For Charities & Churches

Your mission deserves a funding model that doesn’t run on exhaustion.

Sustainable support, organizational reserves, and community — built around what you’re already doing.

You started this work because the need was there. A community needed feeding. A congregation needed shepherding. A cause needed someone willing to show up, year after year, whether the budget cooperated or not.

Your mission is strong, the challenge is the funding model. Campaigns that peak and fade. Donors who give generously until they can’t. Revenue that moves with the calendar, the economy, and circumstances you can’t predict. And somewhere in the middle of all that, your team spends more time raising money than doing the work the money is for.

CoSpark helps you change that equation by allowing your supporters to build their own financial strength and direct ongoing resources to your organization at the same time. Their reserves stay theirs. Your organization receives CoSpark-funded support tied to their participation. The giving doesn’t stop. It gets a foundation underneath it.

The Structure

A funding model built on participation, not persuasion.

Your supporters save for their future. Your organization receives ongoing support with far less effort.

Here’s how it works.

Your organization joins CoSpark as an Organization member. Your supporters — congregants, donors, volunteers, community members — join CoSpark individually and form an Initiative group tied to your organization.

Each supporter contributes to their own Member Reserve on a schedule that fits their household. That money stays completely theirs: held intact, tracked as Points, redeemable at maturity with a 5% bonus. They’re building their own financial foundation while they participate.

What changes for you: each contribution generates a Boost Payout funded from CoSpark’s corporate revenue, and in the Initiative model, that Boost Payout flows directly to your organization. Every month. More predictable, structured and tied to your supporters’ participation instead of a campaign cycle, seasonal giving trend, or the emotional energy of an annual appeal.

Your supporters keep what they put in and redeem their full reserve at maturity with a 5% addition. Your organization receives ongoing Boost Payout support the entire time. Nobody is giving anything away. The structure creates something new.

What Your Supporters Keep

Reserves held intact

5% maturity bonus. A financial foundation of their own.

What Your Organization Receives

Boost Payments from corporate revenue

Tied to participation. Ongoing. Predictable.

The Connection

CoSpark links both sides

Your supporters build their future. Your organization receives structured support the entire time.

Your Foundation

Your organization can build reserves too.

The same model your supporters use — applied to your organization’s financial health.

The Initiative model directs support from your community to your organization. But your organization can also participate directly in the Member Reserve Program as a corporate member.

Monthly contributions via ACH, at a level that fits your operating budget. Your reserve is held intact. Each contribution generates a Boost Payout funded from corporate revenue, delivered to your organization’s account. At 60 months, you redeem your full reserve plus a 5% maturity bonus.

For an organization that has always lived quarter to quarter, this is what building a real reserve looks like. Predictable, transparent, and fully under your control. The effective annual value of participation, when you participate consistently and account for the time value of money, works out to approximately 16–17%. The formula is published. We want you to check it.

After maturity, your organization can pledge its reserve as collateral for a low-cost CoSpark loan and begin a new cycle. The financial foundation you build in the first five years carries forward into the next.

Step 1

Your organization contributes.

Monthly via ACH, at a level that fits your operating budget.

Step 2

Boost Payments flow to your account.

Each contribution generates a Boost Payment funded from corporate revenue, delivered to your organization.

Step 3

Redeem your full reserve + 5%.

At 60 months, your organization redeems its full reserve plus a 5% maturity bonus. Then pledge it as collateral for a loan and begin a new cycle.

Where Participation Takes Your Organization

CoSpark Pathways

The Initiative model and the Member Reserve Program are where most start. From there, CoSpark Pathways open up to your organization: capital access, asset acquisition, and community commerce.

Acquisition Circles

Build toward what your organization needs — together.

Need a building? Equipment for a program you’ve been scaling with duct tape and prayer? An Acquisition Circle is a group of members who form around a shared ownership goal, build participation history together, and work with CoSpark infrastructure to evaluate, structure, and close when a credible opportunity appears. For churches and charities, this means your community can build toward a physical asset without a capital campaign that drains your donor base.

Education & Coaching

Stewardship that goes beyond the budget meeting.

Financial education and coaching designed around your organizational challenges, not generic nonprofit management workshops. One-on-one guidance on strengthening your books, building banking relationships, and developing the financial discipline that makes every future funding conversation easier. CoSpark’s coaching works with your leadership where they are, on the questions they’re actually carrying.

From the Community

“We stopped choosing between programs and payroll.”

“Grace Community Church had been running on generosity and momentum for fourteen years. Pastor Elaine Williams and her team of three served about 400 people — food pantry, youth mentoring, a recovery program that had become the most trusted in the county. The work was strong. The funding was exhausting. Same cycle every fall: giving campaign, stretch goal, Sunday announcements. Enough to keep going. Never enough to build a cushion.

Twenty-two families formed a CoSpark Initiative tied to Grace Community. Each set aside what fit their household — most between $25 and $100 a month. Their reserves stayed theirs. And the Boost Payouts generated by their participation started flowing to the church within weeks.

Within a year, that monthly stream had become the most predictable line in the budget. Elaine used it to hire a part-time coordinator for the recovery program — a position she’d wanted to fund for three years. The congregation didn’t feel tapped out. The supporters’ money was still theirs.

Grace Community also enrolled directly in the Member Reserve Program. For the first time in Elaine’s tenure, the church had both a predictable support stream and a growing organizational reserve.

She put it simply: “Our community was always willing. CoSpark gave that willingness a structure we never had. Now their participation funds us every month without costing them a thing.”

Pastor Elaine Williams

Grace Community Church

Common Questions

Does this replace our regular giving and tithing?

No. CoSpark supplements your existing giving, not replaces it. Your supporters’ reserve contributions are separate from their regular donations. The corporate-funded contributions your organization receives from CoSpark are additional support tied to participation activity. They flow alongside your normal giving channels, not instead of them.

Is this a fundraising platform?

No. CoSpark is a member-driven community with structured participation programs. The Initiative model creates ongoing organizational support as a byproduct of your supporters building their own financial resilience. There are no campaigns to run, no donation pages to manage, no giving fatigue to worry about. The support is structural, not episodic.

What does it cost our organization?

Your organization enrolls as a CoSpark corporate member. If you also participate in the Member Reserve Program directly, your contributions stay completely yours and are returned at maturity plus a 5% bonus, with Boost Payments along the way. There are no hidden fees. The Initiative support your organization receives is corporate-funded. It doesn’t come from your supporters’ reserves.

How do our supporters join?

They join CoSpark personally and form an Initiative group tied to your organization. Each person contributes to their own reserve on their own schedule. CoSpark handles the structure. Your organization doesn’t need to manage the program. You receive the support.

What if our supporters need to leave early?

Same terms as any Member Reserve participation: contributions are returned net of Boost Payouts already sent to your organization. The maturity bonus is forfeited. Your organization keeps the Boost Payouts it has already received, and Initiative support adjusts based on active participation going forward.

How is this different from a matching program?

In a matching program, someone writes a check and your donors match it — then it’s over. The CoSpark Initiative model is structural and ongoing. Your supporters participate for 60 months, building their own reserves toward a 5% maturity bonus. Your organization receives payments tied to that participation the entire time. It’s not a one-time match. It’s a sustained funding mechanism.

Your community already has the
commitment. CoSpark gives it a
structure.

You’ve built an organization that serves people. CoSpark was built to serve the ones doing that work, with predictable support, organizational reserves, and a community that understands what stewardship actually costs. The model is published. The math is transparent. And the conversation starts whenever you’re ready.