What we finance
- Church building purchases
- Refinancing existing church mortgages
- Expansion, renovation and new construction
- Bridge loans while a campaign or sale closes
- Church-owned schools, daycares and fellowship halls
How it works
Church loans are special-purpose loans. Lenders look at giving history, membership trends, leadership stability and the building's value. We place church loans with lenders that specialize in ministries, and use bridge financing when timing matters.
Have ready: 2–3 years of financial statements, giving records, a budget and the board resolution authorizing the loan.
Church Loans: terms at a glance
| Loan types | Purchase, refinance, cash-out, bridge, construction |
|---|---|
| Structures | Bank, SBA, bridge and private capital |
| Credit under 600 | Commercial bridge up to 65% |
| Extra leverage | Seller carry to 90% CLTV |
Terms shown are representative and subject to underwriting, appraisal and state availability. All loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.