Funding Your Church Initiatives

A new way to fund what your congregation cares about most.

If you have spent any time on this site, you have read about the Member Reserve and how CoSpark’s commonwealth model turns everyday contributions into distributable wealth. You may have read about Initiatives and how groups of Members pool their participation to generate Boost Payments for a shared cause. This article is about a variation of that structure built specifically for churches to create a new, recurring funding stream without asking your congregation to give more.

The people who care about your church already give what they can. The same families show up every Sunday. The same names appear on every pledge card. The people who give the most are often the ones who can afford it least, and the people who could give more are already stretched across mortgages, tuition, and retirement savings. This program works differently. It asks them to set aside new contributions, and it turns that participation into real money for the ministry they believe in.

In Short: Your Funding Group contributes together for your church. The contributions are tracked as Points for the full 60-month cycle. Participants who are CoSpark Members see them in their Member View.

The church receives monthly corporate-funded payments generated by that participation. After 60 full months, every dollar can be redeemed on request by the people who placed it.

How It Works

You organize a group of people connected to your church. Each person commits to setting aside a monthly amount, above and beyond their existing tithing and giving. The group accepts a General Member Agreement with CoSpark, and contributions are tracked as Points for the full 60-month cycle.

Because the group is participating in the CoSpark commonwealth, CoSpark sends a portion of its revenue directly to the church each month as a corporate-funded payment, called a Boost Payment. The contributions are tracked as Points. The funding your church receives comes from CoSpark-generated revenue.

After 60 full months, the contributions can be redeemed in full on request. The church keeps everything it received. The group can then decide together whether to start a new cycle.

Step 1 — Group funds their participation together. Participants set aside new monthly contributions into a CoSpark reserve balance.

Step 2 — CoSpark generates revenue.

Step 3 — Church receives Boost Payments. A portion of that revenue flows to your church as monthly corporate-funded Boost Payments.

Step 4 — Participants get every dollar back. After 60 full months, 100% of contributions can be redeemed on request. The church keeps all it received.

Where the Funding Comes From

This is the question you will be asked most often, and you need to be able to answer it clearly.

CoSpark is a commonwealth: a network of businesses and members building financial strength together. CoSpark distributes a portion of its revenue back to participants and the causes they support.

When your group contributes, you become part of that commonwealth, and a portion of CoSpark-generated revenue flows to your church as a Boost Payment.

The participants’ contributions are recorded as Points throughout the cycle, and the dollars they contributed can be redeemed in full on request when the cycle ends. The funding your church receives comes from CoSpark-generated revenue.

The participant’s money creates the reserve foundation that enables CoSpark to generate more business revenue from acquisitions and lending.

How the Group Works

This program is built around groups where the members operate as one, not as lone individuals. That structure is deliberate, and understanding it will help you explain the program to others.

Forming the Group

You gather a group of people connected to the church who want to participate, and the group can start with as few as five people. You choose a name, appoint yourself or someone else as the group leader, and accept a General Member Agreement (GMA) with CoSpark through an Advisory Board Member (ABM).

The Funding Group itself becomes a corporate Member of CoSpark. You organize it for the church, and it runs the Initiative on the church’s behalf. The church doesn’t own or run the group. It joins CoSpark separately as an Organization member to receive the Boost Payments. Each participant commits to the group and, in turn, the group commits to CoSpark.

The Corporate Commitment

The group makes a total monthly commitment representing the combined amount all participants will place. One person might commit $25, another $100, another $200. While each member’s amount may differ, every participant’s commitment counts toward the group’s total, and the group succeeds together.

If a participant drops out, the remaining members either absorb the difference or recruit new participants, because the group is responsible for maintaining its total commitment. That shared accountability keeps the funding consistent and gives the structure its durability over the full cycle.

The Group Leader's Role

As Group Leader, you carry real responsibility. You organize the group, communicate with CoSpark through your ABM, manage the commitment, and keep the group’s records of each participant’s contributions. You serve as the bridge between the group and the church’s leadership. When the first corporate-funded payment arrives, you are the one who walks it in and explains what it represents. At Month 61, you facilitate redemption for participants who aren’t CoSpark Members.

What Your Church Receives

Here is an example of what happens with a group that places $1,000 per month.

First 12 Months: the Enhanced Rate

For every $1,000 the group places, CoSpark sends $500 in Boost Payments to the church. This enhanced first-year rate (contribution divided by 2) is CoSpark’s incentive to help new groups build early momentum, and it means your church sees meaningful funding from day one.

Months 13–60: the Standard Rate

After the first year, the rate adjusts to the standard formula used across CoSpark’s network. For every $1,000 placed, the church receives approximately $308 (contribution divided by 3.25). The expectation is that the group has grown by then. More participants means more total placement, which can offset or exceed the rate change.

Month 61: Redemption

If a participant is also a CoSpark Member, their Points are recorded on their own Member profile and redeemable directly to them on request. For participants who are not CoSpark Members, the Funding Group is the Member of record. It joins CoSpark as a corporate Member under the General Member Agreement, accepted by its Group Leader. On request, CoSpark redeems to the group, and the group distributes to each participant according to its own records. The church keeps everything it received throughout those five years.

Here is what that looks like over a full cycle:

	Amount
Group monthly placement	$1,000
Year 1: Boost Payments to church ($500/mo × 12)	$6,000
Years 2–5: Boost Payments to church ($308/mo × 48)	$14,769
Total received by church over 60 months	$20,769
Total placed by group over 60 months	$60,000
Redeemable by participants in dollars at the end of the cycle	$60,000

Read that last line again: The participants placed $60,000 over five years and received all of it back. The church received $20,769 in new funding that came from CoSpark’s corporate revenue, never from anyone’s pocket. That is the math at a fixed $1,000 monthly placement, and the numbers grow as the group grows.

A Walked Example: Grace Community Church

David, a deacon at Grace Community Church, has watched the church struggle with the same funding gap for years: the ministry keeps growing, but the money comes in at roughly the same pace it always has. The church needs to replace the aging HVAC system in the fellowship hall and repave the parking lot, and the price tag is $45,000. A traditional building fund drive might raise a third of that. The rest would take years of incremental saving.

David reads about CoSpark’s Funding Groups and decides to organize one for Grace Community, starting with 12 families who are already invested in the church’s future. He explains the concept: set aside what you can each month as a new contribution. The contributions are tracked as Points for the full 60-month cycle and redeemed in dollars after 60 full months. CoSpark will send corporate-funded payments to Grace Community based on the group’s participation.

The 12 families commit to an average of $85 per month each, putting the group’s total monthly placement at $1,020. David accepts the General Member Agreement with the help of an ABM, names the group, and contributions begin.

Month 1

The group places $1,020, and CoSpark sends $510 to Grace Community as the first Boost Payment. David walks the check into the pastor’s office.

Month 6

The group has placed $6,120 in total, and Grace Community has received $3,060 in cumulative Boost Payments. The pastor is starting to notice a pattern: this money keeps arriving month after month, and nobody in the congregation has given less to the church as a result.

Month 13

Word has spread, and the group has grown to 18 families with a monthly placement of approximately $1,530. The rate has shifted to the standard formula, but the larger group means the church receives roughly $470 per month, which keeps the funding close to the first-year pace.

Month 61

The participants request redemption, and every dollar is returned exactly as committed. Grace Community has received well over $25,000 in cumulative Boost Payments across the five-year cycle, and the facilities upgrade was funded without a single dollar coming from anyone’s existing tithing and giving.

“We’re starting cycle two. Same money, new round of funding. Who else wants in?”

The long view: A second cycle with the same contributions generates another full round of Boost Payments, and a third cycle does it again. Over 15–20 years, the same $60,000 in participant contributions could generate well over $60,000 in cumulative funding for the church, and every contribution can still be redeemed dollar for Point on request after each 60-month cycle. That is what cyclical deployment looks like.

A Critical Consideration

Every dollar placed with CoSpark must be “new money”

Every dollar placed with CoSpark must be “new money” — not redirected donations or money pulled from what someone already gives to the organization. It should be new contributions, set aside in addition to the support the church already receives.

If participants reduce their existing tithing and giving to fund their CoSpark commitment, the church loses on one side what it gains on the other. The math still works, but the trust does not, and trust is what makes this model sustainable over multiple cycles.

If someone cannot do that without reducing their existing support, they should wait until they can. Protecting the church’s current funding base matters more than growing the group quickly.

Getting Started

If you are ready to organize a group, here is the practical path.

Step 1: Identify your core group. Start with people who already care about the church and who can set aside new contributions each month. Five committed participants is enough to launch. Ten is better.

Step 2: Explain the concept clearly. Every participant needs to understand three things: their contributions are recorded as Points and can be redeemed in dollars on request after 60 full months; CoSpark sends corporate-funded Boost Payments to the church based on the group’s participation; and this is new contributions, not redirected tithing and giving. If someone cannot commit new money, they should not join the group.

Step 3: Choose a name and accept the General Member Agreement.

Work with an Advisory Board Member (ABM) to accept the GMA on behalf of the group. The ABM is your guide through the process and your ongoing point of contact with CoSpark.

Step 4: Establish the group’s total monthly commitment. Each participant commits what they can sustain for the duration of the cycle, and the group’s commitment is the combined total of each member’s amounts. Your ABM will help coordinate the next steps.

Step 5: Begin contributions and deliver the first payment. Once the group is active and the first Boost Payment is generated, bring it to the church’s leadership personally. Let the check do the talking.

Step 6: Grow the group over time. After the first year, the per-dollar rate adjusts, so growing the group is the primary lever for maintaining or increasing the monthly payments. Talk about what the group is accomplishing, invite people in as they show interest, and let the results speak for themselves over time.

Frequently Asked Questions

Does the church sign the Funding Group’s agreement?

No. The General Member Agreement is between the Funding Group and CoSpark, and the group carries its own commitment. The church joins CoSpark separately as an Organization member to receive the Boost Payments.

What exactly is the reserve?

The reserve is a recorded balance in the CoSpark ledger. Contributions are tracked as Points, and the dollars contributed can be redeemed in full on request at the end of the cycle. The Boost Payments come from CoSpark-generated revenue.

What does CoSpark get out of this?

CoSpark distributes a portion of CoSpark-generated revenue to participants and their designated causes, and retains a portion as operating revenue. Every dollar is recorded as Points in the CoSpark ledger, and the dollars contributed can be redeemed in full on request at the end of the cycle. The Member Reserve article covers the reserve in detail, and an ABM can walk through the specifics.

Why not just donate the money instead?

Because donating $60,000 costs someone $60,000, while placing that same amount in a CoSpark reserve directs $20,000 in Boost Payments, funded by CoSpark-generated revenue, to the church, and the participants can request to redeem their contributions after 60 full months.

What if people stop tithing and put that money here instead?

Every participant commits from the outset to use new contributions, separate from their existing tithing and giving. This expectation is set clearly from day one and reinforced throughout the cycle. If regular support to the church changes, the group addresses it immediately.

What if someone drops out of the group?

The remaining members absorb the difference or recruit new participants to fulfill the original commitment or exceed it. The group’s original commitment is the floor, and CoSpark requires it to be met for the duration of the cycle. Money already placed by any participant stays tracked as Points toward redemption after 60 full months.

Why is the first-year rate higher?

The enhanced rate (contribution ÷ 2, compared to ÷ 3.25 in years two through five) is CoSpark’s incentive for new church groups. It ensures meaningful funding from the start, which builds confidence for everyone involved.

Can we start small?

Yes. A few people placing $50 a month each generates real funding from month one. Start with the people who understand the model and are ready to commit, and let the group grow from there.

What happens after 60 months?

In Month 61, the contributions can be redeemed in dollars on request. Participants who are CoSpark Members request redemption from their own profile. For everyone else, the Group Leader facilitates redemption through the Funding Group. The group can then decide together whether to start a new cycle, generating a new round of Boost Payments. Over multiple cycles, the cumulative benefit to the church can far exceed what any single fundraising effort could produce.

One More Thing

The people who support your church want to do more. Most of them already give what they can, and they would give more if they could do it without falling behind on their own obligations. This program gives them a way. It asks them to contribute, and it converts that contribution into sustained funding for a ministry they believe in.

The funding is real. The structure is sound. The math is on the table. And the only thing it asks of you is a willingness to organize a group and let the results build the case.

Form a group. Fund your church. Redeem every Point.

Set aside new contributions together. Every dollar is tracked as one Point and can be redeemed dollar for Point on request after 60 full months. The church receives Boost Payments throughout the cycle. Nobody gives anything away, and the funding can continue cycle after cycle. That is what a commonwealth makes possible.