Protection matters
Meet the Needs Today. Protect Your Church From Tomorrow.
Roughly 95% of the churches Trinity places secure lenders with zero debt service coverage covenants.
This means a normal, break-even year will never trigger a failed covenant, a forced renewal, predatory new fees, or a surprise rate hike.
That protection is more critical now than ever before. Consider how drastically the market has shifted:
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The Past (1990–2008): Commercial credit did not tighten a single time over an 18-year period.
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The Present (Post-2008): Commercial credit has already tightened five separate times, with each restrictive cycle lasting at least 6 months and out to 18 months.
Trinity structures your financing specifically, so your church is never trapped in these volatile credit cycles.
Strategy first
We lead with strategy, not a sales pitch.
Every Trinity engagement begins with a deep discovery conversation—not a transaction. Before a single financial product is even mentioned, we take the time to fully understand your church's unique footprint:
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The Essentials: Your current properties (owned or rented), loan balances, interest rates, and monthly payments.
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The Community: Your weekly attendance, total membership, and active giving units.
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The Vision: What your ministry is actually trying to accomplish long-term.
A Fee Structure Built on Integrity
Our compensation is a percentage of the final loan size. This means every time our founder, David Pack, recommends borrowing less, waiting for better market conditions, or buying an existing building instead of building new—it costs him money.
He makes those recommendations anyway. If he will not sign the deal for himself, he will not recommend a church to sign it either.
Because we put ministry before margins, Trinity explicitly rejects secondary-market placements and bond deals, which routinely fleece churches with predatory 7% origination fees.
