Over the past two and a half years, the Florida United Methodist Foundation has walked alongside churches and ministries facing financial challenges—cash flow shortfalls, urgent repairs, or unexpected expenses. In many of these moments, ministries have turned to their reserves, often liquidating long-term investments with the hope of “paying them back later.” Too often, that repayment never occurs.
While understandable, this pattern puts ministries at greater risk. Savings, built over years with care, are often viewed as an easy solution rather than a last resort. Yet depleting these funds can weaken long-term sustainability and ministry impact. At the Foundation, we believe a more faithful and strategic response is possible—one grounded in transparency, stewardship, and partnership.
A Biblical Framework for Financial Stewardship
Scripture reminds us of the importance of wisdom and foresight in managing resources. 1 Corinthians 4:2 says, “Moreover, it is required of stewards that they be found faithful.” Similarly, Proverbs 6:6-8 encourages us to prepare for lean seasons. Churches are stewards of God’s gifts and called to plan for the future—even when facing immediate pressures.
Financial strain can also tempt us to act out of fear rather than faith. But Philippians 4:19 assures us, “My God will meet all your needs.” Churches can trust in God’s provision and the generosity of His people, especially when financial realities are shared openly and honestly.
Alternatives to Depleting Reserves
There are faithful, practical alternatives to spending down savings. Begin with transparency. Honest communication about financial needs builds trust and often inspires generosity. Many congregations are eager to help when they understand the true need. Matthew 7:7 encourages us: “Ask and it will be given to you.”
Another option is strategic borrowing. The Foundation offers capital loans tailored for churches, with competitive interest rates and terms designed for ministry. These loans provide an opportunity to meet immediate needs while preserving long-term reserves. If accessing reserves is necessary, we recommend that churches adopt a written plan for replenishment, complete with goals and a timeline. A formal vote by the church council or nonprofit board can foster accountability and prevent future depletion.
We’re Here to Help
A financial crisis does not need to lead to financial instability. Churches that respond with wisdom, faith, and partnership often emerge stronger. The Florida United Methodist Foundation is committed to helping you navigate these moments with faithful stewardship.
If your ministry is facing financial strain, we’re here to help.
Reach out to us at development@fumf.org or visit fumf.org to learn more about our loan services, stewardship resources, and consulting support.
Let’s work together to preserve your mission and empower your ministry to thrive—today and into the future.