We go beyond financial ratios and consider your leadership, ministry impact, and growth potential for loan approvals. We accept loan applications from Baptist and like-minded churches.
We believe in providing churches with an honest picture of how much they can afford to borrow. Use our calculator tools and contact us for additional guidance.
BCLC does not charge any origination fees at loan closing.
None of BCLC loans are balloon notes. This means that churches are not required to refinance every three or five years.
There are no prepayment penalties. Our churches are free to pay down or pay off their loans as quickly as they would like.
BCLC does not require cash flow covenants that borrowers have to adhere to over the life of the loan in order to remain in good standing.
Pastors know that spreading word about BCLC also spreads the gospel. Check out these testimonials about our exceptional church loan services.
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.
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.