UPSOLVE INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2017

Legal Domicile

Principal Officer

JONATHAN PETTS

Phone

2695689257

Tax Period

2023-01-01 to 2023-12-31

UPSOLVE INC, founded in 2017, is a community nonprofit in the Crime & Legal sector that reported $1.2M in total revenue in fiscal year 2023. Revenue fell 51% from the prior year — a significant decline worth monitoring. Expenses of $1.9M exceeded revenue, resulting in a 66% operating deficit.

Mission

UPSOLVE'S MISSION IS TO EDUCATE, EMPOWER, AND SERVE UNDERPRIVILEGED, DISTRESSED, AND VULNERABLE POPULATIONS THROUGHOUT THE UNITED STATES BY HELPING THEM ACCESS THEIR CIVIL RIGHTS AND LIBERTIES SECURED BY LAW.

Program Service Accomplishments

Program 1

Expenses: $1,422,957 Revenue: $416,319

LEGAL RELATED AND EDUCATION SERVICES - UPSOLVE PROVIDES FREE FINANCIAL AND LEGAL EDUCATION, FREE ONLINE COMMUNITY, ACCESS TO FREE EVALUATIONS, AND FREE TECHNOLOGY TOOLS TO UNDERPRIVILEGED...

LEGAL RELATED AND EDUCATION SERVICES - UPSOLVE PROVIDES FREE FINANCIAL AND LEGAL EDUCATION, FREE ONLINE COMMUNITY, ACCESS TO FREE EVALUATIONS, AND FREE TECHNOLOGY TOOLS TO UNDERPRIVILEGED, DISTRESSED, AND LOW-INCOME INDIVIDUALS. IN 2023, ALMOST THREE MILLION PEOPLE VISITED UPSOLVE'S WEBSITE TO CONSUME ITS FREE EDUCATION AND OVER 82,000 PEOPLE USED UPSOLVE'S BANKRUPTCY TECHNOLOGY TOOLS. IN 2023, UPSOLVE MEMBERS CONFIRMED RELIEVING OVER $88 MILLION IN DEBT BY FILING BANKRUPTCY FORMS THEY GENERATED WITH OUR TOOLS. UPSOLVE ALSO PROMOTES EQUAL RIGHTS UNDER THE LAW THROUGH PUBLIC EDUCATION, ADVOCACY, AND COMMUNITY-BASED PARTNERSHIPS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $643,806

Program Service Revenue $416,319

Investment Income $90,354

Other Revenue $12,148

TOTAL REVENUE $1,162,627

Expense Breakdown

Grants Paid $0

Salaries & Benefits $985,658

Fundraising Expenses $193,045

Program Expenses $1,422,957

Other Expenses $942,642

TOTAL EXPENSES $1,928,300

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,162,627	$2,351,190	-0.5%
Expenses	$1,928,300	$2,072,272	-0.1%
Net Income	$-765,673	$278,918	-3.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$204,992

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROHAN PAVULURI	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
ALISA PRATT	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT KELLY	DIRECTOR	1.00	Director	$0	$0	$0
MARK HANSEN	DIRECTOR	1.00	Director	$0	$0	$0
MILTON SYED	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN PETTS	CEO	40.00	Officer	$193,192	$11,800	$204,992
JEFFREY ZHOU	CHIEF TECHNOLOGY OFFICER	40.00	Highest	$197,615	$5,850	$203,465
TINA TRAN	MANAGING ATTORNEY	40.00	Highest	$114,408	$6,842	$121,250
BEN JACKSON	CHIEF PRODUCT OFFICER	40.00	Highest	$199,035	$11,800	$210,835
ZEV IZENBERG	SOFTWARE ENGINEER	40.00	Highest	$120,500	$5,363	$125,863

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$1,162,627	$1,928,300	$3,322,708	$-765,673
2022	$2,351,190	$2,072,272	$4,097,671	$278,918
2021	$3,650,767	$1,811,218	$3,862,776	$1,839,549
2020	$1,557,545	$1,215,676	$2,042,597	$341,869
2019	$2,087,296	$887,594	$1,635,081	$1,199,702
2018	$451,008	$227,556	$355,452	$223,452