Owen Hill
Author

Owen Hill

Owen Hill has spent his career at the intersection of mission-driven work and financial rigor. He holds a degree in Economics and Operations Research from the United States Air Force Academy and a Ph.D. in Economics, giving him a rare analytical foundation that he's spent decades applying in the nonprofit world.

After serving as a Financial Analyst in the Air Force, Owen joined Compassion International as Budget Director, where he helped steward the financial planning behind one of the largest international humanitarian organizations in the United States.

From there, he founded Switch Consulting, a fractional CFO practice built specifically for nonprofits, giving smaller organizations access to senior-level financial leadership without the full-time price tag. He's worked with finance teams across the sector, helping them build cleaner processes, stronger internal controls, and the kind of financial clarity that lets leadership focus on mission instead of spreadsheets.

Owen has served on the boards of Save the Storks and Life Network in Colorado Springs, and currently volunteers as Treasurer for his local church. He's not just advising nonprofits from the outside; he's been in the trenches with them for years.

Most recently, Owen co-founded KleerCard, a business credit card and expense management platform built from the ground up for nonprofits, churches, and independent schools. It's the product he always wished existed for the clients he served.

Recent Posts

Fund Accounting for Nonprofits. Example month-end balances in one checking account: general operating $14,000 and board-designated reserve $20,000 without donor restrictions, literacy grant $7,500 with donor restrictions, $41,500 in the bank.
Accounting
Nonprofits

Fund Accounting for Nonprofits: How It Works, With Examples

Fund accounting for nonprofits, explained: how restricted and unrestricted money stay separate in one bank account, plus a worked grant example you can follow.
November 2, 2026
Nonprofit Financial Reporting, for whom and how often: the board and finance committee monthly or at least quarterly, program and budget leaders monthly, funders on each grant agreement's schedule, and the IRS annually.
Accounting
Nonprofits

Nonprofit Financial Reporting: Who Gets What, and When

How nonprofit financial reporting works: which reports go to your board, funders, the IRS and your state, how often each is due, and how to stay on time.
October 30, 2026
How to Set Up a P-Card Program for schools, churches and nonprofits, with an app window listing five steps: issue, set controls, load and approve funds, spend, and reconcile. Purchases outside the card decline.
Cards
Expense Management
Schools
Churches
Nonprofits

P-Card Program Guide for Schools, Churches & Nonprofits

A P-card program gives staff their own cards with limits set up front. Learn the roles, controls, policy and rollout for schools, churches and nonprofits.
October 23, 2026
KleerFi Accounting vs Grain Ledger: live today vs waitlist open. Questions to weigh before you switch: onboarding and support when you have a deadline, how broad you want your finance software to be, and keeping finance separate from your ChMS. Grain Ledger is live today; KleerFi Accounting has a waitlist open.
Accounting
Churches

KleerFi Accounting vs Grain Ledger: Honest 2026 Comparison

Compare KleerFi Accounting and Grain Ledger on fund accounting, manual entry, pricing, and availability. Grain is live today; KleerFi is on a waitlist.
October 15, 2026
KleerCard vs ACCU side-by-side for churches: both $0 annual fee, KleerCard cash back on custom plans vs ACCU 5/3/1.5 points per $1, membership not required vs required, unlimited cards vs multiple employee cards, weekly credit line vs 12.90% APR
Cards
Churches
Expense Management
Accounting

KleerCard vs ACCU Visa Ministry Rewards Card (2026)

KleerCard vs ACCU's Visa Ministry Rewards card: rewards, fees, membership, spend controls, and fund accounting. An honest look at which fits your church.
October 5, 2026
Dark purple hero with title KleerCard vs Givefront (2026), subtitle Free cards or a weekly charge line?, and an At a glance table comparing pricing, how the card spends, bill pay, physical cards, and accounting.
Churches
Cards
Nonprofits
Expense Management
Accounting

KleerCard vs Givefront (2026): Free Cards or Charge Line?

Givefront is free up to 50 users with grant tags on QuickBooks. KleerCard is a $0 Wallet or $29/$49 weekly charge line with church-ledger sync. Compare both.
September 24, 2026
Hero/OG — KleerCard vs Devote (2026) cover: title “Charge line or cash-secured?” beside a side-by-side card comparing KleerCard’s weekly credit line ($29–$49/mo, church ledger sync) with Devote’s cash-secured card ($179–$719/mo, QuickBooks Online).
Churches
Cards
Nonprofits

KleerCard vs Devote (2026): Charge Line or Cash-Secured?

Devote is a cash-secured Visa you fund first. KleerCard Standard and Pro use a weekly charge line. Compare 2026 pricing, funds, and when to stay.
September 17, 2026
Dark purple graphic titled KleerCard vs PEX (2026): Prepaid load or a weekly credit line?, with a side panel listing where the two split: KleerCard weekly credit line, one price for unlimited cards, church accounting connections, and 501(c)(3) personal guarantee waived versus PEX prepaid load-first and per-card fees.
Churches
Cards
Nonprofits

KleerCard vs PEX (2026): Prepaid or a Charge Line?

PEX's common church product is a prepaid Visa you load first. KleerCard Standard and Pro use a weekly charge line. See pricing, Aplos cards, and when to stay.
September 15, 2026
Hero/OG image for How to Get a Credit Card for a Church: KleerCard title with badge “The documents issuers ask for,” beside a checklist UI showing EIN, church bank account, formation record, tax-exempt proof, board resolution, and officer photo ID
Churches
Cards
Nonprofits

How to Get a Credit Card for a Church

Church credit card application: documents, EIN vs unincorporated status, board resolution, what underwriters review, and how long approval takes.
September 14, 2026
KleerCard vs AdelFi comparison thumbnail for churches choosing a ministry card in 2026
Cards
Churches
Nonprofits
Virtual Cards
Expense Management

KleerCard vs AdelFi: Which Card Fits Your Church in 2026

KleerCard vs AdelFi for churches in 2026: spend controls and fund sync vs cash back and missions giving. Membership, fees, and which fits.
September 9, 2026
KleerCard hero: Is KleerCard a credit card? labeled a Visa charge card, not revolving credit; checklist confirms Visa Commercial on paid plans, Wallet on Free, and rules out revolving APR, debit, and software-only.
Cards
Business Credit
Nonprofits
Accounting
Expense Management

Is KleerCard a Credit Card?

Yes — KleerCard issues a Visa Commercial charge card for nonprofits. Paid plans use a weekly credit line paid in full; Free plan spends Wallet deposits. Not revolving credit.
September 7, 2026
KleerCard hero: Nonprofit budgeting software, compared (2026)—the shortlist for funds, grants & programs. Practical 2026 shortlist: KleerCard Budget Wizard, QuickBooks + spreadsheet, Aplos, Budgyt & Martus, Sage Intacct Planning, Financial Edge NXT.
Nonprofits
Accounting
Churches
Schools

Nonprofit Budgeting Software Compared for 2026

Compare 2026 nonprofit budgeting software by fund tracking, grants, and price. See what small teams need, and why approved budgets slip without spend controls.
September 4, 2026