Let's say that your congregation has an immediate need for an HVAC system replacement and there is not a reserve fund sufficiently funded to pay for it.
Obviously a financial appeal will happen in short order; most of which will consist of one-time financial gifts...hopefully totaling the amount needed to pay for the HVAC system.
Here's where it gets interesting. One of the primary givers (representing 10-15% of all annual giving) suggests that they 'advance' 1-2 months of their giving, originally planned for the latter months of the year, toward the HVAC system replacement. So when those latter months come along, they consider themselves 'paid up' for those months.
What do you think of such an arrangement? On one hand, it is a means of 'borrowing' money interest free. On the other hand, when those months come along, there will be a substantial shortfall due to money having been given and spent already.
Would you accept the offer and hope to somehow make up the shortfall later in the year?