Jesus said. “So do not worry, saying what shall we eat? Or what shall we 

drink? Or what shall we wear?... Your heavenly Father knows that you 

need them. But seek first his kingdom and his righteousness and all these 

things will be given to you as well.” [Matthew 6:31-33]. 

according to his glorious riches in Christ Jesus”. 

God promised to meet needs but not necessarily the wants 

The guideline provided in Scripture is to give 10% and a church’s “tithe” to the Lord is to give about 10% of its income to missions. 

It doesn’t say that God and the bank will meet our needs but rather God will meet our needs”. 

How can a local church become a light into the world of darkness? 

it is not a sin for a church to borrow money, it’s only a sin to borrow and not repay [Psalms 37:21]. But the emphasis in Scripture is towards minimal debt. 

I would suggest 2 months’ worth of expenses as a reasonable level of savings, and very few churches or 

parachurch organizations have that.

Given that most church leaders have not completed an in-depth biblical study of God’s word on finances 

If you and your church leaders have prayed, read God’s word on finances, and if you believe that God wants your church to take on a mortgage with respect to a building expansion 

Often there are options within the biblical principles with respect to making church financial decisions. Here are some common ways that God can direct us. 

Since they are unknowingly violating God’s financial principles in their personal finances, it is no surprise that they would do the same with the church finances.