Financing Your Church Building Project

Since 1970, we at Share Financial Services, Inc. have accumulated a wealth of knowledge and experience that we would like to share with you and your Church regarding Church Bond financing and financing your Church building project. From helping determine how much your Church can borrow, to guidelines on avoiding funding pitfalls, to a comparison of Church Bond financing to more common methods of Church financing, you can count on Share Financial Services, Inc. as your Church financing partner.


We would like to share some of that Church lending knowledge and experience, which we hope is helpful:

  1. Work with a lender that has demonstrated an understanding of Church financing. Ask that firm how their particular Church loan differs from a conventional commercial loan. These differences can have a major impact on future costs, and your Church’s autonomy to efficiently manage its future operations and missions.
  2. Be certain that you have your financing firmly in place, and in writing, prior to beginning your building project. This will ensure that your project is started and completed in a timely and orderly fashion. Hopefully, this may help to avoid costly delays and the inconvenience of subcontractor liens being filed.
  3. Prior to tendering escrow dollars under an agreement to purchase land or other real estate, be aware of entitlement, zoning, and environmental issues. An experienced Church lender should be able to assist your Church with these and other matters.
  4. Ask the lender for references from other Churches with projects of similar size and scope. These references should help you select the right financing partner to help your project run as smoothly as possible.
  5. Select a lender that has the skill, knowledge and expertise regarding Church operations and ministries, and experience in Church lending. Inquire as to the number of years that they have been lending to religious organizations, the number and size of the Church loans that have been made, and how large is their full-time Church lending staff.
  6. Select an experienced Church lender that can serve as a consultant, and can be a referral source for other Church industry professionals, such as fundraisers, architects, Certified Public Accountants, contractors and Church growth planners.
  7. Avoid mortgage brokers and lenders that ask you to pay a deposit prior to analyzing a loan application and offering a financing commitment. Your Church should not have to pay a fee prior to your reviewing the terms and conditions of a firm financing offer.
  8. Meet with your prospective lender to discuss the size and scope of the building project prior to spending large sums of money for architectural designs that may be too costly to build.
  9. Do not rely on the sale of your current Church facility, capital campaigns or other uncertain future events in order to provide the funds to complete construction of your project. Circumstances beyond your control could disrupt your financial plans.
  10. Select a lender that has demonstrated years of consistent Church lending. A new firm in the Church financing industry may not be there when you need to refinance or begin the next phase of your project.

Contact Martin Northern, Vice President of Share Financial Services, Inc. at (501) 316-3100, by email at or by clicking the Get Started link on this web site if your Church would like to consider a Church Bond program as an alternative to conventional financing. By simply answering the questions on the Get Started page, we can begin to assist you in the initial stages of launching your Church into a successful Church Bond program. After receiving the completed the form,  we will review your Church information and send you the official Share Financial Services, Inc. Preliminary Information Form and begin by assisting you and your Church with Share’s financial evaluation process.