About Us


Most Popular Questions

We are a permanent, non-profit church loan fund that has been serving churches for more than 70 years. BCLC Church Lending accepts loan applications from Baptist churches, which cooperate with their local Baptist association or their state Baptist convention, and from BCLC Supported Churches as defined in our Vision, Mission, & Core Beliefs.

To help churches make good financial decisions in regards to borrowed funds. Our loan products give our customers the opportunity to have efficient and affordable church real estate loan options.

We make loans for numerous purposes such as land and church building purchases; remodeling and renovation projects; construction of a church sanctuary, educational building, children’s building or family life center; and refinancing of existing debt. See Loan Types.

We currently serve in over 30 states throughout the United States.

There is a borrowing capacity calculator that can give you an estimate, but the only way to get a true borrowing capacity amount for your church is to complete and send a church loan application to our office.

Yes. We take first lien on all church land and improvements.

The Pastor or Church Business Administrator simply completes the application and emails it to BCLC Church Lending. See Apply Now.

Nothing. Processing your loan request is free.

When we receive your church’s completed loan application, we will contact your church either by email or phone within two to three days.

Please call 844-273-7713 for our current one-year, 3-year, and 5-year fixed interest rates. Rates are fixed for the elected term and will adjust to BCLC’s current rate on the adjustment date. Although the rate adjusts on the adjustment date, the loan is not due until the maturity date (i.e. the loan balance will be paid off over a 20-year period).

No. We only make loans to incorporated churches for real estate purposes.


Hear from the People We Serve

Pastors know that spreading word about BCLC also spreads the gospel. Check out these testimonials about our exceptional church loan services.

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Kingdom Growth

Whatever your needs and ministry goals are, contacting us is the first step to achieving your vision and God’s plan for your church project. Let’s get started.

God Has a Plan for Your Church. Ready to Grow?

There’s nothing more exciting than watching God’s plan for your church unfold. Let our church loan expertise of over 70 years help you get there.