Question 1

What types of organizations do you fund?

Accepted Answer

We fund a wide range of faith-based and mission-driven organizations, including Churches, Mosques, Synagogues, Temples, Gurdwaras, Religious Schools, Faith-Based Nonprofits (501c3), Ministries, and Funeral Homes. We serve all religious traditions and denominations across all 50 states.

Question 2

Do you require personal guarantees from board members?

Accepted Answer

In many cases, no. We understand that religious organizations are governed by boards and that individual members should not carry the liability. However, for certain products or weaker credit profiles, a limited guarantee may be discussed. We always strive for non-recourse options first.

Question 3

How do you view tithes and offerings as income?

Accepted Answer

We understand the donation-based revenue model. Unlike traditional banks that may view voluntary donations as 'unstable,' we view consistent tithe history as a strong indicator of community support and financial health. We analyze 12-24 months of giving records to establish income stability.

Question 4

Can you help if we have bad credit or a past bankruptcy?

Accepted Answer

Yes. We have specific programs for 'challenged credit' scenarios. We look at the whole picture — especially the value of your real estate assets and your current cash flow — rather than just a credit score. Past bankruptcies do not automatically disqualify your organization.

Question 5

What can the funds be used for?

Accepted Answer

Funds can be used for almost any business purpose: purchasing new property, renovating existing buildings, buying equipment (audio/visual, vehicles), covering payroll during slow seasons, refinancing high-interest debt, or launching new community programs.

Question 6

Is there an upfront fee to apply?

Accepted Answer

No. Applying for funding with Faith Capital Funding is completely free. We do not charge upfront application fees. Any closing costs or origination fees will be clearly disclosed in your loan offer before you sign anything.

Question 7

How quickly can we get approved and funded?

Accepted Answer

Our fastest approvals can come in as little as 24 hours for certain working capital products. Real estate-secured loans typically take 2-6 weeks from application to closing depending on the complexity of the transaction, appraisal timelines, and title work. We work urgently on rescue and emergency situations.

Question 8

What loan amounts do you offer?

Accepted Answer

We offer financing from $50,000 up to $10,000,000 and beyond for qualified organizations. The loan amount is determined by your organization's income, the value of any collateral, and the specific product. Contact us to discuss your specific funding need.

Question 9

Do you lend to churches that are in foreclosure or financial distress?

Accepted Answer

Yes. Our Rescue & Renewal Department specializes in exactly these situations. We have helped hundreds of faith communities avoid foreclosure, restructure unmanageable debt, and find a path to financial stability. Time is critical in these situations — contact us immediately.

Question 10

What documents do you need to start the process?

Accepted Answer

To get started, we typically need 12-24 months of bank statements, your most recent tax returns (if filed), a current membership or attendance roster, a brief description of your funding need, and basic information about any real estate you own. We keep the initial process simple and will guide you through any additional requirements.

Question 11

Do you work with brokers and loan officers?

Accepted Answer

Absolutely. We welcome referrals from commercial mortgage brokers, business loan brokers, and financial advisors. We offer competitive referral fees and a streamlined process for broker-submitted deals. Contact us to discuss our broker program.

Question 12

What states do you lend in?

Accepted Answer

We are a nationwide lender serving all 50 states. Whether your organization is in New York, Texas, California, Florida, or anywhere in between, we can help. We understand that faith communities exist in every corner of the country and we are committed to serving them all.

Question 13

Can we refinance our existing church mortgage?

Accepted Answer

Yes. Church refinancing is one of our most popular services. We can help you lower your interest rate, reduce monthly payments, access equity for improvements, or restructure a balloon payment that is coming due. Many churches save thousands of dollars per month by refinancing with us.

Question 14

What interest rates do you charge?

Accepted Answer

Interest rates vary based on the loan product, loan amount, term, collateral, and your organization's financial profile. We work with a network of lenders to find the most competitive rate available for your situation. We are always transparent about rates and fees — you will know the full cost before you commit.

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