For 501(c)(3) non-profits · churches · foundations

You're tax-exempt. That doesn't mean tax-free.

Form 990 is public. One missed UBIT line and your gift shop revenue costs the org 21%. We keep the exemption clean, the donor receipts compliant, and the board out of liability.

What non-profits get wrong (and what we fix)

The IRS revokes 50,000+ exemptions a year for failure to file 990s. Half of those orgs didn't know the 990-N postcard counted. We don't let that be you.

Form 990 / 990-EZ / 990-N timing and accuracy

Form 990 due 5 months 15 days after fiscal year-end (May 15 calendar). Three automatic 6-month extensions available on Form 8868. Three consecutive missed years = automatic revocation of exempt status §6033(j). We file every cycle on time, all schedules attached.

IRC §6033; §6033(j); Form 990 instructions

Unrelated Business Income Tax (UBIT)

Gift shop, parking lot rentals, ad sales in your newsletter, debt-financed property income, all potentially UBI at 21% corporate rate on Form 990-T. Each unrelated trade is siloed since TCJA. We engineer activity inside vs. outside the exempt purpose and document the "substantially related" test.

IRC §511; §512(a)(6) silo rule; §514 debt-financed

Donor receipts and substantiation

Donor needs a contemporaneous written acknowledgment for any gift $250+. Quid-pro-quo over $75 requires good-faith FMV estimate of benefit. Non-cash gifts $500+ trigger Form 8283; $5,000+ triggers qualified appraisal. We template all four classes so your donors actually get the deduction.

IRC §170(f)(8); §170(f)(11); Treas. Reg. §1.170A-13

Board governance + intermediate sanctions

Excess benefit transactions to insiders trigger 25% excise tax on the insider and 10% on board members who approved it (up to 200% second-tier). We build the rebuttable-presumption process: independent comp study, board minutes, conflict-of-interest policy.

IRC §4958; Treas. Reg. §53.4958-6

Public support test (509(a)(1) / 509(a)(2))

Public charity status requires passing the 33⅓% public support test over a 5-year rolling window. One big donor can tip you into private-foundation status, which means 1.39% net-investment-income excise tax, mandatory 5% payout, and self-dealing prohibitions. We monitor the running total quarterly.

IRC §509(a); §4940; §4942

State registration and charitable solicitation

40+ states require charitable solicitation registration before you can fundraise there. Online giving = nationwide solicitation. Renewal calendars vary state to state. We run the multi-state filing calendar so your "Donate" button isn't quietly illegal in 17 states.

Uniform Registration Statement; state AG charity bureaus

Real example · community arts non-profit · $800K revenue

$120K of gallery gift-shop and event-rental revenue was being lumped into exempt income. We re-segregated, claimed allowed COGS and direct expenses against UBI, and used the §512(b)(12) $1,000 specific deduction.

$11,400 UBIT eliminated · year one

Plus public-support test rebuilt to keep 509(a)(2) status (was sliding toward private-foundation classification).

What's included

Form 990 / 990-EZ / 990-N / 990-T

All required schedules: A, B, C, D, F, G, J, K, L, M, O, R. Public-inspection version separate from donor list.

UBIT analysis + silo allocations

Activity-by-activity UBI determination, §512(a)(6) silo computation, NOL tracking per silo.

Donor receipt + 8283 templates

$250+, quid-pro-quo, non-cash, vehicle (1098-C), appraisal coordination for $5K+.

State charitable registration

Multi-state URS filings, annual renewals, exemption confirmations for new states.

Get your 990 on the calendar Talk through your UBI exposure

689-331-5723 · info@zerofusstaxes.com · Same-day response

2024 figures: UBI corporate rate 21% (§11); §512(b)(12) specific deduction $1,000; private foundation NII excise 1.39% (§4940). Three consecutive years of non-filing triggers automatic revocation under §6033(j); reinstatement requires Form 1023/1024 refile. Donor substantiation rules in §170(f)(8) and §170(f)(11) require contemporaneous written acknowledgment and (for $5,000+ non-cash) qualified appraisal. Educational page, engage Zero Fuss Taxes for non-profit tax services.