Church Loans

What is a Church Loan and Personal Guarantee?

A Church Loan is the specialized lending process religious organizations use to secure capital for major capital expenses as the purchase property, refinance existing debt, renovate facilities, expand ministry space, or support other major capital needs.

A Personal Guarantee is required when a lender wants to ensure the loan will be repaid even if the church itself fails or runs out of money. By signing it, you legally pledge your personal assets—like your savings, investments, or home—to cover the debt if the company defaults. For a smaller or younger churches with less than 2 years of operating history, the lender often require key board members or trustees to sign a personal guarantee.

Benefits

Loans from $1.1 to $35M
Loan Purpose: Purchase, New Construction, Refinance, or Renovation
No Personal Credit Checks
No Application Fees
No Personal Guarantees
Terms from 5 up to 30 years
501c3 designation
Location: United States only

Private Money Loan for Churches

The Private Money Loan is designed to help churches that have fallen into financial trouble and find it extremely difficult to obtain traditional financing due to a a negative credit such as a previous foreclosure or bankruptcy.

Acceptable Property Types: In addition to Churches, the Private Money option is offered to other properties directly operated and managed by the church. This includes Multi-Family, Office Buildings, Shopping Centers, Retail, Daycare, Conference Centers, Schools and Universities, Warehouses, Industrial Buildings, Medical Offices, and Renovation Loans.

Private Money Loans for Churches | How the Process Works:

Within one business day, we will analyze your initial application as well as any documents you provide to us free of charge. If we can help, we will issue a written proposal and send it to you detailing the rates and terms of the loan. When you accept the proposal, we will order the due diligence items like the appraisal and title work and close the loan.

Our process is designed with the borrower in mind. We give clear and concise answers in one business day and we do not charge upfront fees. Our lending partner have helped churches with IRS issues, bankruptcy, foreclosure, discounted note payoffs, bad payment histories just to name a few.

To get started all you need to do is download, complete, and email or fax our loan application. Click below.

Benefits

Loans from $75K to $1M
Purchase and Refinance
Bankruptcies and foreclosures are accepted
No minimum credit score
No application fees
Interest only options available to keep the payment low
No large upfront fees
Speed – Closings in as little as 2 weeks
Short term and long term loans
Discounted note payoffs are accepted
Minimal documentation

Loan Terms

Maximum loan to value of 60% on Private Money and 85% on good credit deals
Amortizations are flexible and include 30 years and interest only payments
Loans with no payments during the term are available (with proper exit strategy)
Interest rates vary depending on risk
Points vary depending on risk
No personal guarantees are generally needed on church loans

Propery types

Churches
Multi-Family
Office Buildings
Shopping Centers
Retail, Daycare
Conference Centers
Schools and Universities
Warehouses
Industrial Buildings
Medical Offices

How to Apply

Documents needed for a Pre-Approval:

One page application
Year-to-date Profit and Loss Statement with the Balance Sheet
Last three years of the Profit and Loss Statement with the Balance Sheet

Upon receiving your loan application package, we will review and provide a pre-approval if we are able to fund your loan request. If we are not able, then we will provide you our honest feedback with recommendations.

Disclaimer: Solution Financial Group is not a direct lender. All funding decisions are at the discretion of the lender. Advertised rates and terms are subject to change in accordance with lender policy.

Church Loans

What is a Church Loan and Personal Guarantee?

A Church Loan is the specialized lending process religious organizations use to secure capital for major capital expenses as the purchase property, refinance existing debt, renovate facilities, expand ministry space, or support other major capital needs.

Private Money Loans for Churches | How the Process Works:

Year-to-date Profit and Loss Statement with the Balance Sheet

Last three years of the Profit and Loss Statement with the Balance Sheet

Upon receiving your loan application package, we will review and provide a pre-approval if we are able to fund your loan request. If we are not able, then we will provide you our honest feedback with recommendations.