16448671 0 16448671 19594 11790 30499 56328 76671 194882 0 0 16643553 0.98830 0.99130 X 0 0 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 257664 143259 114405 40698 31784 8914 123319 FORGIVABLE LOANS 1119072 C LOAN POOL INVESTMENT 2500000 C 3619072 RESTRICTED CASH 2156579 DUE FROM AFFILIATE 529216 2685795 PAYABLE TO CITY PARTICIPANTS 154038 DEPOSITS & ESCROW LIABILITIES 0 154038 true 1 0 FORGIVEN LOANS 339 946673 Pt I Line 2 PROGRAM DIRECTORS MAINTAIN CLIENT FILES THAT CONTAIN ELIGIBILITY AND Pt I Line 2 SELECTION CRITERIA. THESE ARE MONITORED BY FUNDING AGENCIES ON VARYING Pt I Line 2 CYCLES THROUGH COMPLIANCE MONITORING VISITS. X X X X X false false false false false false false false false ROSA RIOS VALDEZ 156240 0 0 0 0 0 0 0 7642 0 163882 0 0 0 Pt VI, Line 11b THE EXECUTIVE DIRECTOR AND CHIEF FINANCIAL OFFICER REVIEW Pt VI, Line 11b THE FORM 990, WHICH IS THEN SUBMITTED TO THE BOARD FOR Pt VI, Line 11b REVIEW PRIOR TO FILING. Pt VI, Line 12c POTENTIAL CONFLICTS OF INTEREST ARE MONITORED BY AN Pt VI, Line 12c ANNUAL CHECK ON RECEIVING THE SIGNED CODE OF ETHICS FROM Pt VI, Line 12c DIRECTORS AND KEY EMPLOYEES. Pt VI, Line 15a THE EXECUTIVE DIRECTORS COMPENSATION IS REVIEWED AND Pt VI, Line 15a APPROVED BY THE BOARD OF DIRECTORS. Pt VI, Line 15b OTHER OFFICERS AND KEY EMPLOYEES COMPENSATION FOLLOWS Pt VI, Line 15b A PAY SCALE. PAY RAISES AND STARTING PAY FOR OTHER Pt VI, Line 15b OFFICERS AND KEY EMPLOYEES ARE APPROVED BY THE Pt VI, Line 15b EXECUTIVE DIRECTOR. Pt VI, Line 19 GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS Pt VI, Line 19 ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST FROM Pt VI, Line 19 MANAGEMENT. Form 990, Part III, Line 4d ENTREPRENEURSHIP - THE ORGANIZATION USES ITS 309415. 0. 26313. TEXAS COMMUNITY BUILDERS 1011 SAN JACINTO 500 AUSTIN TX 78701 311748289 AFFORDABLE HOUSING RENTAL TX 501(C)(3) 170(B)(1)(A)VI CEN-TEX CDC false false false false true false false false false false false true true false false true false false false false TEXAS COMMUNITY BUILDERS D 529216 AGREEMENT BETWEEN ORGANIZATIONS TEXAS COMMUNITY BUILDERS K 226313 AGREEMENT BETWEEN ORGANIZATIONS TEXAS COMMUNITY BUILDERS L 11000 AGREEMENT BETWEEN ORGANIZATIONS TEXAS COMMUNITY BUILDERS O 47231 AGREEMENT BETWEEN ORGANIZATIONS