House of Worship Funding

Sourcing Comprehensive Commercial Capital for Faith-Based Infrastructure and Growth

Since 2008, we have been assist new and establish house of worship with a 501(c)(c) IRS designation secure funding for their operations. A house of worship real estate loan is a specialized commercial loan used by churches, temples, mosques, and synagogues to buy, build, or renovate religious properties. Because these properties are non-profit, unique-use buildings, traditional banks view them as higher risk.

To determine funding eligibility, the lender analyses the organization past profit margins, tithing and offering (donations), building funds campaigns, membership growth, and community impact. Underwriting for these loans is complex and typically takes 60 days to 6 months, requiring extensive financial history and board approval documentation.

Our Core Funding Programs

Standard / Conventional Funding (Up to $35M)

Designed for faith-based institutions with solid borrowing histories, strong revenues, and a 501(c)(3) designation.

Loan Amounts: $75,000 to $35,000,000
Flexible Uses: Purchase, New Construction, Refinance, or Renovations
Lender Protections: Up to 25% Loan-to-Value (LTV) options available
Favorable Structures: Long-term security with loan terms spanning from 5 to 30 years
Executive Perks: No personal credit checks, no upfront application fees, and no personal guarantees required
Timeline: Standard files typically close within 60 to 120 days from full package submission.

Quick Closing / Alternative Funding (Up to $1M)

Specialized alternative programs designed for houses of worship that have encountered financial hardships and find it difficult to secure traditional financing due to historical credit challenges.

Loan Amounts: $75,000 to $1,000,000
Credit Flexibility: Prior bankruptcies, foreclosures, or low minimum credit scores are openly accepted. Discounted note payoffs are also welcomed.
Streamlined Process: Requiring minimal documentation with zero upfront application fees or hidden large upfront costs.
Cash Flow Relief: Interest-only options are available to keep your initial monthly payments manageable.
Speed: Capital access and closing timeframes in as little as 2 weeks from package completion.

Pre-Approval Documentation Requirements

To analyze your scenario accurately and package your file for rapid lender matching, your organization will need to compile the following items:

Completed One-Page Application: Provided during our initial strategic intake review.
YTD Financial Integrity: Current Year-to-Date Profit & Loss Statement alongside an updated Balance Sheet.
Historical Statements: The last three consecutive years of your organization's Profit & Loss Statements and Balance Sheets.
U.S. Registration: Proof of active 501(c)(3) designation operating within the United States (We do not service foreign institutions operating outside the U.S.).

Page updated

Report abuse