Share Financial Services

What Share Financial Services does

Share Financial Services, Inc. is a privately held, FINRA-registered broker-dealer and SIPC member founded in 1970 and headquartered in Addison, Texas. The firm specializes exclusively in arranging long-term, fixed-rate financing for churches, religious schools, and other non-profit organizations — a narrow vertical where traditional banks typically offer only short fixed-rate periods (3-5 years) followed by adjustable rates and balloon payments. Over 56 years of operation, Share has assisted more than 1,400 borrower organizations with over $1.1 billion in aggregate financing, with individual transactions structured at up to $18 million.

The company's core product suite centers on bond programs offered in four variants — Local Placement Issues, Brokerage Options, Firm Underwriting, and Fully Brokered programs — supplemented by construction loans, bridge loans, and loan/bond combination products. All financing is structured to fix interest rates for up to 25 years, eliminate prepayment penalties, and avoid requiring personal guarantors, directly addressing the interest-rate risk and balloon-payment exposure that churches face with conventional bank mortgages. Underwriting criteria include a maximum debt-to-non-designated-contributions ratio of 4x and a debt service cap of 33% of contributions. Bond proceeds are typically secured by real estate collateral.

Share generates revenue through transaction-based fees on bond underwriting and placement, retail brokerage commissions through its in-house brokerage division, and professional services fees for financing consulting. The firm employs approximately 15 people across multiple states, with financial consultants based in Texas, Tennessee, Florida, California, and New Jersey. Distribution is primarily direct, via on-site consultations flown in at no cost to the borrower, with secondary distribution through partner brokers and Happy State Bank for loan/bond combination products. The firm maintains securities registrations in 46 states and is regulated by the SEC and FINRA.

Name

Share Financial Services

Legal name

Share Financial Services, Inc.

Website

https://sharefinancial.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

Share Financial Services is a FINRA-registered broker-dealer founded in 1970 that arranges long-term, fixed-rate bond financing (up to 25 years) exclusively for churches, religious schools, and non-profit organizations across 46 U.S. states.

Ownership category

akta.pro rank

Product category

Church and Non-Profit Financing

NAICS

Portfolio Management and Investment Advice (523940), Miscellaneous Intermediation (523910)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Investment Advice (6282)

akta.pro primary industry

Fixed Income Brokerage (Bonds) (FSAEACAJ)

Keywords

• Church bond financing
• Non-profit lending
• Investment banking services
• Construction loan financing
• Fixed rate bonds

Headquarters

HQ city

Addison

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Bond Program Fees: Share Financial Services generates revenue through arranging and administering church bond programs. As a registered broker-dealer, they earn fees for underwriting and facilitating bond issuances for churches and non-profit organizations seeking long-term fixed-rate financing.
2. Financing Services: Revenue from providing construction loans, bridge loans, and loan/bond combinations to churches. These financing products are structured to eliminate interest rate risk and provide up to 25-year fixed rate financing.
3. Consulting Services: The company provides investment banking consulting to churches and non-profit organizations, offering financing analysis and strategic advice on capital structure and debt management.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Share Financial Services is an investment banking firm that arranges and administers long-term fixed-rate bond financing programs for churches and non-profit organizations. Its offerings include Bond Programs (Local Placement, Brokerage Options, Firm Underwriting, and Fully Brokered), Construction Loans, Bridge Loans, and Loan/Bond Combinations, complemented by investment banking consulting services for financing strategy and program design.

Product overview

Share Financial Services is a single-product investment banking firm specializing exclusively in church and non-profit financing since 1970. The core offering consists of Bond Programs (Local Placement Issues, Brokerage Options, Firm Underwriting, and Fully Brokered Bond Programs), which serve as the primary financing vehicle, supplemented by Construction Loans, Bridge Loans, and Loan/Bond Combination products. The company also provides Consulting Services to help organizations design tailored financing strategies. All financing products are designed to provide fixed interest rates for up to 25 years, distinguishing them from traditional variable-rate bank loans. Educational resources including whitepapers are offered as supplementary materials to support client understanding of the borrowing process.

Differentiator

Problem solved

Functional benefit

Products and services

• Bond Programs Long-term, fixed-rate bond financing for churches and non-profit organizations, offered through four structures: Local Placement Issues (sold primarily to church members), Brokerage Options, Firm Underwriting, and Fully Brokered programs. Bonds are secured by real estate with interest rates fixed for up to 25 years.
• Construction Loans Financing that eliminates the need for separate construction loans and permanent loans, removing interest rate risk between the construction and permanent financing phases. Loans are secured by real estate with funding advances scheduled according to construction progress.
• Bridge Loans Short-term loans designed to be repaid with bond program proceeds, typically used when there is an immediate funding need such as a building purchase deadline.
• Loan/Bond Combinations Hybrid financing structure combining a Local Placement bond issue with up to 50% of financing funded through a conventional bank loan, offering fully amortized fixed interest rate financing for up to 25 years.
• Consulting Services Financial consulting for churches and non-profits including financing strategy development, underwriting analysis, and program design tailored to organizational needs. Provided as no-cost, no-obligation on-site consultations.

Quantifiable outcome

• $1,100,000,000 in total financing assisted to over 1,400 churches and non-profits
• +3 more outcomes

Named customers17 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Moss Adams, LLPcoreOthersMoss Adams, LLP serves as Share Financial Services' auditor, providing independent financial auditing services from their Dallas, Texas office.
• Happy State Bank of TexascoreStrategic or Co-development PartnerHappy State Bank of Texas handles Share Financial Services' banking needs and provides conventional loan products that complement bond programs, enabling loan/bond combination financing where up to 50% of desired financing can be funded through conventional loans.
• Gray Reed, Attorneys & CounselorscoreOthersGray Reed provides legal representation for securities issues, assisting with bond program documentation and regulatory compliance from their Dallas, Texas office.

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Ziegler: Ziegler is an investment bank with long-standing specialty practices in religious and non-profit financing (Ziegler Wealth Management, Senior Living Finance, and宗教/faith-based advisory), making it the closest direct peer to Share in serving church and non-profit capital needs.

Emerging players

• Lument: Lument is a real estate finance company with a religious and non-profit lending practice, including bridge and permanent financing for churches and faith-based organizations—directly overlapping with Share's loan/bond combination offerings.
• Capital Impact Partners: Capital Impact Partners is a CDFI providing financing to non-profits and mission-driven organizations; it competes with Share in the broader non-profit facility finance market, particularly for community and faith-affiliated borrowers.
• Greystone: Greystone is a commercial real estate finance and advisory firm with experience in affordable housing and faith-based facility lending; it overlaps with Share's construction/bridge loan products for non-profit real estate projects.

Broad incumbents

• D.A. Davidson & Co. D.A. Davidson is a regional full-service broker-dealer and investment bank with a public finance group that underwrites municipal and non-profit bond issues; it competes in the same fixed-income issuance category as Share.
• Robert W. Baird & Co. Baird is a large employee-owned broker-dealer and investment bank offering fixed-income capital markets and public finance services; it competes for the larger end of municipal/religious bond issuance work that Share targets.
• B. Riley Financial: B. Riley is a diversified financial services firm with investment banking and fixed-income brokerage capabilities; though far larger and broader, its fixed-income advisory practice overlaps with Share's bond issuance and placement model.
• Piper Sandler: Piper Sandler's Public Finance group underwrites tax-exempt bonds for non-profit, healthcare, and religious issuers; it is a broader incumbent in the same fixed-income issuance space that Share occupies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sharefinancialservices
• LinkedInlinkedin.com/company/about

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Share Financial Services