01Collect
Donations from donors.
Donor onboarding with identity verification. Accept donations from individual donors and issue the per-donor receipts they need to claim the federal credit.
Compliance software for §25F SGOs
The platform built for the Education Freedom Tax Credit.
One platform for donor collection, family applications, school disbursement, and federal reporting, with §25F compliance built into every step, from separate accounts and the 90/10 split to an audit-ready trail.
Not an SGO? See the donor-side program guide at eftccredit.com →
Four surfaces · one platform
Running an SGO is four software products. We’re all four.
Donors, families, schools, and your back office each need their own product, payments, eligibility, disbursement, and reporting. Stitching them together is the work that doesn’t get done before launch. SGO Software is all four, already connected. You sign up.
Donor portal
Surface 01
Donors · Payments
Surface 01
Donors
A payments product.
- Identity capture and ACH, card, PayPal, and payroll deduction, one-time or recurring.
- Per-donor §25F receipts generated automatically, ready to claim.
- Donor-directed giving by state and school, with allocations the SGO can switch on or off.
Family portal
Surface 02
Families · Eligibility
Surface 02
Families
An eligibility product.
- One application both parents can access; manage multiple children and attribute each to a school.
- Upload income and residency documents, W-2, tax return, SNAP, utility bill, ID.
- AI document review plus AMI lookup and the 300%-of-poverty calculation return a preliminary award estimate.
School portal
Surface 03
Schools · Disbursement
Surface 03
Schools
A disbursement product.
- School login, signed SGO agreement, and clean handling of mid-year transfers.
- Per-student ledger of assigned funds and awarded students, reconciled.
- API tie-ins with school-management systems and an application link to embed on every partner school's site.
SGO console
Surface 04
You · Back office
Surface 04
You
A back office.
- Manage every account, review documents, and assign scholarships from one console.
- Email applicants and partners on-platform, minimize leaving the system.
- State and federal reports plus dashboards with deep filtering by need, children, siblings, and school.
Real screens from the SGO Software product, hover a card to flip it. Sample data shown.
How a dollar moves
From a donor’s gift to a child’s tuition, on one ledger.
The four surfaces share one pipeline. A donation comes in, becomes an award, and lands at a school, every step tracked against §25F and the 90/10 cap, so the money and the compliance never drift apart.
02Award
Scholarships to families.
Application intake from eligible K, 12 families. Configurable award workflows your SGO controls. Pass-through tracking against the 90/10 administrative cap from day one.
03Disburse
Payouts to schools.
Payouts to participating schools and providers, with per-student ledger and reconciliation. Designed to satisfy federal §25F and state SGO oversight.
Compliant from day one. Built around 26 U.S.C. §25F (OBBBA §70411).
The reason it exists
Compliant by construction, not bolted on later.
§25F isn’t a tax form, it’s a federal compliance regime. It requires separate accounts for donations, a 90/10 income test, eligibility priority rules, and a federal audit, and those rules apply whether you’re forming an SGO or have run scholarships for years. Most existing tools were never built for them. SGO Software is. See the full §25F requirements →
Per-donor §25F receipts
Every donor gets the exact document they need to claim the federal credit, generated as the gift settles. Wrong receipts mean donors can't claim, so we get them right by construction.
Administrative cap tracking
At least 90% of donations must reach scholarships. We track every dollar against the cap from day one, not reconstruct it the night before an audit.
Needs-based, document-backed
AMI lookup, the 300%-of-poverty calculation, and AI-assisted review of income and residency documents, so each award stands up to scrutiny.
State and federal, one ledger
Every state program reports differently and §25F adds a federal layer. Both sets of reports come from the same ledger, so the numbers always reconcile.
A trail you can hand over
Every donation, award, disbursement, and document is reconstructable. When a state or the Treasury asks, the answer is already assembled.
You sign up. The compliance is already running.
26 U.S.C. §25F · OBBBA §70411
How it works
From sign-up to live, without the build.
You decided to run your own SGO instead of handing it to a national. Good. Here’s how you get operational without becoming a software company to do it.
Sign up and tell us your program
Your states, your schools, your eligibility rules. We start from how your SGO actually runs, not a generic template.
We configure and connect
Donor payments, the eligibility engine, school onboarding, and your §25F and state reports, set up and wired together for you.
Go live
Donors give, families apply, schools get funded, you report. You run the SGO; the platform keeps it compliant from day one.
Trust & security
Built to be trusted with money and PII.
An SGO handles donor identities, family financials, and the movement of real money. That bar is higher than a typical web app, and the platform is built to it. SGO Software is made by the team behind eftccredit.com, focused entirely on the Education Freedom Tax Credit.
Verified identities
Donors are identity-verified (KYC) before money moves, through a regulated payments provider, not a raw card form.
Bank-grade payment rails
ACH, card, and payroll donations run on established payment infrastructure, so funds and records stay reconciled.
Least-privilege access
Donors, families, schools, and your staff each see only what their role allows, enforced at the data layer.
Every action on the record
A complete audit trail of donations, awards, and disbursements means any question has an answer already assembled.
Why SGO Software
Built for one thing: the Education Freedom Tax Credit.
Plenty of tools can take a donation or track an application. None of them were built around §25F’s compliance rules, and that’s the part you’re on the hook for, new SGO or national foundation alike.
Built exclusively for §25F
Not a general scholarship tool with the Education Freedom Tax Credit bolted on. Every part, separate accounts, 90/10 tracking, per-donor receipts, eligibility priority, is built around the federal credit's actual rules.
Even big SGOs need it
§25F is a new federal compliance regime. However large or established you are, your donor CRM and spreadsheets weren't built to segregate qualified contributions or produce a federal audit. You still need software built around EFTC.
End-to-end, one system
Donors, families, schools, and reporting on a single ledger, so money and compliance never drift apart between tools, and there's one place to answer for every dollar.
Compliant from day one
Segregated funds, the 90/10 split, eligibility priority, and an audit-ready trail are built in, not reconstructed the week an auditor or a state asks.
Run the EFTC end-to-end from day one.
If you’re preparing your SGO for the January 2027 launch and want one platform for collection, awards, disbursement, and §25F reporting. Talk to us early.