At UI Charitable Advisors, we seek opportunities where purpose meets performance—where capital doesn't just generate returns, but restores lives. We're proud to announce a philanthropic impact investment opportunity in partnership with The Other Side Academy (TOSA)—a nonprofit reshaping the future for individuals coming out of incarceration.
This isn’t a grant. It’s a philanthropic investment—backed by real assets, structured under formal loan terms, and delivering both impact and return.
About The Other Side Academy
The Other Side Academy offers a residential, peer-driven alternative to prison that instills accountability, discipline, and vocational skills. Students commit to a long-term program where they live and work in a structured community.
Their outcomes speak volumes:
84% of graduates are employed
83% remain crime-free
74% remain drug-free
Just 14% recidivism rate (vs. 67% national average)
Self-Funded Sustainability
What makes TOSA even more remarkable is its financial model. The Academy is largely self-sufficient, operating student-run businesses like moving services and thrift stores to fund operations. But as they grow, capital is needed for expansion—especially for revenue-generating assets.
One such need? A new moving truck.
TOSA’s moving business is one of its most successful ventures. Each truck generates approximately $300,000 in annual revenue, and a new truck has a lifespan of at least 7 years. That’s $2.1 million in revenue from one asset—a compelling return on investment, both financially and socially. This impact loan is helping fund that exact kind of high-ROI growth.
As of year-end 2024, TOSA reported:
$59.9 million in assets
$8.3 million in commercial debt
Your Opportunity to Invest in Impact
UI Charitable Advisors is facilitating a philanthropic business loan that allows donor-investors to help TOSA refinance high-interest debt (8% and above) and fund new assets—while generating a dependable return to your UI Donor-Advised Fund (DAF).
Loan Terms at a Glance
Term | Details |
Minimum Investment | $50,000 |
Rate | 4.00% fixed, annual interest |
Term | 5 years |
Repayment | Quarterly payments of principal + interest |
Collateral | Secured by commercial moving trucks (first lien) |
Distribution | Returns paid quarterly to your UI DAF |
Structured Like a Traditional Business Loan
This isn't just an informal pledge—it's a formal secured loan agreement. Key investor protections include:
Collateral: Backed by titled moving trucks with first-priority lien
Prepayment Flexibility: TOSA can repay early, no penalties
Quarterly Payments: Principal + interest go directly to your DAF
Financial Oversight: CPA-reviewed annuals, GAAP compliance
Covenants: Limits on senior debt and material operational changes
Default Protections: Rights triggered by missed payments or financial instability
Mission-Aligned Returns
While the 4% return may be modest in market terms, the social return is unmatched. Your loan helps reduce costly debt and enables mission-critical investments—like a truck that will help men and women leaving incarceration rebuild their lives and generate millions in revenue over time.
Why This Matters
You’re not just lowering a nonprofit’s borrowing costs—you’re increasing its capacity to heal communities, train leaders, and break the cycle of incarceration.
This is how smart impact investing works: real returns, and real redemption. It’s not a donation, but it’s deeply charitable.
How to Participate
Minimum philanthropic investment: $10,000
UI Charitable bundles impact investments under $50,000 into an impact loan with TOSA for $50,000+.
Subsequently, UI Charitable disburses loan repayments back into each UI DAF owner's account.
Returns: 4% interest paid quarterly
Structure: Secured, 5-year loan to TOSA, repaid to your UI Donor-Advised Fund
For more information or to initiate an impact loan, contact UI Charitable Advisors or email impact@uicharitable.org.
