Nonprofits and social enterprises generally lack extra funds to help out if things go wrong. Unlike traditional businesses, it’s hard to develop a rainy-day fund when donors (or investors) expect most of your money to toward changing lives. At the same time, the chance that something will go wrong at some point is all but certain. Open Road Alliance is a philanthropic initiative set up to prevent such scenarios. Since launching in 2012, its provided $13 million in emergency grants or loans to organizations that might have otherwise folded. Read more from Fast Company.