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Description
Port of Subs Franchise Financial Model 2026What Does the Port of Subs Franchise Financial Model Contain? This financial model for fast casual sandwich franchise includes a complete Excel framework to forecast every dollar from the initial $25,000 fee to the year five $198,000 EBITDA target. [dynamic_pic1] All in one Dashboard Core inputs and core outputs [dynamic_pic2] Low Base High Three scenario analysis [dynamic_pic3] Professional Charts Presentation ready [dynamic_pic4] ROE Components
What Does the Port of Subs Franchise Financial Model Contain?
This financial model for fast casual sandwich franchise includes a complete Excel framework to forecast every dollar from the initial $25,000 fee to the year-five $198,000 EBITDA target.
Low/Base/High
Three scenario analysis
Professional Charts
Presentation ready
ROE Components
DuPont analysis
Revenue Inputs
Researched revenue assumptions
Bank-Ready Reports
Lender-friendly financial outputs
Revenue Breakdown
Revenue stream detailed view
KPI Dashboard
Performance metrics benchmark
Six Questions Your Port of Subs Franchise Financial Model Must Answer
We built this franchise financial model template using detailed research into the sandwich shop business plan requirements and typical unit economics. All assumptions, including the $8,500 monthly rent and 6% franchise royalty fees, are pre-populated based on the $503,000 startup costs but remain fully editable to fit your specific market. This ensures you have a reliable restaurant franchise profitability calculator excel for your own due diligence and financial forecasting for new restaurant location.
When will this unit turn a profit?
The unit reaches operational profitability in April 2026, just four months after the doors open. While year-one EBITDA is projected at $111,000, the model shows a dip in year two as you scale the assistant manager role before climbing to a $198,000 annual profit by year five. Evaluating sandwich franchise financial performance requires looking at this long-term curve rather than just the opening months. Profits grow as your catering business matures.
Boost Your Bottom Line
- Scale catering to $134k annually
- Keep food cost percentage at 12.7%
- Optimize crew FTE for peak lunch
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How much capital is required?
Your startup budget for quick service restaurant franchise includes $503,000 in upfront costs, with $220,000 allocated to leasehold improvements and $95,000 for kitchen equipment. You will also need to account for the $25,000 initial franchise fee and $40,000 in permits and deposits. The model suggests a minimum cash position of $759,000 to safely navigate the ramp-up period. Cash is the oxygen that keeps your build-out alive.
Major Capital Uses
- $220,000 for leasehold improvements
- $95,000 for kitchen equipment
- $40,000 for permits and deposits
- $35,000 for exterior signage
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What is the expected return?
The franchise investment return on investment calculator shows an internal rate of return (IRR) of 2% over the first five years. Because of the high $503,000 initial franchise startup costs and $102,000 annual rent, the full payback of your initial equity occurs after the five-year mark. This model helps you visualize how the projected revenue for sandwich shop franchise unit translates into long-term wealth. Real wealth in franchising is often built through multi-unit expansion.
Key Investment Metrics
- 2% Internal Rate of Return
- Payback period over 5 years
- 19.7% Year 5 EBITDA margin
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What is the break-even point?
The break-even analysis for franchise units indicates you need to clear the monthly fixed costs, including $8,500 for prime location rent and over $10,000 in management salaries. You hit this point in April 2026, driven largely by the $290,000 in first-year sandwich sales. If labor costs or the restaurant food cost percentage rise unexpectedly, your break-even timeline will defintely be delayed. Watch your waste like a hawk to stay in the black.
Levers for Faster Breakeven
- Launch catering by month four
- Reduce food waste to 13%
- Cross-train staff for efficiency
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What is the cash runway?
The lowest cash point occurs in December 2028, requiring you to maintain a $759,000 liquidity buffer to stay safe. This Excel template for restaurant franchise business planning highlights that even with $600,000 in year-one revenue, the timing of payroll and franchise royalty fees can squeeze your runway. You must monitor the gap between your $503,000 CAPEX and your monthly operating cash flow. Running out of cash is the only way to truly fail.
Protect Your Cash Flow
- Phase furniture and seating buys
- Negotiate tiered rent increases
- Manage initial inventory tightly
- Delay non-essential equipment upgrades
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How do scenarios change outcomes?
The model compares Low, Medium, and High scenarios to show how a 10% swing in sales affects your franchise investment analysis. In the High case, exceeding the $1,003,000 year-five revenue target significantly improves the 2% ROE and shortens the payback period. Conversely, the Low case demonstrates how fixed costs like the $8,500 rent can erode margins and push the peak cash need higher. Scenarios help you prepare for the worst while aiming for the best.
Hit the High Case
- Drive loyalty program signups
- Secure local corporate catering
- Maximize peak lunch throughput
- Maintain 12.7% food costs
Finance: update unit break-even and payback model by Friday.
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Port of Subs Franchise Financial Model Template Features & Benefits
Tailor Your Strategy with a Flexible Model
This Excel-based franchise financial model template lets you swap out assumptions for any market or site. You can adjust the $8,500 monthly rent or tweak the 15.1% combined food and packaging costs to see how margin shifts. It's built for operators who need to stress-test local labor rates against the 6% royalty and 1% marketing fee. Every decimal point in your food cost matters when you are slicing to order.
- Editable assumptions and formulas
- Revenue and pricing drivers
- Staffing and payroll inputs
- Operating expense categories
Map Your Growth with 5-Year Projections
Planning for a single sandwich shop requires a long-view look at cash flow and debt service. This model forecasts revenue climbing from $600,000 in year one to over $1 million by year five, accounting for the ramp-up in catering and delivery. It tracks how EBITDA fluctuations impact your bottom line as you add staff, like the catering coordinator in year one. Long-term planning beats short-term guessing every time.
- 5-year revenue forecasts
- Profit and cash flow projections
- Balance sheet view
- Long-term profitability analysis
Master the Franchise Cost Structure
Franchise investment analysis must account for the off-the-top costs that never hit your pocket. This tool calculates the 6% royalty and 1% marketing fund contributions automatically based on your projected sales. By modeling these fees against a $290,000 baseline for sandwich sales, you can see exactly how much gross profit remains to cover your $102,000 annual rent. Royalties are a fixed reality of the brand's ecosystem.
- Initial franchise fee inputs
- Royalty expense calculations
- Marketing fund contributions
- Ongoing franchise cost tracking
Calculate Your Startup and Break-Even
Knowing how to calculate sandwich shop franchise startup costs is the difference between a successful launch and a cash crunch. With $220,000 in leasehold improvements and $95,000 in kitchen equipment, your initial outlay is significant. This model shows a break-even analysis for franchise units, identifying the exact month-April 2026-when your revenue finally covers your monthly burn. Speed to break-even is the most critical metric for a new operator.
- Total startup investment
- Fixed and variable cost analysis
- Break-even sales estimates
- Margin and contribution view
Benchmark Your Unit Performance
Use this restaurant profit and loss template to compare your projected 13.5% food cost against industry standards. The model includes typical ranges for labor and occupancy, helping you spot if your $55,000 manager salary or $8,500 rent is out of line for a $600,000 volume store. It serves as a restaurant unit economics analysis guide to keep your site competitive. You should defintely compare your local reality against the franchise disclosure document (FDD) estimates.
- Labor cost benchmarks
- Occupancy cost benchmarks
- Gross margin ranges
- Revenue driver benchmarks
How to Use the Template
Download and Open
Simply purchase and download the financial model template, then access it instantly using Microsoft Excel or Google Sheets. No installation or technical expertise required-just open and start working.
Input Key Data:
Enter your business-specific numbers, including revenue projections, costs, and investment details. The pre-built formulas will automatically calculate financial insights, saving you time and effort.
Analyse Results:
Leverage the investor-ready format to confidently showcase your financial projections to banks, franchise representatives, or investors. Impress stakeholders with clear, data-driven insights and professional reports.
Present to Stakeholders:
Leverage the investor-ready format to confidently present your projections to banks, franchise representatives, or investors.
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4.5 ★★★★★
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★★★★★ 4
Good Book; Slightly Biased
I liked Tim Keller's book quite a bit. He makes a strong, biblical case for the necessity for christians to do justice. This part of the gospel has been lacking in conservative, evangelical circles. So, Pastor Keller performs a real service, as a conservative evangelical, in speaking out on the issue.
However, there is a slight, conservative, bias in the book. He seems to try to bend over backwards to be fair, but still ends up missing and misstating a few things.
As a conservative, he de-emphasizes the important role of government in social justice and the necessity for christians to actively promote justice in the public sphere. Yes, he mentions this, and even gives some examples where christians should be involved in promoting justice in the public sphere. But, the instances he cites are small cases like when we see injustice in local law enforcement or building inspector corruption. Those sorts of things. That's fine as far as it goes, but it's the tip of the iceberg. The things that can make a big difference in our society in promoting justice are national policies involving health care, housing assistance, education assistance, food stamps, etc.
Mr. Keller avoids talking about those things because they are inconsistent with the politics that conservative christians almost universally support. So, he doesn't want to alienate his supporters. And, perhaps he himself opposes things like national health care. Of course, obviously, that position is inconsistent with what Jesus taught about caring for the poor and sick. Mr. Keller, and other conservatives, would say it's not the government's role to provide health care to the poor; rather the role of the church. And, he would cite some small example of some church that maybe offers free health screenings. Give me a break. Tell me the church I can send a homeless person to where he can live and receive the cancer or heart treatment he needs and then I'll agree with Mr. Keller and the conservatives. Until then, the government MUST play a role in this area and christians should be leaders in promoting that.
But, Mr. Keller, rather predictably, mostly ignores this issue of the actual, true role of modern government in justice -- which necessarily, for better or worse, has to be quite large.
We see this conservative slant to the book other times as well. For instance, when talking about the Sermon on the Mount, Keller says that both conservatives and liberals miss part of Jesus' message. He says conservatives ignore Jesus' words about social justice and liberals ignore his words about personal morality. I just don't think that's fair because I think liberal christians care just as much as conservatives about private morality. It's possible to point to an issue here or there where that's not true; but then it's possible to point to others that point in the other direction. The bottom line is that supporting social justice requires private morality (unselfishness). Mr. Keller cites the private/individual morality issues that Jesus discusses as sexual lust in the heart, adultery, divorce and overwork and materialism. Yet, there is no evidence that liberals are more guilty of these issues than conservatives; in fact, I'd suggest the opposite may be true (certainly with respect to overwork and materialism).
I wish Keller would simply admit the obvious which is that liberal christians are much more on board with the Sermon on the Mount and generally with Jesus' message of promotion of Justice and God's Kingdom on earth. That message is at the heart of christian liberalism. But, rather than simply admitting that this is an area that liberals generally get right and conservatives get wrong; instead Keller reaches for straws that don't exist.
We see this again when Keller says in the introduction to the book that Walter Rauschenbusch (a "father" of liberal christianity) "rejected the traditional doctrines of Scripture and atonement." As evidence for this serious and broad criticism, Keller provides a footnote which fails to provide any quotes, rather it simply references Rauschenbusch's book A Theology for the Social Gospel, Ch. 19 and says that Rauschenbusch therein "rejects the theory of penal substitution."
Yet if one reads Ch. 19 of Rauschenbusch's book, one will find he clearly does NOT reject the theories of atonement or penal substitution. In fact, on page 244 Rauschenbusch states: "As Christian men we believe that the death of our Lord concerns us all. Our sins caused it. He bore the sin of the world. In turn his death was somehow for our good. Our spiritual situation is fundamentally changed in consequence of it." Then on pg. 273, Rauschenbusch says: "The cross is the monumental fact telling of grace and inviting repentance and humility."
Furthermore, Rauschenbusch on numerous occasions in all his books specifically states that his ideas of social justice take nothing away from traditional christian theology; rather they add important things to it. The very things Keller talks about.
Again, Keller provides no detailed information about why he thinks Rauschenbusch denied the theory of atonement -- he simply says he did and in a footnote cites a book that seems to not say what Keller thinks it says.
This kind of unfair and misleading criticism of "liberal" christians is just wrong and we see it too much. Liberal christianity does not deny any of the essentials of the faith (at least the liberals that Keller talks about); but adds the "do" and "God's Kingdom" parts of the gospel that conservative christians too often miss. Keller does a great service in pointing this out. I just wish he was fair to liberal christians who have long been exactly where Mr. Keller has now arrived.
But, again, very good book. And, one that I hope many christians (conservative and liberal) will read.
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Reviewed in the United States on May 12, 2011
★★★★★ 5
Book Summary for Generous Justice
I have read several of Keller's books. This one is a must read for every Christian, especially for those who hearts are nudging them toward ministry to the poor, the oppressed, and the marginalized. I will attempt summarize the book, but I encourage you to read it for yourself.
In Chapter One, citing Micah 6:8, Keller defines biblical justice as care for the vulnerable.
In premodern, agrarian societies, these four groups [widows, orphans, immigrants, and the poor] had no social power. They lived at a subsistence level and were only a few days away from starvation if there were any famine, invasion, or even minor social unrest. Today this quartet would be expanded to include the refugee, the migrant worker, the homeless, and many single parents and elderly people. The mishpat, or justness, of a society, according to the Bible, is evaluated by how it treats these groups. (pp.4-5)
Realize, then, how significant it is that the Biblical writers introduce God as "a father to the fatherless, a defender of widows" (Psalm 68:4-5). This is one of the main things he does in the world. He identifies with the powerless; he takes up their cause. (p.6)
Keller introduces another word for justice from the Old Testament, tzadeqah, which defines the righteous as those who are "right with God and therefore committed to putting right all other relationships in life." (p10) The two words, mishpat and tzadeqah, are used together over three dozen times. "The English expression that best conveys the meaning is 'social justice.'" (p.14) Keller then turns to the New Testament to point out that Jesus calls gifts to the poor "acts of righteousness." (Matthew 6:1-2) He concludes that "not giving generously, then, is not stinginess, but unrighteousness, a violation of God's law." (p15)
Chapter Two delves more deeply into the the themes of justice in the Old Testament. God gave the Israelites numerous laws "that, if practiced, would have virtually eliminated any permanent underclass." (p.27) There were laws of release from debt every seven years. Deuteronomy 15:7-8 commands Israelites to "be openhanded and freely lend him [the poor] whatever he needs," to help them reach self-sufficiency. Gleaning laws commanded land owners to leave a certain portion of their crops in the fields so that the poor could work to provide food for themselves. Every third year the tithes were put in public storehouses for the poor and marginalized. (Deut. 14:29) Every fifty years on the year of Jubilee, all debts were forgiven, the land went back to its original owners, and slaves were freed.
Each person or family had at least a once-in-a-lifetime chance to start afresh, no matter how irresponsibly they had handled their finances or how far into debt they had fallen. (p.28)
Keller shows how Paul used Exodus 16:18 as a reference when he wrote 2 Corinthians Chapter Eight. He showed how the Israelites were commanded not to hoard manna, but to share it with those who may not have gathered enough. The idea being that "the money you earn is a gift from God. Therefore the money you make must be shared to build up community. So wealthier believers must share with poorer ones. (p31) Before you jump to any conclusions, Keller is not a socialist, but shows how the Bible cannot be confined to any one political or economic philosophy. He cites Craig Blomberg's survey of the Mosaic laws of gleaning, releasing, tithing, and the Jubilee, where he concludes: "the Biblical attitude toward wealth and possessions does not fit into any of the normal categories of democratic capitalism, or of traditional monarchial feudalism, or of state socialism." (p.32)
Keller writes: "One of the main reasons we cannot fit the Bible's approach into a liberal or conservative economic model is the Scripture's highly nuanced understanding of the causes of poverty." (p.33) Whereas liberals blame social forces beyond the control of the poor and conservatives blame the breakdown of the family, poor character, and bad personal practices, the Bible is more balanced. Oppression is certainly one main reason for poverty, and the rich are blamed when vast disparities exist between the rich and poor. I will not cite the references here to be as concise as possible. He writes: "the Mosaic legislation was designed to keep the ordinary disparities between the wealthy and the poor from becoming aggravated and extreme." (p.33) The Bible also lists natural disasters as a cause of poverty. Some people lack the ability to make wise decisions. Another cause is personal moral failure. "Poverty, therefore, is seen in the Bible as a very complex phenomenon." (p.34)
In the New Testament, Keller quotes Luke 14:12-13 to show us "that it is in some respects our duty to give a preference to the poor." (p.46) In contrast to the patronage system in existence in Jesus' day, what Jesus prescribed "would have looked like economic and social suicide." (p.47) Instead of doing favors for the rich and influential, our Lord advised serving those who can do nothing for us. "Like Isaiah, Jesus taught that a lack of concern for the poor is not a minor lapse, but reveals that something is seriously wrong with one's spiritual compass, the heart." (p.51) The parable of the sheep and goats teaches that our heart and service towards the poor and marginalized reflect our heart and service to Jesus.
Perhaps the best chapter in the book is the fifth, entitled "Why Should We Do Justice?" When we delve down into what really motivates our behavior and values, we discover hidden treasure. It is obvious that mere reason and guilt trips will not change people's hearts to be more involved with helping the helpless. Keller comes at the "why" from two angles. The first is what he calls "honoring the image," which is based on creation. "The image of God carries with it the right to not be mistreated or harmed." (p.84) Or to put it another way, "Because we treasure the owner [God], we honor his house [people]." (p.85) Using this line of reasoning, we must acknowledge that everything we have came from God and ultimately belongs to God. We are stewards or caretakers of another's property. Applying the Old Testament principles of mishpat and tzadeqah, we can say, "the righteous [tzaddiq]...are willing to disadvantage themselves to advantage the community; the wicked are willing to disadvantage the community to advantage themselves." (p.90) Does this not echo the words of Paul:
You know the generous grace of our Lord Jesus Christ. Though he was rich, yet for your sakes he became poor, so that by his poverty he could make you rich. 2 Corinthians 8:9 (NLT)
With reference to the gleaning laws, Keller writes:
In God's view, however, while the poor did not have a right to the ownership of the farmer's land, they had a right to some of its produce. If the owner did not limit his profits and provide the poor with an opportunity to work for their own benefit in the field, he did not simply deprive the poor of charity, but of justice, of their right. Why? A lack of generosity refuses to acknowledge that your assets are not really yours, but God's. (p.91)
The second part of the "why" we should do justice is found in our response to grace. The idea here is that none of us deserve God's grace. Any argument against serving the poor because they don't deserve our help falls apart in light of this truth. James wrote that to look at a brother or sister without resources and do nothing about it reveals a lifeless kind of faith. (James 2:15-16) The doctrine of justification is necessary because the demands of the law are so high that none of us can attain to it. God's commands regarding loving the poor and helpless are so high that we must rely on God's grace to enable us to fulfill them. "People who come to grasp the gospel of grace and become spiritually poor find their hearts gravitating toward the materially poor. To the degree that the gospel shapes your self-image, you will identify with those in need." (p.102) Keller concludes: "I believe, however, when justice for the poor is connected not to guilt but to grace and to the gospel, this 'pushes the button' down deep in believers' souls, and they begin to wake up." (p.107)
The last two chapters deal with practical aspects of doing justice individually, as a church, and in partnership with others in the community. Since I am growing weary and need to move on to some other things, I will leave those to you to read. The last chapter shows how Jesus identified with the poor and oppressed when he hung upon the cross, penniless and without justice. His trial and execution were illegal. God came to earth as a poor carpenter and died as a criminal. He is the advocate of the poor, oppressed, and marginalized people of the earth, and has called his church to join him in manifesting God's love to those who desperately need it.
I hope you will take the time to purchase and read this book. It will impact your life for good.
You can purchase the reviewer's book on Amazon:
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Reviewed in the United States on November 9, 2011
★★★★★ 5
Awakening My Heart for the Poor
"I would like to believe that a heart for the poor `sleeps' down in a Christian's soul until it is awakened" says Tim Keller in Generous Justice.
He then adds, "when justice for the poor is connected not to guilt but to grace and to the gospel, this `pushes the button' down deep in believers' souls, and then begin to wake up.
For me, Generous Justice, pushed the button, one that God has been pushing the past year or so, to see the world, to see the challenges of the poor and other 3rd world issues, with a desire to make a difference.
What I like about Keller's theology and writing is an understanding of grace. Guilt can motivate, but it's not God's way to motivate. Guilt can push for a moment, grace can drive for a lifetime. And the issues of the poor will take a lifetime of grace to deal with in this world.
Keller does a great job of digging into a Biblical sense of justice. For most people justice works us to just what they think it should be. Justice in the Biblical sense is more then punishment for what's wrong, it's upholding the needs of the poor and powerless. Justice protects their rights and their value before God.
In the Parable of the Good Samaritan, the Samaritan man shows justice and kindness to the Jewish man in need. He provides Generous Justice. But Keller picks it up a notch, by pointing out, what if the Good Samaritan travels that road often and keeps finding Jewish men mugged, beaten, left for dead? What does he do then? Generous Justice would be that he works to change the systemic issues.
Generous Justice is not simply how I respond, but how we respond to those in needs as individuals, congregations, and yes, in the political process as well. You may not always agree with Keller, but he will make you think and lay out the possible options to work through.
One of my favourite stories Keller includes is about the Roman Emperor Julian, who was not a big fan of Christians. Yet Julian says about these Christians he despises that they take care of their poor and ours as well. That love, that Generous Justice in action, transformed the world for Christ. We need such a transformation of Generous Justice in our day.
I highly recommend Generous Justice. It is more then a theological / theoretical book of what could be. Generous Justice is a theological / practical book of what by God's grace we can do as we empowered by God to serve the powerless with the power of God's love at work.
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Reviewed in the United States on February 20, 2012
★★★★★ 5
Justice and Grace, God's desire for our lives
Format: Kindle
Tim Keller does another great job in writing a book that will be helpful for Pastors and laymen. He takes the issue of God's Justice and guides us through a discussion of what it justice means Biblically and how do we apply it today. There are many verses about justice and especially about helping the poor in the Old and New Testament. Many are in the Old Testament and people often dismiss them thinking that the Old Testament has been done away with and replaced with the New Testament.
But the bottom line is this, the poor we will have with us always and how do we deal with them? How do we help them with their issues of hunger, lack of resources, lack of advocates standing up for them with the judicial system and society at large. What also do we do with the "year of jubilee" where the debts of the poor are forgiven and they are given a fresh start. What should we do with that today.
Keller takes us through a discussion of the definition of Justice, why the Old Testament is still valid, what does Jesus say and how do we treat our neighbors. He reminds us that the Old Testament, specifically the nation of Israel, was a Theocracy style of government. So how do we in a democracy deal with the poor since it is a completely different style of government than a Theocracy. What is the point of justice? What should we do about standing in the gap for our neighbors who are poor, or do we ignore them and let the government deal with them through welfare?
There are deep theological issues here and deep moral issues as well. How do you respond to the poor? How do you handle your resources? What do you do regarding Charity? Why do you act charitably?
Keller also talks a good bit about how our young people are moving back into a culture of "volunteerism" and the benefits that has on society as well as on themselves. But the real issue comes down to the heart issue of why do they volunteer to help the poor.
Wrapped in all of this is a discussion also about "God's Grace". Because some people feel that justice might just mean that we let people suffer in their poverty because they bring it on themselves. But the Bible is clear. Our task is to help the poor, the widow, the orphan, etc. These people are precious to God and thus should be precious to us.
This is a quick read, but a very needed read for the "Western Church" today. You will be forced to look at the role of "Deacon" in the church and how that role was put together to serve the poor. You will be left with this question, how does my church stack up in regards to reaching the poor? How would God feel we have done in serving the poor and providing "justice" for them.
Enjoy!
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Reviewed in the United States on November 3, 2010
★★★★★ 5
A Slim Book with a Big Message
The book is an attempt, Keller writes, to connect a person's Christian faith with the desire to help people in need and do justice in all aspects of one's life. He is writing for four groups of people, he says. These are:
-- Those, especially the young, who are active in volunteering and want to help the poor but their concern does not affect how they spend money or plan their careers.
-- Those who don't see, as Jonathan Edwards said, that when the Spirit enables us to understand what Christ has done for us, "the result is a life poured out in deeds of justice and compassion for the poor."
-- Younger evangelicals who have expanded their mission to include social justice along with evangelism.
-- People like the atheist Christopher Hitchins who believe that religion "poisons everything."
This book, Keller writes, is for "the orthodox (Christian) to see how central to the Scripture's message is justice for the poor and marginalized. I also want to challenge those who do not believe in Christianity to see the Bible not as a repressive text, but as the basis for the modern understanding of human rights."
Keller spends the early parts of his book discussing how justice for the poor, the immigrant, the widow and orphan was central to the concept of mercy (in Hebrew, chesedh), justice (mishpat) and righteousness (tzadeqah). Mercy has to do with aligning our attitude with that of a merciful God. Justice is aligning our actions -- equitable dealings with people -- with a just God's. Righteousness in the Hebrew context has more to do with right relationships than obeying a set of rules, as modern Christians often think of it.
Someone who is "right with God (is) therefore committed to putting right all other relationships in life." (Alec Motyer) Righteousness is "day to day living in which a person conducts all relationships in family and society with fairness.While tzadeqah is primarily about being in a right relationship with God, the righteous life that results is profoundly social. (See Job 29:12-17, 31-13-28.
Keller details the Hebrew law's provision for exercising justice. These are:
-- Shemitta, or release. The practice of the Sabbath year, every seventh year releasing people from debts or servitude. Deut. 15:1-2
-- Gleanings. The practice of not harvesting fields to their borders. Keller suggests that modern businesses could imitate this practice by not maximizing profits, thus giving price relief to their customers, and not paying workers the lowest possible wages. Leviticus 19:9-10, 23:22
-- Tithing for the priests and the upkeep of the temple. Every third year the tithe was put in public storehouses for the poor, "the aliens, the fatherless, and the widows." Deut. 14:28-29. This makes me think that churches should practice this in some form by systematically committing a portion of its receipts to serving the poor and needy.
-- Year of Jubilee. The practice of every 49th or 50th year of forgiving debts and returning land to its ancestral owner. Leviticus 25:10, 23, 27:21.
These practices helped meet the needs of the poor and helped prevent permanent cycles of poverty.
The three causes of poverty, according to the Law are oppression, calamity and personal moral failure. The biblical emphasis is usually on the larger structural factors -- corruption, oppressive economic systems and natural disasters. The exercise of justice, however, never distinguishes between the three. That is, no matter why a person is poor, the righteous person should care for him.
Well, that's the Old Testament,, some might say. But Jesus showed the same concern for the poor and disadvantaged, if not more so. His response to John in Matthew 11:4-5, and the beginning of his ministry in Luke 4. As Eugene Peterson writes in The Message, the Word became flesh and moved into the neighborhood. He identified himself with the poor and showed special concern for children, aliens, women.
Jesus and the prophets all "leveled the charge that while the people attended worship, observed all religious regulations and took pride in their biblical knowledge, nevertheless they took advantage of the weak and vulnerable."
Vulnerable people need three levels of help -- relief, development and social reform. Relief is the immediate problem (paying the rent, for instance); development is to help then move beyond dependency (job training); social reform is correcting systemic injustice (redlining).Social reform likely requires the creation of extra-church or parachurch organizations. Churches also can partner with existing organizations or churches that operate in vulnerable populations.
Evangelism and social justice "should exist in an asymmetrical, inseparable relationship. Evangelism is the most basic and radical ministry possible to a human being ... not because the spiritual is more important than the physical, but because the eternal is more important than the temporal. If there is a God, and if life with him for eternity is based on having a saving relationship with him, then the most loving thing anyone can do for one's neighbor is help him or her to a saving faith in that God, Keller writes.
Doing justice is inseparably connected to preaching grace. One way is that the gospel produces a concern for the poor. The other is that deeds of justice gain credibility for the preaching of the gospel.
This book is a slim one that carries a heavy message. It challenges us comfortable churchgoers to examine our community and ask whether we are of any importance to the wider community. If our "church" ceased to exist, would anyone miss us? What are we doing in obedience to God's commands to serve the poor, the widow, the orphan, the prisoner, the hungry? There is a lot here to reflect on and for a small group(s) to discuss and apply. Unfortunately, I contacted the publisher and there is no accompanying study guide.
Keller is pastor of Redeemer Presbyterian Church in New York City.
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Reviewed in the United States on October 12, 2011