Churches can generate sustainable revenue by acquiring profitable businesses through for-profit subsidiaries. 35%+ annual returns funding gospel ministry in perpetuity.
Annualized return on business acquisitions vs 10% S&P 500 average
Small businesses changing hands in the next decade (Silver Tsunami)
Down payment via SBA 7(a) loans (90% leverage)
SBA-backed acquisitions still operating after 5 years
Churches face structural funding constraints while 10 million profitable businesses need buyers
Most churches depend entirely on tithes and offerings, which fluctuate with economic conditions, limit ministry capacity, and create perpetual fundraising fatigue. Meanwhile, church reserves sit in savings accounts earning 0.5% while inflation destroys value at 3-4% annually.
The stewardship question: Churches are not called to bury their talents. Reserves sitting idle are not faithful stewardship when productive assets are available that generate 35%+ returns while funding gospel ministry.
Baby Boomers own approximately 10 million small businesses and are retiring en masse between 2024-2034. This creates unprecedented opportunity:
This is Joseph seeing the seven years of plenty. The wise steward acts now.
Churches create separate legal entities that qualify for SBA financing while protecting tax-exempt status
Churches cannot directly obtain SBA loans because nonprofits are excluded. However, churches CAN create for-profit subsidiary entities that qualify for SBA financing.
Focus on recession-resistant businesses with recurring revenue, low owner involvement, and 2.5-4.5x SDE valuations:
These industries share: inelastic demand, recurring revenue, license barriers, and established businesses at reasonable prices.
Exceptional loan terms make acquisitions accessible:
This allows churches to preserve cash, maintain manageable payments, and generate positive cash flow from day one.
Business Profile: $2.5M revenue, $400K SDE, mostly absentee owner working 10-15 hours/week, 60% residential service with 400+ active service contracts.
Acquisition Structure:
Year 1 Cash Flow:
Year 1 Return on Investment: 61.4% cash-on-cash ($110,600 / $180,000)
Post-Loan Payoff (Years 11+): Church receives $369,000/year net (after UBIT) in perpetuity, plus owns a $3.1M business asset.
10-Year Total Value Creation: $1.8M in distributions + $3.1M business equity = $4.9M total value from $180K investment (2,632% ROI / 35.1% annualized)
The projections above assume modest growth. However, churches that reinvest 50%+ of cash flow into marketing, automation, and scaling during the first 5-7 years see dramatically superior returns. A business growing at 12% annually (achievable with proper marketing investment) instead of 5% generates an additional $3M in total value over 10 years.
This is the difference between faithfully multiplying talents and merely collecting rent. We provide comprehensive marketing and scaling support precisely because this reinvestment phase determines whether churches build $3M assets or $8M assets. Steward for multiplication, not extraction.
A proven path from concept validation to nationwide church impact
Acquire 2-3 businesses to validate the model. Raise $400-600K from strategic partners and advisors to demonstrate the for-profit subsidiary structure works with SBA lenders.
What investors get: 20% of net cash flow for 5 years plus 10% equity bonus at Year 5.
Launch comprehensive acquisition support service for churches. Provide entity formation, business sourcing, due diligence, SBA loan support, and post-acquisition stabilization.
Service fee: $22-28K per acquisition. Target: 350 churches over 10 years.
Potential fund structure for multiple church acquisitions with shared due diligence, legal infrastructure, and acquisition expertise. Enables smaller churches to participate.
Status: Future consideration, not current focus.
This is not about getting rich. This is about stewardship and dominion.
God commanded humanity to fill the earth and subdue it. This includes economic activity and productive use of resources. Churches should be centers of cultural and economic influence.
God condemned the servant who buried his talent and praised those who invested and multiplied. Churches sitting on capital while ignoring 35% ROI opportunities are burying their talents.
Joseph built storehouses during plenty to provide during scarcity. Churches need sustainable revenue sources that outlast economic cycles and donor sentiment.
The early church pooled resources and distributed according to need through community assets managed for collective benefit. Business acquisition is the modern equivalent.
Churches with $500K/year in business-generated revenue can:
This is not hypothetical. This is what $500K/year buys. A church acquiring 3 businesses over 10 years can generate this level of sustainable income.
We are seeking strategic partners for Stage 1 proof of concept: investors, advisors, and churches ready to pioneer this model.
30+ pages covering financial analysis, legal structure, market opportunity, risk factors, and kingdom theology.
View Complete Documentation
Investment Minimums: $50,000 for Stage 1 proof of concept.
Timeline: Capital raise closes Q1 2026, first acquisition Q2 2026.
Structure: Revenue participation agreement, not a regulated security.
Comprehensive support from entity formation through post-acquisition stabilization
For-profit subsidiary creation, state registration, corporate governance, tax planning, and UBIT mitigation strategy.
Access to vetted deal flow, financial analysis, market assessment, and valuation guidance.
Comprehensive investigation, financial audit support, legal review, and risk assessment.
Lender selection, application assistance, underwriting support, and closing coordination.
30-60-90 day roadmap, general manager training, systems implementation, and KPI tracking.
We execute digital campaigns, implement automation, and drive measurable growth. Churches investing $3K/month in marketing typically see $100-200K in additional annual revenue within 12-24 months. This creates $2-3M in additional business value over 10 years.