The handful of ideas behind every church loan.
No jargon for its own sake. Each lesson takes one thing a lender cares about and makes it yours — with the math shown and a tool to try it on your own numbers.
How to Calculate a Church Loan Payment
Before you fall in love with a building, learn the one number that decides whether you can keep it: the monthly payment.
What Is Church Cash Flow?
Lenders call it “Banker’s Cash Flow.” It’s the most important number your church can track — with or without a loan.
Understanding Your Debt Service Ratio
One ratio tells a lender whether your church can comfortably carry a loan. Here’s how to read it the way they do.
Common Church Loan Requirements
What lenders ask for is predictable. Walk in with the file already built and you change the entire conversation.
Loan Term vs. Amortization: Balloons, SWAPs & Maturity
The structure of a church loan can matter as much as the rate. Know the difference between when payments are calculated and when the loan comes due.
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.