Financing to Grow Your Ministry
Purpose-built lending solutions for churches and faith-based organizations. Whether you're purchasing, building, renovating, or refinancing — we help your congregation take the next step.
Why Choose Us for Church Financing?
We specialize in the unique financial needs of faith-based organizations.
Up to $35M
Financing for churches of all sizes — from small congregations to large multi-campus ministries.
Programs Without Personal Guarantees
Many programs require no personal guarantee, protecting your pastor and board members.
Flexible Terms
5 to 30-year fixed rate options with competitive interest rates tailored to your church's needs.
Mission-Focused
We understand the unique financial structure of faith-based organizations and tailor solutions accordingly.
All Property Types
Sanctuaries, fellowship halls, education buildings, multi-use facilities, and undeveloped land.
Multiple Loan Types
Purchase, refinance, renovation, new construction, and debt consolidation programs available.
Church Loan Programs
Financing solutions for every stage of your church's growth.
Church Purchases
Finance the purchase of a new sanctuary, worship center, or church property. Programs available for first-time buyers and growing congregations.
Church Refinancing
Lower your interest rate, reduce monthly payments, or consolidate multiple loans into one manageable payment.
Church Renovations
Upgrade your facilities, expand seating capacity, modernize audio/visual systems, or improve accessibility.
New Church Construction
Build from the ground up with construction-to-permanent financing that covers land acquisition through completion.
Debt Consolidation
Combine multiple loans, credit lines, and outstanding obligations into a single loan with better terms.
Land Acquisition
Secure land for future expansion or relocation with flexible financing options for undeveloped property.
How It Works
A simple, transparent process from consultation to funding.
Free Consultation
Share your church's vision and financial situation. We'll identify the best loan programs for your needs.
Pre-Qualification
We review your church's financials including tithes, offerings, and membership to determine eligibility.
Approval & Funding
Receive your loan approval and funding so your church can move forward with its mission.
Eligibility Requirements
General qualifications for church loan programs.
- Church or faith-based organization with 501(c)(3) status
- Minimum 2-3 years of operating history (some programs accept newer churches)
- Consistent tithes, offerings, and donation income
- Adequate membership attendance to support debt service
- Good organizational credit history
- Demonstrated financial stewardship and record-keeping
- Current financial statements and budget documentation
- Property appraisal (for purchase or refinance)
Apply Now
Fill out the form below and our team will contact you within one business day.
How It Works
A streamlined process from first conversation to funded loan.
Ministry profile
Share your church's history, attendance, giving trends, and the project you're financing.
Financial review
Submit 3 years of financial statements, current giving reports, and existing debt schedule.
Term sheet
Receive a tailored term sheet — purchase, construction, refinance, or renovation — including programs with no personal guarantee from the pastor or board.
Appraisal & approval
Special-use property appraisal ordered. Underwriting focuses on debt service coverage from giving, not collateral alone.
Closing
Close at title with full board resolution and corporate documentation. Many church programs require no personal guarantee from the pastor or board.
Frequently Asked Questions
Related Financing
Explore other financing solutions that pair well with this product.
Multifamily Financing
Competitive multifamily and apartment loans for 5+ unit properties. Long terms, attractive rates, and bridge-to-perm options through SixtyFour West.
Learn moreCommercial Real Estate Loans
Commercial real estate financing for office, retail, industrial, and mixed-use properties. Acquisitions, refinances, and value-add up to $50M with flexible terms.
Learn moreBridge Loans
Bridge loans for time-sensitive acquisitions, refinances, and repositioning. A yes or a no in 24 hours, with flexible terms across all property types.
Learn moreGround-Up Construction Loans for Investors
Ground-up construction financing up to 85% LTC. Land, vertical, and rehab in one loan with flexible draw schedules. Apply today with SixtyFour West.
Learn moreScreen your church loan deal in 60 seconds
Screen your deal in 60 seconds — indicative terms by email.
- ~60 seconds