Friendly Loving Opportunities - Flo
Public records show a registered, tax-exempt organization in good standing.
What it says it does
FLO provides food, clothes, furniture and supplies to the homeless and people in need. We inspire men, women and children to instill hope and transform their lives.
- Income
- $893,792
- Spending
- $715,901
- Spent on programs
- 85%
- Reserves
- 4.3 months of spending
- Largest source of income
- donations and private grants, 49%
- Employees
- 0
- Volunteers
- 20
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 70 out of 100. Higher than 34% of charities in its peer group (food and agriculture, $250k to $1m).
Reserves
20 of 35Spendable reserves would cover 4.3 months of spending.
Debt
5 of 20It owes 66% of what it owns.
Living within its means
15 of 15Income exceeded spending by 20% of income.
Income trend
15 of 15Income rose 28% on the year before.
Spending floor
15 of 1585% of spending went to programs and raising each dollar of donations cost 8 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Good: 79 out of 100. Higher than 65% of charities in its peer group (food and agriculture, $250k to $1m).
Independent board
5 of 251 of 3 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (1)
- $621,357 spent. Weekly Mobile Outreach: FLO moves into the Baltimore metro areas that are experiencing the most hardship or hopelessness. our mobile out- reach team is on the front line of helping people who are in need. Every week our team goes directly to homeless encampments, parks sidewalks, abandoned homes, underpasses, and the streets of Baltimore Metro area to provide services to people who are without housing. The FLO apprenticeship program employs men from hardships to assist with the furniture program. Individualized training plans and timeline are designed for each man and key milestones are identified to help equip them for employment, housing and stability upon completion of the program. The apprentices receive employment and training to become competent in transportation, coordination, restoration, packing and storage of items, customer service and project management. FLO collaborates with various recovery centers and shelters in the community. FLO teams u with case managers to find men who qualify and candidates are matched to help restore, wrap, load and move furniture. FLO assists individuals who have experienced hardships but who are in need of furniture. Individuals can include those who have experienced domestic violence, the formerly homeless, natural disaster survivors low-income senior citizens, and others who may have lived with severe life challenges. The furniture helps to create a dignified setting for those in need, and it enables them to become established and achieve stability in their new or existing home.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since July 2015.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.