Church loans to fit your ministry’s needs.

A church or ministry loan with CIF gives you the flexibility to finance—or refinance—your unique real estate needs. We provide church and ministry financing for facility renovations, upgrades, real estate purchases, new construction and seasonal cash flow needs.

Whatever the reason, these loan funds are made available by mission-minded individuals and organizations who invest with CIF. Because of this, when you choose to work with CIF, Kingdom expansion happens!

Check out some of the stories of churches and ministries that have worked with CIF--just like yours--from across the country.

CIF is vested in the success of your ministry because we share your Kingdom values. 

Here are the types of church and ministry loans we offer:

Construction Loan:

Perfect for the church or ministry needing to construct a new facility or remodel an existing structure, a CIF construction loan is a great way to finance your project. Throughout construction, funds are available to draw on—meaning interest is only charged on the amount drawn. After the construction period is over, your loan will automatically convert to a Real Estate Term Loan so there is no need to refinance and incur thousands of dollars’ worth of fees. This allows you to put those dollars directly into ministry (which is where they should be).

Real Estate Term Loans:

Whether your church or ministry is looking to purchase an existing structure or raw land, if you’re in need of a more long-term financing solution, we have you covered as well. CIF’s Real Estate Term Loans offer 10–25 year flexible financing terms with some of the most competitive rates and structures in the marketplace (and no prepayment penalties).

Refinance Loan:

Balloon coming due? Looking to accelerate your repayment and shorten the term? Tired of your bank only looking out for its best interest instead of yours? It might be time to move away from the lender who balloons your loan every five years and work with a proven partner in CIF who is passionate about providing you with not only favorable and competitive rates/terms, but who is also missionally aligned with you and passionately celebrates the savings you realize as a win for the Kingdom, as those dollars can be reallocated to Kingdom expansion!

Operating Line of Credit:

Many churches and ministries experience cash flow seasonality, and they find that having an operating line of credit available to them allows the ability to better plan and anticipate various fluctuations. Competitive, flexible terms and amounts up to $500,000 to meet your unique needs. Apply today! 

Keeping you on track.

Enter your variables and then click “Calculate” to view an amortization schedule and estimated monthly payment. 

This calculator is provided by an unaffiliated third party. While the calculations are believed to be reliable, we do not guarantee their accuracy. Actual results may vary, especially if any additional principal reductions payments are made. Please contact us for more information about your loan needs.

While providing the support you need.

We value relationships, not transactions.


Our team will help you make the best financial decision.

Church & Ministry Lending Experts:

Loans for churches and ministries is what we do; we’re experts at it.

Large & Small Solutions:

We tailor solutions to you--from under $100,000 to about $10 Million.

Church & Ministry Focused:

CIF solely focuses on church and ministry lending.

CIF Loans - people chatting outside service

CIF has been more than a financial partner where we have received very competitive interest rates …. CIF has been a partner in prayer, in advising, and in board development. I turn to them for ministry advice as well as financial counsel.

Herb Bloomquist,
Executive Director of Shamineau Ministries
Learn more about CIF's loan process.
Please select your denominational affiliation.
Affirm your ministry meets one of the following affiliations or associations

For your church or ministry to qualify for a loan from CIF, you must affirm each of the following:

• National Association of Evangelicals (NAE) Statement of Faith
• Your church or ministry must be a standalone 501(c)(3)  
• Your church or ministry must have a congregational form of governance
• Your church or ministry must own (not another entity like a denomination) your current property/facility or the one being considered for purchase

Thank you for visiting the CIF Loan Application page. We apologize, but you do not meet the requirements to continue the application process.

Begin the loan application process
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How Did You Hear About Us?

Contact Christian Investors Financial, at any time to discuss your financing needs. We are glad to help in reviewing potential loan options and answering any questions you may have about the loan application.