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When Not to Borrow is written by Ray Bowman and published by Baker Publishing Group (MI). It's available with International Standard Book Number or ISBN identification 0801090210 (ISBN 10) and 9780801090219 (ISBN 13).
The authors of the award-winning When Not to Build take the next step in When Not to Borrow, offering sage counsel to help churches find the financial freedom to keep growing and stay ministry-focused. They show how to avoid the common problems of indebtedness, institutionalism, and inadequate giving. They provide 'reality check' worksheets for use in any church, and they offer real-life examples of how to save untold dollars and keep churches focused on caring for people.