San FranciscoCA | IRS ruling year: 2006 | EIN: 71-0992446
Organization Mission
Through investments and crowdfunded loans, we enable people to open opportunity to those in need of financial access, bridging the gap between “I need” and “I have” ... (More)
Rating Information
Great
This charity's score is 90%, earning it a Four-Star rating. If this organization aligns with your passions and values, you can give with confidence.
This overall score is calculated from multiple beacon scores, weighted as follows:80% Accountability & Finance, 10% Leadership & Adaptability, 10% Culture & Community. Learn more about our criteria and methodology.
Historical Ratings
Rating Report
- Impact & Measurement
- Accountability & Finance
- Culture & Community
- Leadership & Adaptability
Accountability & Finance
Impact & MeasurementAccountability & FinanceCulture & CommunityLeadership & Adaptability
Accountability & Finance
Score
87
Most Recent Fiscal Year:
FY 2023
This beacon provides an assessment of a charity's financial health (financial efficiency, sustainability, and trustworthiness) and its commitment to governance practices and policies.
Key Accountability Metrics
Full Credit
Partial Credit
No Credit
Majority Independent Board Members - 71% independent members10 out of 10 points
Independent Board Size - 5 independent members10 out of 10 points
Financial Statements - Audit and Oversight Committee20 out of 20 points
Material Diversion of Assets - None20 out of 20 points
Tax Form Disclosures and Policies
Full Credit
Partial Credit
No Credit
Website Listed on Tax Form - Listed5 out of 5 points
Conflict of Interest Policy - Listed5 out of 5 points
Whistleblower Policy - Listed5 out of 5 points
Document Retention and Destruction - Listed5 out of 5 points
Documents Board Meeting Minutes - Yes5 out of 5 points
Tax Form Distributed to Board Before Filing - Listed5 out of 5 points
Loans to/from Officers - None5 out of 5 points
Website Disclosures
Full Credit
Partial Credit
No Credit
Tax Form Posted on Nonprofit's Website - Listed5 out of 5 points
Financial Metrics
Full Credit
Partial Credit
No Credit
Liabilities to Assets: Ratio - 87.12%0 out of 25 points
Program Expense: Ratio - 75.84%25 out of 25 points
Fundraising Efficiency: Ratio - $0.0725 out of 25 points
Working Capital: Ratio - 0.89 years25 out of 25 points
Additional Information
Total Revenue and Expenses - Data Available
Salary of Key Persons - Data Available
IRS Published Data (Business Master File) - Data Available
Data Sources (IRS Forms 990) - Data Available
90%
Impact & Measurement
Accountability & Finance
Culture & Community
Leadership & Adaptability
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