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       Easy Qualifier Church Financing Program:


A type of church financing that is used when a church is generally used when a church is growing quickly and does not have the income to be able to afford the loan they are currently looking to borrow but will though continued growth.  In most cases, this type of loan does not require personal guarantees.


 Traditional Church Financing Program.


This is our most frequently used type of church financing and has fixed terms ranging from 5 years to 20 years with amortizations ranging from 15 to 30 years.  This church financing program generally offers the best rates and terms available and loan to values can go up to 80% with combined loan to values of up to 90%.  This type of church financing does not generally require personal guarantees.

 90% church financing purchase program.


This church financing program is generally used when a church does not have the required down payment to purchase a property.  In general we will provide a first trust loan for between 70% and 80% of the purchase price and the seller, church member, or other entity will provide the remaining financing. Sanctuary Saver.


This church financing program is used when a church finds itself in trouble with its current lender.  The church may be behind on payments or even facing foreclosure.  Although this program has higher interest rates and shorter loan terms, payments can be made on an interest only basis.  Qualifying for this type of church financing program requires that the church be able to demonstrate a plan to improve the position of the church or sell the property.

 Up to 100% church financing for construction.

This church financing program allows a church to finance the construction of a new building on land they already own.  The amount of church financing that can be provided towards the cost of the construction is limited by the value of the land and the completed value of the project as well as the amount the church can afford.  If the church is looking to purchase land in conjunction with construction then the loan to cost is generally 80%.

This church financing program is used to help smaller churches get the financing they need.  We offer loan amounts as low as $75,000 and in cases where a church is in trouble we will even go lower.  This type of church financing is great for small churches that are looking to borrow small amounts of money.  Loans are generally fixed for 5 years and amortizations range from 15 to 25 years.

We are church financing experts; we analyze, underwrite and close more church loans every year than most banks in the country.  If you are looking for church financing for a project and the church has been in business at least 3 years and the loan amount is $75,000 or greater we want to help.  On average we close over $100,000,000 a year in Church loans  





Serving Greensboro, Winston Salem & High Point, North Carolina. Since 1999

The Triad  # 1 Small Business & Church Lending Resource    

855-768-0933     336-768-0936

3516 Vest Mill Rd Winston Salem NC 27103


email: firstmerchantsfinancialteam@gmail.com