The Solomon Foundation

What The Solomon Foundation does

The Solomon Foundation (TSF) is a 501(c)(3) church extension fund headquartered in Parker, Colorado, that intermediates capital between individual and institutional investors and congregations within the Restoration Movement. Founded by Doug Crozier and now operating as the third-largest church extension fund in the United States, TSF accepts deposits through No Term, Time, and Anytime Access investment certificates, retirement (403b) accounts, and planned-giving vehicles, and redeploys those funds as purchase, refinance, construction, and line-of-credit loans to churches. As of recent reporting the organization manages approximately $1.2 billion in total assets, has funded $963 million in cumulative church loans, serves 7,300+ investors across 11,000+ investment accounts, and works with 405 current and 850+ partner churches in all 50 states.

The foundation's operating platform combines a deposit-and-loan product suite with investor-facing technology — most prominently the Online Access 2.0 account portal — and a distribution layer built around regional vice presidents and recurring TSF Weekend events. The content and engagement layer includes the TSF Connect platform and podcast, intended to deepen relationships with Restoration Movement audiences. Loans are underwritten directly to church entities for real-estate and operational financing, with no consumer or non-church commercial lending disclosed.

TSF's revenue model is the classic church-extension-fund spread: it earns the differential between yields paid on investor certificates and rates charged on church loans, supplemented by fees from retirement-account administration, Donor Advised Fund services, and planned-giving programs. Distribution is relationship-driven via a national field team and denomination-specific events rather than digital marketing. Leadership transitioned in March 2025 when Joshua J. Means succeeded founder Doug Crozier as CEO, marking a generational handover at the top of the organization.

Name

The Solomon Foundation

Legal name

The Solomon Foundation

Website

https://thesolomonfoundation.org

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

The Solomon Foundation is a Parker, Colorado-based 501(c)(3) church extension fund that intermediates deposits from 7,300+ investors into loans for 850+ Restoration Movement churches across all 50 states, managing roughly $1.2 billion in total assets as the third-largest U.S. church extension fund.

Ownership category

akta.pro rank

Product category

Church Extension Fund / Faith-based Financial Services

NAICS

Grantmaking and Giving Services (81321), Religious Organizations (8131)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Community Foundations (BPAGAKAB)

Keywords

• Church extension fund
• Faith-based investments
• Church mortgage lending
• Donor Advised Funds
• Restoration Movement financing

Headquarters

HQ city

Parker

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Interest Spreads: TSF raises investment dollars from individual investors, congregations, and organizations within the Restoration Movement at fixed APY rates. These funds are then lent to churches at negotiated interest rates for property acquisition, construction, and refinancing. The spread between investor returns and loan interest generates revenue.
2. Retirement Account Management: TSF offers Traditional IRA, Roth IRA, SEP/SIMPLE IRA, 403(b), and Inherited IRA accounts. Revenue is generated through interest rate spreads on retirement account investments.
3. Planned Giving Services: TSF generates revenue through Charitable Remainder Unitrust (CRUT), Legacy Fund (Donor Advised Fund), and Field of Interest Fund management. The 20x Factor model allows TSF to originate more ministry loans from charitable contributions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

The Solomon Foundation operates as a church extension fund that raises investment dollars from individuals, congregations, and organizations within the Restoration Movement, and lends those funds to Restoration Movement churches for property purchase, construction, refinancing, and lines of credit. It supplements lending with retirement accounts (IRA, 403(b)), planned giving instruments (Donor-Advised Funds, Charitable Remainder Unitrusts, estate and non-monetary gifts), and an investor online access portal.

Product overview

The Solomon Foundation operates as a Church Extension Fund offering a comprehensive suite of financial products and services for churches and investors within the Restoration Movement. The core product portfolio includes investment products (No Term Investment, Time Certificates with terms from 6 months to 10 years, and Anytime Access promotions) and loan products (Purchase Loans, Refinance Loans, Construction Loans, and Lines of Credit for church facilities). Retirement solutions encompass Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, and 403(b) Plans. The Giving suite includes Field of Interest Funds (with Disaster Relief, Missions & Ministry, Ministry Education, and Restoration Movement Expansion sub-funds), Charitable Remainder Unitrusts, Legacy Funds (Donor-Advised Funds), Non-Monetary Gifts, and Estate Giving options. Digital services include Online Access 2.0 investor portal and ministry coaching/support. These products work together as a unified financial ecosystem connecting investors seeking faith-aligned returns with churches needing capital for growth, refinancing, and construction.

Differentiator

Problem solved

Functional benefit

Products and services

• No Term Investment On-demand investment product with $250 minimum that provides access to funds anytime without penalty, earning APY between 2.56% and 3.79% depending on investment amount. Designed for individual investors seeking faith-aligned liquidity.
• Time Certificates Fixed-term investment certificates with terms of 1, 3, 5, 6, 7, and 10 years. $500 minimum investment. APY ranges from 3.44% to 4.50% depending on term length and investment amount, offered to individual and organizational investors.
• Anytime Access No-term investment promotion with tiered APY rates of 3.39% for $2K-$25K, 3.89% for $25K-$75K, and 4.39% for $75K+. Requires $2K minimum investment with new money only.
• Traditional IRA Tax-deferred retirement account with tax-deductible contributions, tax-deferred growth, and Required Minimum Distributions starting at age 73. Allows catch-up contributions for those 50 and older. Available to individual investors.
• Roth IRA Retirement account with after-tax contributions allowing tax-free withdrawals in retirement. Contributions can be withdrawn anytime without penalty. Available to individual investors.
• SEP IRA Simplified Employee Pension IRA for employers to contribute up to 25% of employee compensation. Tax-deductible employer contributions with no annual filing requirements.
• SIMPLE IRA Retirement plan for small businesses with mandatory employer matching up to 3% or flat 2% contributions. Immediate vesting with easy setup and administration.
• 403(b) Plan Tax-advantaged retirement savings plan for nonprofit employees and ministers featuring pre-tax contributions, tax-deferred growth, and employer matching options.
• Purchase Loans Mortgage loans for property purchases by Restoration Movement churches. Collateral is a first mortgage on real estate property and improvements. Loan terms typically range from 5 to 20 years.
• Refinance Loans Mortgage refinancing options for existing church properties to help optimize loan terms and cash flow.
• Construction Loans Loans for new construction projects and renovations with interest-only payments during the construction term, then converts to a mortgage loan. Includes in-house construction management services with funding draw oversight.
• Lines of Credit Revolving credit facilities for short-term cash flow needs and minor cosmetic renovations. Interest-only payments for the entire term.
• Field of Interest Fund Donor-Advised Fund allowing donors to direct grants to specific passion areas while receiving an immediate charitable income tax deduction. Includes Disaster Relief Fund, Missions & Ministry Fund, Ministry Education Fund, and Restoration Movement Expansion Fund.
• Charitable Remainder Unitrust (CRUT) Planned giving tool that produces income for named beneficiaries during the trust term while the remainder goes to The Solomon Foundation. Provides a charitable tax deduction and a 6% annual income stream.
• Legacy Fund Donor-Advised Fund (DAF) that is a tax-deductible charitable account. Donors can recommend grants to approved charities on their own timeline with no fees or charges.
• Non-Monetary Gifts Accepts non-cash gifts including stocks, bonds, mutual funds, and real estate for donors wanting to contribute assets other than cash or securities.
• Estate Giving Planned giving options for donors wanting to leave an intentional legacy through their estate plans.

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

16 partnerships are on record, tiered key ministry partner, strategic partner, ministry partner and vendor partner.

• 242 Community Churchkey ministry partnerOthersStrategic ministry partner located at 7526 Grand River Road, Brighton, MI 48114. TSF and 242 Community Church partner in shared mission of church growth.
• SECORstrategic partnerOthersLocated at 17151 Pine Ln, Parker, CO 80134. SECORCares mission is to break the chains of suburban poverty. TSF staff Doug and Donnell Heistand have passion for SECORCares.
• The Bold Movementministry partnerOthersStrategic ministry partner collaborating with TSF in church growth initiatives.
• Christ's Church of the Valleykey ministry partnerOthersLocated at 7007 W Happy Valley Road, Peoria, AZ 85383. Jeff Osborne serves as executive pastor at CCV and Vice Chairman of TSF Board of Directors.
• Church 360ministry partnerOthersLocated at 6450 S. State Highway 360, Grand Prairie, TX 75052. Formerly known as Crossroads Christian Church.
• The Crossing - One Church: Multi-Locationskey ministry partnerOthersMulti-site church at 150 South 48th Street, Quincy, IL 62301. TSF helped them achieve their vision of becoming a multi-site church impacting the Kingdom across the Midwest.
• Kore Foundationministry partnerOthersStrategic partner focused on Sustainable Solutions to Extreme Poverty.
• Lifeline Christian Missionministry partnerOthersLocated at 921 Eastwind Drive, Suite 104, Westerville, Ohio 43081. International ministry organization.
• Mount Pleasant Christian Churchministry partnerOthersLocated at 381 N Bluff Rd, Greenwood, IN 46142.
• New Day Christian Churchministry partnerOthersLocated at 20212 Peachland Blvd, Port Charlotte, FL 33954.
• RealLife Ministriesministry partnerOthersJerry Lyon, elder and treasurer at RealLife Ministries in Post Falls, Idaho, serves on TSF Board of Directors.
• Redemption Christian Churchministry partnerOthersStrategic ministry partner of TSF.
• RENEW.orgministry partnerOthersStrategic ministry partner focused on church renewal within the Restoration Movement.
• Southeast Christian Churchkey ministry partnerOthersLocated at 9650 Jordan Rd. Key ministry partner with extensive church presence.
• Team Expansionministry partnerOthersLocated at 4112 Old Routt Rd, Louisville, KY 40299. Church planting and expansion organization.
• Cigna (Health Partner)vendor partnerOthersHealth insurance provider. Machine-readable files available per federal Transparency in Coverage Rule.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Concert Capital: Specialized church financing company providing loans for church construction, acquisition, and refinancing — directly comparable to TSF's Purchase, Refinance, and Construction loan products.
• National Christian Foundation: Large faith-based donor-advised fund and planned giving provider; comparable to TSF's Legacy Fund (DAF) and charitable trust offering and a key competitor in faith-aligned giving.
• Guidestone Financial Resources: Southern Baptist-affiliated financial services organization offering church loans, retirement plans (403(b)/ministry plans), and planned giving — a denomination-aligned peer with a much larger asset base and overlapping product mix.
• AG Financial (Assemblies of God Financial Group): Church extension fund serving the Assemblies of God denomination with investments, retirement plans, and church financing — directly comparable denomination-scoped model.
• Barnabas Foundation: Christian planned giving and donor-advised fund provider; directly comparable to TSF's Giving/DAF/CRUT product line and a peer in faith-based philanthropy advisory.
• Church Development Fund: Faith-based church extension fund offering loans to Christian churches and ministries; TSF's founder Doug Crozier previously served as COO/President. Directly comparable business model (investor-funded loans to churches) and target market.
• Wesleyan Investment Foundation: Church extension fund serving Wesleyan/Methodist churches with investment certificates and ministry loans; TSF's new CEO Joshua Means previously served as VP. Closest direct comparable in product set and target denomination network.

Others

• Crown Financial Ministries: Christian financial education and stewardship ministry serving the broader faith community; adjacent to TSF in mission alignment and Restoration Movement-adjacent audience, though not a direct financial product competitor.

Broad incumbents

• Thrivent Financial: Large faith-based (Lutheran-affiliated) financial services organization offering investments, retirement, and planned giving; broader portfolio and customer base but overlapping faith-aligned financial products.

Emerging players

• Servant Financial: Smaller faith-based lending platform serving church and ministry borrowers; partial overlap with TSF's church loan business and a smaller emerging peer in the same niche.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/TSFInvest
• YouTubevimeo.com/458306173
• Facebookfacebook.com/TheSolomonFoundation
• Instagraminstagram.com/thesolomonfoundation
• LinkedInlinkedin.com/company/the-solomon-foundation

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 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 The Solomon Foundation