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Church Loans

Accelerating ministry vision

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Your vision. Our purpose.

Your vision of reaching communities and impacting eternity drives us to do what we do. As one of the nation’s largest providers of church loans, our purpose is to empower you and accelerate your growth.

With more than 75 years of experience in lending to churches and ministries, we understand your unique needs. Our competitive rates and flexible terms are designed to fit your unique needs. Let’s work together to find the best fit for you.

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Permanent Loans

Our focus is permanent, first-mortgage financing with flexible terms and competitive rates to help you purchase facilities or refinance existing loans without short-sighted balloon notes that can leave ministries financially vulnerable.

Start Your Loan Inquiry

Construction Loans

Whether new construction or a renovation, making interest-only payments during the project eases cash flow. After construction, there is a guaranteed conversion to permanent financing with competitive rates at no-cost.

Start Your Loan Inquiry

Credit Lines

This is a convenient and customized alternative for short-term expenses, smaller renovation projects, and ongoing cash flow needs.

Start Your Loan Inquiry

Vision Loans

For large churches with a God-size vision, we developed a way to have an available war chest of resources to buy a new campus, build a new facility or refresh an existing building. Specifically built for the church to have resources at their disposal for when God opens a door and time is of the essence.

Start Your Loan Inquiry

PAC Startup Loans

The PAC Startup Loan was created to empower churches looking to plant a daughter church or revitalize a daughter church. Often, a parent-affiliated church (PAC) is an effective way to reach more of the larger geographic community, and we have a financing package designed specifically to help make that strategy a reality.

Start Your Loan Inquiry

Facelift Loans

Every church has “opportunity areas,” like when the parking lot needs resurfacing yesterday, your lobby interior resembles a nursing home, and the only equipment you have for live-streaming services is your iPhone. Our new Facelift Loan is designed to help you with a quick win while keeping cash in the bank and holding fundraising for larger future needs.

See how easy it can be to secure financing for your quick win.

Start Your Loan Inquiry

Your vision. Our purpose.

Your vision of reaching communities and impacting eternity drives us to do what we do. As one of the nation’s largest providers of church loans, our purpose is to empower you and accelerate your growth.

With more than 75 years of experience in lending to churches and ministries, we understand your unique needs. Our competitive rates and flexible terms are designed to fit your unique needs. Let’s work together to find the best fit for you.

Find a Consultant Call us Email us

Permanent Loans

Our focus is permanent, first-mortgage financing with flexible terms and competitive rates to help you purchase facilities or refinance existing loans without short-sighted balloon notes that can leave ministries financially vulnerable.

Start Your Loan Inquiry

Construction Loans

Whether new construction or a renovation, making interest-only payments during the project eases cash flow. After construction, there is a guaranteed conversion to permanent financing with competitive rates at no-cost.

Start Your Loan Inquiry

Credit Lines

This is a convenient and customized alternative for short-term expenses, smaller renovation projects, and ongoing cash flow needs.

Start Your Loan Inquiry

Vision Loans

For large churches with a God-size vision, we developed a way to have an available war chest of resources to buy a new campus, build a new facility or refresh an existing building. Specifically built for the church to have resources at their disposal for when God opens a door and time is of the essence.

Start Your Loan Inquiry

PAC Startup Loans

The PAC Startup Loan was created to empower churches looking to plant a daughter church or revitalize a daughter church. Often, a parent-affiliated church (PAC) is an effective way to reach more of the larger geographic community, and we have a financing package designed specifically to help make that strategy a reality.

Start Your Loan Inquiry

Facelift Loans

Every church has “opportunity areas,” like when the parking lot needs resurfacing yesterday, your lobby interior resembles a nursing home, and the only equipment you have for live-streaming services is your iPhone. Our new Facelift Loan is designed to help you with a quick win while keeping cash in the bank and holding fundraising for larger future needs.

See how easy it can be to secure financing for your quick win.

Start Your Loan Inquiry

When you’re ready to grow, we’re ready to help.

  • Construction Services

    Our professional construction consultation has saved numerous churches hundreds of thousands of dollars in unnecessary expenses and fees.
  • Dedicated Support

    You have a dedicated consultant ready to answer questions, hear your dreams, and simplify the financing process. Since we lend directly to you, there are no broker fees.
  • Strength in Numbers

    In the past three years, AGFinancial has funded more than 432 loans, increasing our current lending portfolio to over $1.7 billion.

Our Simple Church Loan Process

Complete the brief Loan Inquiry Form, and we will contact you to discuss your specific needs.

Complete Form

In preparation for your loan, your loan consultant will talk with you to get a picture of your ministry and needs. This information will be used to guide you to the best loan solution for your ministry. Topics for discussion may include the following:

  • Goals and purpose for the loan
  • Description of your ministry
  • Current weekly attendance
  • Current financial situation
  • Estimated property values
  • Current mortgage information

Once your loan consultant learns about you and the unique needs of your ministry, they will make recommendations for the best custom solution. To make the process as easy as possible, they will also walk through:

  • Who we are, our values, and what we stand for
  • The differences between residential and commercial mortgages and typical terms
  • Options and rates based on qualifications and initial fees
  • Closing process and construction draw process

After a loan solution is determined, the loan application will need to be completed. Your consultant will assist you with any questions you may have, review the application, and submit it for review.

Upon approval of your loan request, your consultant will provide you with a letter of approval containing the final loan amount, terms, and conditions. Your loan will be scheduled for closing once you have accepted and signed this letter.

The team at AGFinancial exceeded our expectations! We have a growing multisite church, and need a lender that is flexible and creative. AGFinancial has reduced our costs, but more importantly, has enabled us to continue pursuing the vision God has given us!

—Troy Maxwell, Freedom House Church, Charlotte, NC

Testimonials found on this site are examples of what we have done for other clients, and what some of our clients have said about us. However, we cannot guarantee the results in any case. Your results may vary and every situation is different. No compensation was provided for these testimonials.

Frequently Asked Questions

We offer a full range of loans:

  • Permanent loans
  • Construction loans
  • Credit lines
  • Vision loans
  • PAC Startup Loans
  • Facelift Loans
  • Custom-tailored loans to fit your ministry needs

Visit our Church Loans page to learn more.

Learn More

We offer a range of options based on the needs of your church. To learn more about loan options, read our resource "How to Shop for a Church Loan".

Read the Article

In the world of commercial lending, a long-term, fixed-rate mortgage loan generally does not exist. Lenders often use the term “fixed-rate” to draw potential borrowers to short-term loans. However, even though the rate is fixed, it is only for that short-term. At the end of the term, the full loan amount must be paid. This large final payment is called a balloon payment.

In contrast, we offer long-term permanent loans, which provide stability to churches and ministries. Our mortgage terms are up to 25 years, with rate adjustment periods of one, three, five, or seven years. We also provide interest rate caps on how high your rate can go—a guarantee you will not find with short-term mortgage loans.

A portion of your mortgage interest dollars go to the support of churches and ministries across the country, helping them to grow and advance the Kingdom. With AGFinancial, you have a partner in ministry whose values align with yours, and you can be assured that your interest dollars contribute to ministry growth.

With a construction loan, the total loan amount is approved at closing, and all documents are prepared and signed at closing. The church can then borrow up to the approved amount during construction by drawing funds from our office. These draws are reviewed by our Construction Loan Project Manager, who will ensure that the amount is in line with the work being completed. At the end of each month, the church is billed only for the interest due on the amount that has been drawn up to that point. Our Lender Representative may visit the site to meet with the owner and General Contractors and to help facilitate keeping the project on schedule and on budget. This service is included in the loan fees. When construction is done, the loan is transitioned over to a permanent loan with regular monthly payments.

We attempt to establish property values through tax records, insured values, real estate market analysis, and other methods. However, on new construction loans over $1 million or when the collateral ratio appears to be outside our policy levels, we may need an appraisal. In most cases, a summary appraisal is enough.

We will need a Schedule of Values form (firm cost estimate with specific line items for cost overruns and contingencies), architectural drawings, a floor plan with elevations, and other documents as needed.

We will use the district’s Articles and Bylaws.

As a rule, with complete information and documentation, a loan can be approved within 30-45 days and funded within 30-45 days following approval. This timeframe varies based on schedules and how quickly third-parties such as title companies and appraisers complete their work. Turning in all documentation with your application and staying in touch with the escrow company helps prevent delays.

Terms can be as long as 25 years. However, we often advise against such long terms because of their higher interest cost to the church over the life of the loan.

AGFinancial investments provide a dual return-competitive return on investments for investors and a return for the Kingdom through financing growing churches.

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