Church Loan ProgramNo Guarantor Needed.
Specialized faith-based financing for acquisitions, refinance, and construction — the ministry stands on its own.
Program Overview
Most banks treat church loans like a side project. We don't. Our Church Loan Program is purpose-built for ministries — structured around the building and the giving, with no personal guarantor required on qualifying files. From a first sanctuary purchase to a multi-site expansion, we close.
Why This Program
Structured around the deal.
No Guarantor
Qualifying files require no personal guarantor — the ministry stands on its own.
Built for Ministry
Underwriting accounts for giving cycles, congregational growth, and ministry vision — not a generic commercial template.
$100K to $25M+
From small church acquisitions through major construction and multi-site expansions.
Ideal Scenarios
Built for deals like these
- Buying a new sanctuary or first permanent home for the ministry
- Refinancing high-rate or balloon debt into a long-term structure
- Funding an expansion, renovation, or new wing on an existing campus
- Ground-up construction for a new ministry facility
- Acquiring an adjacent property for ministry growth
What We'll Need
To get you an indication
- Property address and acquisition / refinance / construction scenario
- Past 2–3 years of giving statements or financial summaries
- Brief ministry overview (founding, attendance, leadership)
- Board / leadership structure
- Loan amount and timeline
FAQ
Common Questions
Is a personal guarantor required?+
No. Our Church Loan Program is designed so the ministry stands on its own — no personal guarantor required on qualifying files.
What loan sizes do you fund?+
From $100,000 up to $25,000,000+. We structure around the building, the budget, and the mission — small church acquisitions through major multi-site expansions.
Can the funds be used for new construction?+
Yes. Church acquisition, refinance, expansion, and ground-up construction are all supported.
What does the church need to provide?+
Typically 2–3 years of giving statements or financials, a brief ministry overview, the property scenario, and basic leadership/board information.