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Groundbreaking Ceremony at North Metro

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Breaking New Ground

North Metro Baptist Church Receives Largest Loan in WatersEdge History

Gloomy skies and patches of rain couldn’t keep the members of North Metro Baptist Church from making history. When the congregation broke ground on a new campus earlier this year near Atlanta, Georgia, it was a major milestone for the 130-year-old Southern Baptist church. It was a chance for celebration, confirmation that God has been guiding the church toward a revitalized campus in a thriving community. Hundreds gathered at the building site on a Sunday morning in April to worship together and dedicate their future.

The campus also demonstrates a critical juncture for WatersEdge.

Bobby Hart and Frank Cox at the groundbreaking.

A NEW ERA — Bobby Hart, president of WatersEdge Ministry Services, takes a moment to chat with Frank Cox, senior pastor of North Metro Baptist Church, during the groundbreaking service. North Metro’s newbuilding is a monumental achievement — for both the church and WatersEdge.

The organization made history of its own when it financed $26 million for North Metro. The loan represents the largest in WatersEdge history. Bobby Hart, president of WatersEdge Ministry Services, met with the church staff and attended the groundbreaking service, which offered a clear picture of just how far the WatersEdge team has come.

“More than anything, this loan is a testament to God’s provision,” Hart says. “Yes, we’re blessed to be in this position, where we can provide loans to churches in a way that furthers the Kingdom. But the significance isn’t ultimately about the number — it’s about seeing God moving in this congregation and in others like it across the country.”

God has indeed been moving at North Metro, providing clear direction even through uncertain economic times. When a party first approached the church and offered to buy its current property, North Metro’s leadership hadn’t even considered moving to a new space. Even when they made the difficult decision to transplant their congregation to a new property, the global COVID pandemic stretched the process over several years and presented disheartening disruptions. The pathway to groundbreaking wasn’t linear; there were stops and starts, times of discouragement and seasons of doubt. But through it all, the Lord was there, opening doors.

Worship service.

JOYFUL NOISE — Rain forced the people of North Metro inside a tent for their groundbreaking service, but it didn’t stop the congregation from celebrating God’s provision and guidance on the site of their new building.

Renderings of North Metro

NOTHING BUT THE CROSS — Architectural renderings of the new North Metro campus emphasize the church’s Gospel focus. “This is where God has strategically placed us so our church can continue to thrive,” Pastor Frank Cox says.

For Frank Cox, North Metro’s senior pastor for over four decades, that example of God’s steadfastness is what’s worth celebrating.

“Over these 43 years, I’ve seen a church emerge that’s willing to dream a God-sized dream and trust Him each step of the way. And God has always been faithful to us,” he says. “That includes what’s happening now; we’re building in probably one of the worst times to build, economically speaking. But even through this, God is proving Himself to us. We’re excited to see what happens.”

Before they connected with WatersEdge, North Metro had conversations with numerous lenders, but struggled to find financing options that fit the church’s needs.

“They asked questions we just didn’t feel were relevant for us, but we understood they were relevant for the banking business,” Cox says.

Out of the blue, a North Metro staff member learned about WatersEdge at a 2022 conference. After an initial project meeting between church leaders and WatersEdge experts, things seemed to click. For Cox, it wasn’t the financial expertise or the low interest rates that stood out; it was that WatersEdge understood churches and ministry finances.

“We were finally sitting down with somebody who had knowledge of the church world, how churches operate and the faith part of it,” he says.

The loan was closed in early 2023, and groundbreaking for the new campus took place April 30. Since then, construction — projected to last 12-18 months — has been proceeding well. Signs indicate everything is on track for the new campus to open in 2024.

In the meantime, North Metro is able to remain in its current facility, yet another sign of the Lord’s provision.

The congregation’s excitement is rising as the end of the year approaches. But much more than a shiny new building and a new ministry location, church leadership is grateful for the opportunity to lay a foundation for the future and prepare for the next phase of North Metro’s ministry.

“We are positioning the church to have its greatest growth days ahead, even after I’m not here,” Cox says. “This is going to be where God strategically places us so our church can continue to thrive, and that excites me.”

Positioned for the Future

Through Kingdom Investments, WatersEdge partners with investors and churches of all sizes to provide biblically grounded loans for new construction, renovation, refinancing, and other projects. Unlike traditional financing, a WatersEdge loan returns interest dollars to churches and individuals who’ve invested in Kingdom causes, instead of a bank’s bottom line. Visit our website to learn more, compare rates, or apply online. |  800-949-9988 |

Future home of North Metro.

FUTURE HOME — Construction on the new campus is progressing, and North Metro hopes to move to its new home in late 2024.