Frequently Asked Questions

Who are you guys?

We are a permanent, non-profit church loan fund that has been serving churches for nearly 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.

What is your primary purpose?

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.

What types of loans do you make?

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.

What states do you currently serve?

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

How much can our church borrow?

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.

Do you take collateral on church loans?

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

How does our church start the process?

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

How much does it cost to send an application?

Nothing. Processing your loan request is free.

How long does it take to get a response?

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

What are your current rates?

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).