BCLC logo
Apply Now
About Us

Why BCLC?

Financial Strength

Partners In Ministry

You want the financial strength and stability of a long-established bank. But you also want a partner in ministry that will believe in your church, care about more than the bottom line, and help bring your vision to life. In BCLC, you get all of the above.

Maybe you’re a new church plant. Maybe you’ve been ministering for years. Wherever you are on the journey, we want to be part of God’s plan for your church. Here are a few unique reasons why you should consider us:

  • Because we are a non-profit ministry, earnings are not paid to shareholders. 100% of net earnings is re-invested into the BCLC permanent fund and used to finance other church projects.
  • We care about more than just your church financing needs today. We focus on your long-term spiritual and financial health for years to come.
  • We specialize in church real estate loans so we understand the church as your business and understand your stewardship needs.
  • Based on Capital Adequacy Ratios, BCLC is at least 5 times stronger than most commercial banks.
  • BCLC’s capital position allows the ministry to offer lower rates than banks or other non-profit lenders.
  • No red tape or covenant reporting requirements.
  • A simple closing process with no loan origination fees or prepayment penalties.
church exterior at night time
Our Reach

States We Serve

BCLC was founded in 1952 with the purpose of serving Texas Baptist churches. Over the next 50 years, BCLC was able to help many churches within Texas borders. But beginning in 2013, God put it on the heart of our leaders to help churches outside of the state. In 2014, BCLC officially expanded to all states in the Southeast region. God opened another door for BCLC to expand again in 2017, and now BCLC serves Baptist and like-minded churches in over 30 states.

Testimonial

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.

It felt like a true partnership with BCLC because our goals were their goals. We love that they put Christ first in the financial world and give churches as many advantages as possible.
Executive Pastor David VogelTwo Cities Church
BCLC has been with us since day one when we bought our first church. This is a calling for them. Not a business opportunity, but a ministry opportunity.

Senior Pastor Raul ElizondoNew Life at the Cross Church
We were considering two other loan offers when we heard about BCLC at the last minute. Not only was their product financially favorable, but they structured it to grow as we grow.
Lead Pastor Josh MillerCenter Church
If we had been working with just a bank, everything would have been much more difficult. Having a partner in prayer and encouragement meant so much to us.
Executive Pastor Emeritus Jamye CappadonnaGrace Point Church
Let’s just say that we’re One Church…and we have one church lender. We’re very happy about that.
Pastor Brannan DuncanOne Church
But we especially like what we saw in BCLC itself…how it kept overhead low and how its income was reinvested in helping other churches.
Pastor Nick SandefurPorter Memorial Baptist Church
I have spoken to quite a few pastors and church leaders about BCLC. Anytime I hear of a church looking to build, I tell them about our great experience.
Pastor Glenn SandiferMt. Pleasant Baptist Church
Being a pastor for only four years at the time, I knew very little about the church loan process. BCLC walked me through every step and made the process stress-free.
Pastor Pat CammarataCarpenter’s Way Church
God could have done this anyway, but we’re utterly convinced that the Lord decided to use BCLC to help us.
Pastor Kirk FreemanCrossbridge Community Church
handshake between business partners photo
Let's Talk

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.

Learn More

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.

Get Started
BCLC blue logo
  • 8333 Douglas Avenue Ste. 1460
  • Dallas, TX 75225
Twitter Linkedin Youtube
Church Loans
About Us
Tools