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Church Commercial Loans & Mortgages

Commercial Loan Direct finances churches, ministries, and faith-based campuses nationwide with low closing costs and transparent terms.

Church commercial loan financing

Secure competitive church commercial loans for purchasing a sanctuary, refinancing an existing mortgage, or funding construction and renovations. Our church lending team understands donation-driven cash flow, board approvals, and seasonal giving patterns.

Ideal for: sanctuaries, fellowship halls, classrooms, daycare wings, parsonages, and multi-campus ministries.

Church Financing Programs Overview

Choose between tax-exempt style bond financing or conventional bank options, both tailored to the needs of faith-based organizations.

Bond Financing Option
Term: 15-year to 25-year term (fixed interest rate)
Amortization: 15-year to 25-year amortization
LTV: Approximately 75%, supported by book value or appraisal
Other Features: Interest-only options available
No depository relationship required
No pre-payment penalty
No personal guarantee required
Open-ended mortgage allows for future borrowing without disturbing original loan
Conventional Bank Church Option
Term: 5-year term (fixed or floating interest rate)
Amortization: 10-year to 30-year amortization
LTV: Approximately 75%, supported by appraisal
Other Features: Interest-only options available
Depository relationship
No pre-payment penalty except from external borrowed funds for the first 3 years
No personal guarantee required
Church Loan Parameters
33% Test: Ratio of annual mortgage payments to annual receipts
75% loan-to-value ratio: Percentage of the loan to the value of existing buildings, land and project being financed by loan
LTV: Approximately 75%, supported by appraisal
Minimum loan amount requirement: a. Bond financing option = $1,000,000
b. Conventional bank financing option = $700,000
Other Parameters: Fixed price contract and bondable contractor required on all construction projects.
Analysis of historical and projected debt service coverage

Church Loan Highlights

  • Competitive fixed or floating rates with interest-only options during build or renovation.
  • No personal guarantees required in most cases; focus stays on church strength and collateral.
  • Rate locks available to protect against market moves before closing.
  • Streamlined checklist and clear milestones from term sheet through funding.
  • Nationwide lending for established congregations and growing ministries.

Eligibility Snapshot

  • Generally 3+ years operating history (new church plants considered with strong sponsorship).
  • Board-approved borrowing resolution and evidence of stable giving/attendance trends.
  • Collateral can include sanctuary, classrooms, daycare facilities, land, and parsonage.
  • Minimum loan sizes: $1,000,000 (bond) and $700,000 (conventional).

How to Get Started

  1. Request a quote using the form above or call our church lending desk.
  2. Share recent financials, giving trends, property details, and any existing notes.
  3. Receive a tailored term sheet outlining structure, rate options, and timelines.
  4. We coordinate appraisal, title, and closing with your board and counsel.

FAQs About Church Commercial Loans

Recent financial statements, giving or attendance trends, board resolution to borrow, property photos, and copies of existing notes or mortgages.

Yes. Both bond and conventional options can include interest-only periods during construction, renovation, or the early years after closing to match cash flow.

Absolutely. We regularly refinance church mortgages to reduce rates, extend amortization, or remove personal guarantees where possible.

Bond financing starts at $1,000,000 and conventional bank financing starts at $700,000; larger deals are available for multi-campus ministries.

Please note this is a general summary of terms and not a formal loan commitment. Formal credit approval and satisfactory due diligence are required.

Get A Free Quote

Get a free commercial loan quote. This process does not affect your credit score.

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What Clients Say About Us

Our Reviews

Unfiltered Reviews
Fernando and Leanne are Amazing

Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever

- Nirav Patel

She Took Care of All My Needs

If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.

- Vincent Arias

Commercial Loan Direct Streamlined the Whole Process

We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them

- Rita Pisarski