Historical Perspective 

During the 1970’s and 1980’s, long-term, fixed-rate church financing was one of the most, if not the most popular method of financing church expansion in America. This was primarily due to ever increasing interest rates during that point in time. Church finance companies proliferated. The president and founder of many church finance companies during the period were well intentioned ex-pastors and ex-ministers who were first introduced to church financing when the congregation they formerly led decided to issue Church Bonds to finance their church.

These ex-pastors and ministers were experts in preaching, teaching, motivating and pastoring. However, they lacked formal education, training and experience in finance and financing principles. As a result, the late 1980’s ended with several well-known churches unable to repay their debt due to “over-financing” and “betting-on-the-future”.

During 1987, as part of a group of experienced businessmen employed in the Church Finance Industry, we became disillusioned and disappointed over the “less than professional” methodology used to evaluate churches.  We believed a church should never be put in a financial situation that could jeopardize its ministries or its existence!

Therefore, we committed to create a company that applied sound business financing principles to evaluate the creditworthiness of churches so churches could make better decisions. Although Christians ourselves, we believed any church investment should be based upon analytical evaluation instead of upon religious or denominational ideals and coercion.