The only platform built for §25F
The platform built to collect forcollect for
the Education Freedom Tax Credit
You receive the donations and choose the scholarships. SGO Software does practically the rest: a fully compliant program inside the 10% cap, every school you serve turned into a fundraiser, ready the day donations open.
You stay in control
Your brand, your donors, your scholarship decisions. Never a national fund’s.
Cardinal Scholarship Fund
Choose your gift,
100% refunded as a federal credit
✓§25F receipt from Cardinal, instantly
Donate now
Oakdale Scholarship Fund
Your EFTC donation,
fully refunded
Donation received
$1,700 · ACH · now
§25F receipt issued
Ready to file · now
Scholarships awarded
264 students YTD
Summit Scholars Fund
2027 scholarship campaign
$101,400 raised of $120,000
312
donors
264
students
✓Every gift 100% refunded (§25F)
Donate nowMost ways into §25F pour your donors into a national fund that runs the distribution, so you don’t even choose who your scholarships go to. Their name on the receipt, their donor list, their pick of recipients. SGO Software is the only platform where you are the SGO of record: your donors stay yours, and you decide every award, which schools, which families, which students.
Your brand on every surface
Your logo and colors on a branded address from day one, your own domain when you're ready. Sign-in included, for your team and your schools.
Your donor relationships
The donor list and the relationship stay yours, always.
Your scholarship decisions
You choose who gets funded. Many national funds don't let you pick at all.
Your name on every receipt
§25F receipts and emails go out from your organization.
Why SGOs choose this platform.
An SGO lives or dies on donors, not bookkeeping. That is what this platform is built around: every school you serve raising money for you, the guide the whole market reads working in your favor, founders who pick up the phone, and the four systems an SGO needs running as one.
Every school you serve becomes a fundraiser
The money in §25F does not come from strangers finding you online. It comes from each school asking its own parent and alumni community, the warmest ask there is: give $1,700, get every dollar back as a federal credit. The platform makes that ask one click per school.
- A ready-to-send campaign for every school, in your brand
- Automatic donor reminders before the filing deadline
- A live rollup, every gift tagged to the school that raised it
Built by the team behind eftccredit.com
eftccredit.com is the reference the market learns §25F from: every state tracked, every Treasury and IRS move covered as it lands. The same team builds your software, so when the rules change, your program is already current. And donors researching the credit there end up pointed toward working SGOs.
- Every regulation tracked, the platform updated as rules land
- State opt-ins covered the day they happen
- Donor education that feeds the whole §25F ecosystem
Founders you can actually call
SGO Software is built by Joseph Friedman and Dovi Geretz, an ex-Google engineer and a fintech builder with 25 years of combined experience, the same team behind EFTC Credit. Early SGOs work with us directly, from setup to first disbursement.
- Direct founder access while you launch
- White-glove onboarding, from EIN to first award
Joseph Friedman & Dovi Geretz
The whole stack, one platform
Off the shelf, an SGO is six subscriptions: payments, donor CRM, email marketing, applications, accounting, and compliance filing. Stitched together, that stack cannot even legally hold §25F money under the separate-account rule. So we built it as one platform. Thirty-plus features, end to end. A sign-in each for you, your donors, your families, and your schools.
How the platform stays compliant30+ features · one platform
Watch
What it actually takes to run an SGO.
Four software products, one regime of rules, and the platform built to run all of it. The whole argument in one video.
How it works
Up and running in no time, not a build project.
Most SGOs don’t have a software team, and you don’t need one. Sign up, get verified, and start inviting schools. No build project, no integration sprint, no waiting on developers.
1Onboard
Sign up, enter your EIN, and upload verification documents. We check your name and EIN live against IRS records, and every signup is reviewed by a person before approval.
2Verify
We run bank-grade KYB and provision your separate accounts, the ones §25F requires. You go active once cleared, on a branded address from day one.
3Invite schools
Bring your network on board. Each school gets its own sign-in and donor channel, in your brand.
4Pre-register donors
Before January 1, bank donors, their payment method, and chosen school, so day one is a charge, not a scramble.
The federal credit, state by state
Be ready the day your state opts in.
The Education Freedom Tax Credit is federal, but each state chooses to participate. We track every state’s status and configure its rules for you, so your SGO can launch the moment yours is in. Donors anywhere can give to any approved SGO; the school’s state decides.
30
States opted in, as of June 2026
Jan 1
2027, donations open
Security & trust
We never hold your money, and we built it that way.
Donations move on regulated rails through our chartered banking partners, never through us, so SGO Software never custodies your funds. Donor identities and family financials are protected to a bank-grade bar, by a team of ex-Google and fintech security engineers. Every guarantee below is enforced in the platform, not promised in a policy.
Identity-verified donors
KYC through a regulated payments provider before any money moves.
Bank-grade rails
ACH and card on established, regulated infrastructure.
Least-privilege access
Every role sees only what it should, enforced at the data layer.
Every action on the record
A complete audit trail of donations, awards, and disbursements.
Explore the platform
The whole platform, one click away.
Donors
Pre-registration, ACH and card payments, and a per-donor §25F receipt on every donation.
View →AwardFamilies
Applications and document-backed eligibility at or below 300% of AMGI.
View →DisburseSchools
Turn each school into a branded donor channel, then disburse and track per student.
View →OperateAdmin
90/10 tracking, state and federal reporting, and an audit-ready trail from one ledger.
View →White-labelYour brand, everywhere
Donors see your SGO's name, logo, and domain, never ours.
View →Compliance§25F compliance
Every federal rule, and how the platform handles each.
View →Get startedHow to start an SGO
The federal path to a working SGO, step by step.
View →ReadinessReadiness checklist
What to have in place before January 1, 2027.
View →PricingPricing
Around 3%, inside your 10% cap.
View →FAQFAQ
The questions forming SGOs ask most.
View →