Make a plan before the emergency
A broken furnace, sudden pastoral transition, uninsured repair, or missed giving month can put a small church board under pressure fast. This printable toolkit gives a board or finance team a calm, structured way to decide what an emergency fund is for, how it will be funded, who can approve its use, and how the decision will be communicated.
Use this toolkit to
- Clarify the difference between a reserve, a restricted gift, and an emergency fund.
- Set a target that reflects your church’s actual cash flow and risks.
- Map a step-by-step funding plan without pretending the money already exists.
- Prepare an approval and replenishment conversation for leaders.
- Schedule a regular review so the plan does not disappear after one meeting.
Pair it with the free Small-Church Budget Kickoff Workbook for a simple starting point.
Scope: Practical planning support, not legal, tax, accounting, or investment advice. Adapt it to your governing documents and seek qualified local advice when needed.
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