Comprehensive. Coordinated. Creative.

BGW Financial

Funding Solutions Analysis

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With a heart for the expansion of ministry, we are ready to serve you with comprehensive, coordinated and creative funding solutions. We specialize in helping Christian leaders make biblical, responsible stewardship decisions regarding how to fund their capital projects.

Comprehensive

BGW | Financial combines and sequences financing options into a multi-tiered master plan that lowers interest rates, reduces loan amounts and beats inflation by starting your expansion/building project or loan refinance as soon as possible.  This funding master plan covers the entire spectrum of ministry funding needs, including fundraising forecasts, the availability of conventional loans and even the potential for member bond financing. 

This funding master plan provides a clear picture of the Total Funding Capacity (TFC) of your ministry.  BGW | Financial is unique in its coordination of all three of these important funding methods. Other funding institutions typically only specialize in one method, which limits your funding opportunities. The comprehensive approach of BGW | Financial brings the best value to churches, Christian schools and non-profits.

Coordinated

As an integrated element within the BGW Services network that includes architects, engineers, building contractors, planners, financial consultants and material suppliers, you’ll experience an efficiency rarely seen in the financial industry. Every aspect of your project is planned under the same roof and coordinated to meet your ministry goals and objectives.  Through consultation with the other key members of the BGW Services team, we are able to determine whether funding sources are sufficient to meet the funding needs of the project.

If the needs are greater than the sources, then a funding gap exists.  At this point, we seek to work and walk with ministry leaders in the stretch of faith with a view to how God might get glory in funding the gap between needs and sources.  We view this as an iterative, looking-forward-in-faith consultative partnership process where we seek to hear from God with the leaders on how to proceed in God’s way with the project.  We help our clients think creatively about how to fund the gap: value engineering discussions with other professionals involved in the project (i.e., architects, builders, engineers, capital campaign experts, etc.).

Creative

Through our extensive church lender portfolio, we have identified the financial institutions that enthusiastically serve local churches & ministries. We have sought out those institutions that want to finance Kingdom growth and the capital expansion needs of churches. Each new lender adds a unique dimension to the matrix of available options for church loans insuring your ministry gets the very best available from our lenders from across the nation.

Our unique network of lenders includes; Wall Street Investment Banks, National and Regional Banks, Church Bond Finance Investment Bankers, Credit Unions, Christian Financial Institutions, and others. Why let a single church lender compete to serve you when you can have dozens of church lenders competing to serve your ministry loan needs?

BGW Financial focuses on creating a win-win situation for all parties involved, including the church, the investors and the financial institution.  Key strategies employed by BGW | Financial to achieve your financing goals include:

•   internal private placement - Small group of church members privately finance the project using mortgages as security (usually first trust deed)

•   internal church placement - Church membership finances long-term debt through a church bond issue

•   external private placement - Long-term church debt is financed directly with trust, private equity fund, mutual fund or insurance company

•   external public placement - The investing public is offered the opportunity to finance the church’s long-term debt through an externally focused bond issue

•   combination & Tax Exempt financing - In some cases, a combination of financing options or tax exempt financing is utilized to meet unique needs or to maximize tax benefits.

In some circumstances, a ministry may have sufficient internal capital resources to fund its project with what we call stewardship gifts and stewardship investments.  This can be particularly helpful in situations where the ministry may not be able to qualify for enough conventional or traditional bond financing to fund the sources needed to complete the project.  A ministry may also be able to structure its own creative financing for the project.  This is what we call “member-funded creative financing.” 

To get started today with your free funding solutions analysis, contact our Program Manager, Scott Griffin, today at 801-409-1047 or by email at sgriffin@bgwservices.com.