Trinity Financial Consulting refinances church mortgages nationwide, moving churches out of lenders and loan structures — including debt service coverage covenants — that don’t fit how churches actually operate financially.
Churches operate at or near break-even by design — that’s the healthy model, not a red flag. But under a traditional lender’s debt service coverage covenant, break-even reads as a failure. Commercial credit has tightened five separate times since 2008, after not tightening once between 1990 and 2008, with each cycle lasting six to eighteen months. A church caught in one of those cycles with a failed covenant faces six-month renewals, a fee at every renewal, and a rate that climbs each time — pressure that can eventually push a church out of its own building.
Refinancing starts with the same discovery conversation as every Trinity engagement — understanding your church’s balance, rate, payment, and goals before recommending anything. From there, David works to place your church with a lender that fits how your church actually operates. Roughly 95% of Trinity’s church placements go to lenders that carry no debt service coverage covenant, so the renewal-fee-rate-hike cycle never starts.
Fervent Prayer Church in Indianapolis had great credit and great cash flow — but its bank was still positioned to offer a bad deal. David’s persistence turned it into a different outcome: a refinance that saved the ministry more than $300,000, with payoff projected in under ten years.
In most cases, yes. Roughly 95% of the churches Trinity places end up with lenders that don’t require one.
Typically, six-month loan renewals, a fee at each renewal, and a rate that increases each time — pressure that compounds the longer it continues.
Trinity’s standard starting point is around $500,000, though the firm has structured financing well below that when the need was real.
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