Civic Intelligence

Better Opportunity Fund

EIN 86-3348840 • 501(c)3 • New York, NY

Profile

Promoting community development through efforts directed to improving the social and economic conditions of low-income persons and persons who lack adequate access to capital or financial services, as well as resident of economically distressed communities.

1 World Trade Ctr 285 Fulton St F80New York, NY 10007

better.com/b/better-opportunity-fund

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

61st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

2nd percentile

-4107%

Higher net margin than 2% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

14th percentile

-67%

Faster asset growth than 14% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

18th percentile

-46%

Faster revenue growth than 18% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$282,756

Down $578,685 (-67%) from 2023

Liabilities

Down

$0

Down $6,156 (-100%) from 2023

Net Assets

Down

$282,756

Down $572,529 (-67%) from 2023

Operations
Liabilities / Revenue61st percentileNet Margin2nd percentile

Revenue

Down

$13,939

Down $12,018 (-46%) from 2023

Expenses

Up

$586,468

Up $448,800 (+326%) from 2023

Net Income

Down

-$572,529

Down $460,818 (-413%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2021: $1,000,398Liabilities 2021: $0Net Assets 2021: $1,000,3982021Assets 2022: $1,011,484Liabilities 2022: $50,156Net Assets 2022: $961,3282022Assets 2023: $861,441Liabilities 2023: $6,156Net Assets 2023: $855,2852023Assets 2024: $282,756Liabilities 2024: $0Net Assets 2024: $282,7562024

Highlighted filing

2024

Assets$282,756
Liabilities$0
Net Assets$282,756
Open 2024 Filing

Operations Trend

Revenue Growth18th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500K-$1.0MRevenue 2021: $1,000,398Expenses 2021: $0Net Income 2021: $1,000,3982021Revenue 2022: $10,045Expenses 2022: $53,569Net Income 2022: -$43,5242022Revenue 2023: $25,957Expenses 2023: $137,668Net Income 2023: -$111,7112023Revenue 2024: $13,939Expenses 2024: $586,468Net Income 2024: -$572,5292024

Highlighted filing

2024

Revenue$13,939
Expenses$586,468
Net Income-$572,529
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$282,756
Liabilities
$0
Net assets
$282,756
Revenue
$13,939
Expenses
$586,468
Net income
-$572,529
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.28$0.00$0.28$0.01$0.59$0.57
2023Detailed filing. Detailed filing data is available for this year.$0.86$0.01$0.86$0.03$0.14$0.11
2022Detailed filing. Detailed filing data is available for this year.$1.01$0.05$0.96$0.01$0.05$0.04
2021Detailed filing. Detailed filing data is available for this year.$1.00$0.00$1.00$1.00$0.00$1.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.1
Gross Receipts
$13,939
Mission and Program Overview

Mission

Promoting community development through efforts directed to improving the social and economic conditions of low-income persons and persons who lack adequate access to capital or financial services, as well as resident of economically distressed communities.

Promoting community development through efforts directed to improving the social and economic conditions of low-income persons and persons who lack adequate access to capital or financial (CONTINUED ON SCHEDULE O)

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$576,578$4,851▼ $571,727
Accounts Receivable$4,068$1,530▼ $2,538
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Land, Buildings, and Equipment, Net$0$0→ $0
Loans From Officers Directors$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$-106,043$-572,529▼ $466,486
Total Assets$861,441$282,756▼ $578,685
Other Assets Total$280,795$276,375▼ $4,420
Liabilities
Other Liabilities$6,156$0▼ $6,156
Total Liabilities$6,156$0▼ $6,156
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$961,328$855,285▼ $106,043
Total Net Assets Fund Balance$855,285$282,756▼ $572,529
Total Liabilities and Net Assets / Fund Balance$861,441$282,756▼ $578,685

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$276,375--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Vishal GargPresident
Nneka UkpaiBoard Member (as of 03/24)
Paula TuffinSecretary
Nicholas CalamariTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$13,939
Change in Net Assets
$-572,529
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$586,468
Other Expenses$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$586,468--$586,468
Total Functional Expenses$586,468$0$0$586,468
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“CHANGES TO THE BYLAWS OR GOVERNING DOCUMENTS ARE SUBJECT TO APPROVAL BY Better Home and Finance Holding Company AS THE SOLE CORPORATION MEMBER OF BETTER OPPORTUNITY FUND.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“The form 990 is reviewed by management prior to filing.”

Form 990, Part VI, Line 19 Required documents available to the public

“AVAILABLE UPON REQUEST”

Form 990, Part VI, Line 7A-members or Stockholders Electing Members of Governing Body

“Changes to the bylaws or governing documents are subject to approval by better home and finance holding company as the sole corporation member of better opportunity fund.”

Filing and Contact Details

Filer

Filer Name
Better Opportunity Fund
EIN
86-3348840
Phone
5037785215
Address
1 WORLD TRADE CTR 285 FULTON ST F80, New York, NY 10007

Signing Officer

Name
Vishal
Title
Garg
Phone
5037785215
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Formed
2021
Legal Domicile
De
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
3

Preparer

Firm
Ernst & Young US Llp
Address
200 CLARENDON STREET, BOSTON, MA 02116-5072
Preparer
George Pagano
Phone
6172662000
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 1- Brief Mission

“Services, as well as resident of economically distressesd communities.”

Raw XML Appendix389 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 IS REVIEWED BY MANAGEMENT PRIOR TO FILING.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SERVICES, AS WELL AS RESIDENT OF ECONOMICALLY DISTRESSESD COMMUNITIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CHANGES TO THE BYLAWS OR GOVERNING DOCUMENTS ARE SUBJECT TO APPROVAL BY BETTER HOME AND FINANCE HOLDING COMPANY AS THE SOLE CORPORATION MEMBER OF BETTER OPPORTUNITY FUND.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 7a Members or stockholders electing members of governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b Review of form 990 by governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19 Required documents available to the public
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART I, LINE 1- BRIEF MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, LINE 7A-MEMBERS OR STOCKHOLDERS ELECTING MEMBERS OF GOVERNING BODY
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Garg
ReturnHeader/BusinessOfficerGrp/PhoneNum05037785215
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Better Opportunity Fund
ReturnHeader/Filer/BusinessNameControlTxt0BETT
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ERNST & YOUNG US LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0200 CLARENDON STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BOSTON
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ReturnHeader/PreparerPersonGrp/PhoneNum06172662000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0George Pagano
ReturnHeader/ReturnTs02025-11-14T17:28:22+00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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