The financial system for youth sports associations. Force the card so every dollar is visible the moment it moves. Open the whole association to one login. Stand on a free retrospective audit and 25,000 lived sports organizations. The money is provably safe. Never "fraud-proof."
Two years back · No money moved · No board vote required
You didn't volunteer to be an accountant. You volunteered because your kid wanted to play. Someone had to. So you raised your hand at the wrong meeting, two years back, maybe more, and now you carry a million-dollar organization on nights and weekends.
The books live in four places. The chart of accounts looks like Greek. There's at least one team manager running registration through her personal Venmo, and you don't see those dollars until year-end. The board asks where the money is and the answer lives in the operating bank login, the Mercury savings, the GuideStar 990 site, and a spreadsheet on your laptop.
You can't physically show them what they're asking to see. Not because you're hiding anything. Because you're the bottleneck.
And the worst part, the part nobody at the budget meeting says out loud, is that the org down the road just ended up on KARE 11. You're not a bad guy, but you're going to be in the news.
The honest org and the org that got robbed look identical from the outside.
This is not a software problem. It's an infrastructure problem. Excel was built for accountants. QuickBooks was built for businesses. Venmo was built for splitting brunch. The community bank was built for tellers. Not one of them was built for the volunteer treasurer carrying $1.7M she didn't put there. Nobody in this category has been willing to say it out loud. We will.
The card forces visibility. The view ends the bottleneck. The depth handles the niche where the accidental violations live. Then the audit goes back and proves it. That's how the money becomes provably safe. Not "fraud-proof." Never that. The mechanism is the proof.
Decline at swipe. Pre-approved categories clear without intervention. Only the genuinely non-conforming purchase stops. The team manager on Team 4 is not policed. She's given a card that does her work for her, and protects her from the honest mistake that becomes a public one.
We force the card. On purpose. And we're not embarrassed about it. It's the doctor who insists on the treatment. The gift to the volunteer, never the surveillance of her.
Only about 4% of competitors force the card. We're the 4%.
Replaces logging into Lake Elmo, then Mercury, then GuideStar, account by account. Closes the blind Venmo team. Solves the "I can't physically show the board what they want to see" problem permanently.
Your phone in the rink lobby. A parent asks where the tournament fees are. Thirty seconds. You answer. You close the app. You watch your kid skate.
UBIT. 990-T. Charitable gaming. The chart of accounts ships knowing ref fees, ice time, jersey pools, tournament income, and gambling income. Out of the box. Not configured. Sports-native because we lived it.
No banking or bookkeeping competitor in the field reaches this depth. The state of Minnesota takes 35% of charitable gaming and does not wait. We file every month.
Two years back. No migration. No money moved. No board vote. The audit is the only ask above the fold. Everything else is the conversation that follows the deliverable.
If we don't find anything worth fixing, you walk away with a clean bill of health and never pay us a dollar. If we find something, and almost every association has been touched by something, you decide what to do about it. Either way, the audit is yours.
Who says no to protecting the kids' money?
The mandate removes the opportunity. The view removes the bottleneck. The audit goes back and proves it. That's the claim we stand behind — not "fraud-proof." The mechanism is the proof.
Run my free auditDecline-at-swipe enforcement. Pre-approved categories clear. Only non-conforming declines. The Venmo blind spot literally cannot exist.
The treasurer sees every dollar. The board sees the same picture. The "I can't physically show them" wound ends here.
Books current through yesterday. Sports-native chart of accounts. Same infrastructure your bank uses. Never "trust the algorithm." A real person certifies every close.
In-app filing. The compliance the generalists don't touch. James in Brooklyn Park can take Wednesday off.
A living, searchable record. The next treasurer inherits a system, not a shoebox. Hand it off cleaner than you found it.
Tournament fees are due in two weeks. Dues don't come in until next month. Stop floating Cooperstown on your personal credit card.
STEP 01
You log in once with read-only credentials. We never move money. We never touch your accounts. We pull two years of transaction-level activity across every connected account.
STEP 02
Off-policy purchases. Round-dollar transfers to personal accounts. Vendor duplicates. Pattern anomalies. Cross-referenced against the 22,495-org IRS-990 dataset and the typical youth-sports baseline.
STEP 03
Risk-ranked findings. Recommended next actions. Plain English. A 30-minute walkthrough with a Sport Ledger practitioner. Never a sales rep. We answer your questions. We do not pitch you.
Twenty-five thousand sports organizations passed through our SportsEngine years. We watched the front end of youth sports attract investment while the back end was left to rot. Twenty-two thousand four hundred ninety-five youth sports nonprofits file 990s in this country. We have all of them in a dataset. We know the pull-tab night at the bingo hall. We know the Lake Elmo bank lobby. We know the 6 a.m. ice slot.
Collin Bushman is the sitting treasurer of SAHA, the Stillwater Area Hockey Association, in Lake Elmo, MN. He inherited a $1.7M organization with no handoff. A laptop, a folder of passwords, and forty-two separate bank accounts. He floated tournament fees on his personal card. He's our co-founder. The customer is the founder. The founder is the customer. That's not a marketing line. That's his calendar.
"Almost every association has been touched by it. They just don't say it out loud." Workshop voice · Cultural Architecture §1
"He literally can't physically show us what we want to see. It's logistically impossible because no tool ties it all together. So a single login for full transparency of all accounts? Yes." Speaker 5 / Justin · workshop transcript
No. Nothing is. Anyone who tells you their product is fraud-proof is the wrong vendor. The day a vendor tells you their product is fraud-proof is the day you should stop trusting everything else they said. The money is provably safe. The mandate removes the opportunity. The view removes the bottleneck. The audit goes back and proves it. That's the claim we'll stand behind. Not the other one.
No. The mandate is the gift to the volunteer, never the policing of her. Pre-approved categories clear at the register. Only the genuinely off-policy purchase declines. The team manager on Team 4 is not surveilled. She's given a card that does her work for her, and protects her from the honest mistake that becomes a public one. The card is the doctor who insists on the treatment.
No. Keep the bank. Their name is on the jerseys. The branch manager's kid plays in your program. We sit on top. The sponsor stays. We never ask you to tell a sponsor and a friend that you're done with them.
Start with the audit. It's free. Two years back. No migration. No money moves. No board vote. You get a board-ready PDF. You decide what to do about it. We don't ask for the $3M until you've already seen the engine work on your own data.
A named human practitioner certifies every close. Same infrastructure your bank uses. Audit trail you can read. We're the integration, not the replacement. The bank still holds your money. "Trust the algorithm" is not a sentence we want you to defend in a board meeting either.
Whatever's there. Read-only Plaid connect. Two years of association banking activity run through the same exception-detection engine that powers our daily close. Findings delivered as a board-ready PDF with risk-ranked items and recommended actions. A 30-minute walkthrough with a Sport Ledger practitioner. Never a sales rep. If we find nothing, clean bill of health. If we find something, you decide what to do about it.
For the Starter tier, yes. Starter sits below the threshold most boards require for a vendor decision. For Association tier, the Board Vote Pack does the work for you. A slide deck with the audit findings, the cost math, and a one-page Q&A you can run as-is at the next meeting.
Starter $3,000–$5,000/yr. Association $6,000–$9,000/yr. Pro $10,000–$15,000/yr. All-inclusive. No mandatory QuickBooks on top. No tax add-on surprise. Compare against the $18,500–$25,850 a year SAHA was paying for QuickBooks, the regular CPA, the pull-tab CPA, the pull-tab audit firm, and the pull-tab tax preparer. We replace that for 45–57% less. The audit's free, no matter the tier.
White-glove migration is included. The chart of accounts gets ported. Historical transactions get rebooked. Prior-year close gets verified. Average migration runs four to six hours. We eat it. You don't lose what you've already built. You just stop fighting it.
We file every month. The chart of accounts already knows what charitable gaming income is. The state of Minnesota takes 35% and doesn't wait. We know. We built for that. James in Brooklyn Park is a fine accountant. He's also expensive and only takes calls before 4 PM. You don't need him for this anymore.
The audit deliverable lands within five business days of the read-only Plaid connect. The full migration is paced at your speed. Books-first migration in under five business days. Bank and card migration at the customer's pace. Nobody loses a Saturday to a software rollout.
Ninety-day "safe books" guarantee on paid tiers. If after ninety days the books aren't closing daily, the team cards aren't stopping the off-policy purchase, and your board can't answer where are we, how much is in savings, are we current on our filings in thirty seconds flat, we refund your first-year subscription in full and help you migrate back. No questions. No fine print.
It's not a tool. It's a financial team in your pocket. The audit takes fifteen to twenty minutes of your time to set up and produces a deliverable instead of consuming one. White-glove migration. Named practitioner. From 200 hours to 10. Books still clean.
The Treasurer Transition System is a living, searchable record. Vendor passwords, the reason a line item is coded the way it is, the calendar of state deadlines, the conversation with the outside CPA about the pull-tab filings. All of it documented as you do it. The next treasurer inherits a system, not a shoebox. You become the first treasurer in your association's history who hands off a living record.
The bank still holds your money. Sport Ledger sits on top of the regulated banking stack via our BaaS partner. Read-only connections to your existing accounts during the audit. SOC 2 controls and bank-grade encryption. Same infrastructure your bank uses, because that's where your money already is.
Crowded validates the market. It does not own it. Their cards are opt-in. Ours are required. They don't have UBIT or 990-T. We do. They don't offer a free retrospective audit. We do. They're horizontal nonprofit banking. We're sports-native. Same room. Different floor. See the full comparison →
The audit takes fifteen to twenty minutes of your time to set up. The deliverable is in your hand within five business days. No money moves. No vendor switches. No board vote required. If the audit finds nothing, you walk away with the board-ready document you've never been able to produce yourself. If it finds something, you find out before the next board meeting, not on the local news.
Run my free auditTwo years back · No commitment · 22,495-org IRS-990 dataset · Board-ready PDF