Civic Intelligence

Bill Pay Fund Inc.

EIN 93-4559172 • 501(c)3 • Dallas, TX

Pub. 78 Eligible990-N CoverageNTEE L82

Profile

Zirtue Foundation Inc is a 501(c)(3) nonprofit organization dedicated to matching and/or providing (BPA) bill pay assistant donations and loans across underserved communities nationally based on their ability to repay while building their credit scores to graduate them into responsible credit-building products.

1920 Mckinney Ave Ste 700Dallas, TX 75201-2485

zirtue.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2025

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

NTEE L • <$500k nonprofits • Source year 2025

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

$0

No earlier filing loaded for comparison.

Liabilities

$0

No earlier filing loaded for comparison.

Net Assets

$0

No earlier filing loaded for comparison.

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

$0

No earlier filing loaded for comparison.

Expenses

$0

No earlier filing loaded for comparison.

Net Income

$0

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$0Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2025

Assets$0
Liabilities$0
Net Assets$0
Open 2025 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$0Revenue 2025: $0Expenses 2025: $0Net Income 2025: $02025

Highlighted filing

2025

Revenue$0
Expenses$0
Net Income$0
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$0
Expenses
$0
Net income
$0
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0$0$0$0$0$0
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Feb 1, 2024 to Jan 31, 2025
Signed
Feb 26, 2025
Return Version
2024v5.0
Gross Receipts
$0
Mission and Program Overview

Mission

Zirtue Foundation Inc is a 501(c)(3) nonprofit organization dedicated to matching and/or providing (BPA) bill pay assistant donations and loans across underserved communities nationally based on their ability to repay while building their credit scores to graduate them into responsible credit-building products.

Program Services

DescriptionGrantsExpenses
Pre-revenue phase of foundation that supports One-time bill pay assistance or a one time loan with an emphasis on Veterans, Nurses, Teachers, and First responders$0$0
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis R Cail IIPresident-$0--
Filing and Contact Details

Filer

Filer Name
Zirtue Foundation Inc
EIN
93-4559172
Phone
2146003433
Address
1920 MCKINNEY AVE STE 700, DALLAS, TX 75201-2485

Signing Officer

Name
Dennis R Cail II
Title
President
Phone
2146003433
Signed
2025-02-26
Supplemental Narrative

Additional Explanations

Part I, Line 10

“Foundation has no activity”

Part I, Line 16

“Foundation has no activity”

Part I, Line 20

“Foundation has no activity”

Part II, Line 24

“Foundation has no activity”

Part II, Line 26

“Foundation has no activity”

Raw XML Appendix189 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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IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine2Txt0STE 700
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Dallas
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IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
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IRS990EZ/PrintingPublicationsPostageAmt00
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
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IRS990EZ/SalariesOtherCompEmplBnftAmt00
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IRS990EZ/SchoolOperatingInd0false
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IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationOtherDesc0Non-Profit Foundation
IRS990EZ/TypeOfOrganizationOtherInd0X
IRS990EZ/WebsiteAddressTxt0https://zirtue.org/
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0Zirtue Foundation is in Pre-Revenue phase and has been dormant since original initiation of our 501(c)(3) organization filing.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Part II, Line 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt00
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IRS990ScheduleA/SupportedOrganizationsCnt00
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IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Foundation has no activity
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Foundation has no activity
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Foundation has no activity
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Foundation has no activity
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Foundation has no activity
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Dennis R Cail II
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02146003433
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-02-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ZIRTUE FOUNDATION INC
ReturnHeader/Filer/BusinessNameControlTxt0ZIRT
ReturnHeader/Filer/EIN0934559172
ReturnHeader/Filer/PhoneNum02146003433
ReturnHeader/Filer/USAddress/AddressLine1Txt01920 MCKINNEY AVE STE 700
ReturnHeader/Filer/USAddress/CityNm0DALLAS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd0752012485
ReturnHeader/ReturnTs02025-02-27T01:37:28Z
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-02-01
ReturnHeader/TaxPeriodEndDt02025-01-31
ReturnHeader/TaxYr02024

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