Sourcing Comprehensive Commercial Capital for Faith-Based Infrastructure and Growth

Supporting faith-based organizations requires a deep, respectful understanding of unique community dynamics, religious real estate structures, and institutional underwriting. As a USAF Veteran and the CEO of Solution Financial Group, I act as an independent funding consultant to bridge the gap between religious organizations of all faiths and diverse commercial lending networks.

Whether your congregation is looking to acquire land, construct a new house of worship, renovate an existing facility, or restructure debt, I do not use a one-size-fits-all approach. I analyze your specific scenario, educate your board on the best available financing paths, and package your files for underwriting success. By utilizing an extensive network of specialized institutional and private lenders, I can source flexible pathways for churches with strong financial histories as well as organizations facing complex credit challenges.

Our Core Funding Programs

Standard / Conventional Financing (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 Financing (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. [1]

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.).

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.

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