Trinity Financial Consulting finances church facility renovations nationwide, with particular experience in the two projects that most often catch churches off guard: roof and HVAC replacement.
Renovation budgets are easy to underestimate, especially on mechanical systems. One church quoted at $400,000 for an HVAC replacement ended up facing a real cost of $1.1 million, spread across 37 units, many of them custom 15- and 20-ton systems. Getting an accurate picture before financing is arranged protects your church from being caught mid-project.
Roof and HVAC replacement are consistently the largest and most underestimated line items in a church renovation. Trinity’s discovery process factors in realistic project costs — not just the number a contractor quotes upfront — before recommending a financing structure.
As with every Trinity engagement, renovation financing starts with a discovery conversation about your church’s balance, payment, and goals. From there, David works to place your renovation financing with a lender structured to fit a church’s actual finances, including, in most cases, without a debt service coverage covenant.
Most commonly roof and HVAC replacement, along with other facility upgrades.
That’s part of what the discovery conversation is for — getting a clear-eyed number before you commit to financing.
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