A guide for the conversation no pastor was trained for.
Church Loan Tools exists for one reason: church leaders make some of the largest financial decisions of their lives with the least preparation for them — and they deserve better than to learn the rules mid-application.
The problem we kept seeing
Faithful, capable leaders would sit down with a lender and get buried — in coverage ratios, balloon maturities, and add-backs they'd never been taught. Good churches stalled good projects, not because the numbers didn't work, but because no one had shown them how the numbers worked.
So we took the calculations lenders actually run to size and approve a church loan, and rebuilt them for the people on the other side of the table. Same math. Different audience.
What you'll find here
Four free calculators and a short shelf of plain-spoken lessons. Together they answer the questions a lender will ask before you walk in: What's the payment? Can we carry it? How much can we borrow? Is our coverage where it needs to be?
You bring the vision and the numbers from your own statements. We'll make sure you understand every figure you put on the table.
Stewardship first
Every figure here points back to one question: can your church carry this well, for the long haul? Growth that strains the ministry isn't growth.
Plain language, always
If a banker's term shows up, it gets defined on the spot. You should never have to nod along to words you don't own.
No funnel, no catch
There’s no account to create, no data collected, nothing sold. The tools work in your browser and the numbers stay with you.
The same math lenders use
These aren’t ballpark gadgets. They run the payment, cash flow, and coverage formulas an underwriter runs — so there are no surprises later.
These tools and lessons are educational. They give you sound estimates and a real working knowledge of how church lending is evaluated. They are not a loan offer, a commitment to lend, or financial, legal, or tax advice. When it's time to borrow, take these numbers to a qualified lender and advisor who can look at your full situation. You'll be the most prepared person in the room.
You don't have to become a banker to lead well here.
Run the numbers a lender will, and walk in already knowing where your church stands.