Financial Model Review And Development

We are seeking experienced financial and lending professionals to help refine and optimize PYT Foundation’s Loanership™ program, ensuring it is financially sustainable, IRS-compliant, and effectively supports credit-building for students.
Key areas where we need assistance:
- Financial Model Optimization: Review and refine the loan-to-grant conversion process and scalable lending framework.
- IRS Compliance & Risk Management: Ensure our lending structure aligns with 501(c)(3) nonprofit finance regulations.
- Credit-Building Integration: Strengthen mechanisms that report student repayments to credit bureaus, boosting borrower credit scores.
- Loan Performance Tracking & Default Mitigation: Develop strategies to reduce default risk and optimize financial tracking systems.

The volunteer’s contributions will help PYT build a sustainable, scalable Loanership™ model, increasing student financial inclusion and economic mobility.

PYT’s mission is to eliminate financial barriers to education and economic mobility by offering students innovative funding solutions. This project directly supports our mission by:
- Ensuring students graduate with minimal debt through our loan-to-grant conversion incentives.
- Improving student financial stability by helping them build credit while in school.
- Scaling our Loanership™ program nationwide, giving more students access to last-mile tuition funding.
- Strengthening our path to CDFI certification, which will help us expand responsible lending to underserved communities.

By volunteering with us, you’ll create long-term financial access for thousands of students, ensuring they graduate, build credit, and secure better economic opportunities. Your expertise will change lives—one Loanership™ at a time.

We have laid a strong foundation for this project by:
- Gaining internal buy-in: Our leadership, finance, and compliance teams are aligned on project goals.
- Gathering necessary materials: We have a well-documented Loanership™ framework, impact data, and IRS-related financial records ready for review.
- Previous funding & research: PYT has secured funding from organizations like Goldman Sachs, Arkansas Community Foundation, and CDFI stakeholders, demonstrating a commitment to financial sustainability.
- Implementation plan in place: The recommendations from this project will be integrated into PYT’s AI-driven financial platform to automate loan tracking, credit-building, and compliance reporting.

We are fully prepared to collaborate with Taproot volunteers and ensure their expertise leads to tangible improvements in our lending model.