What ChurchLend is, and what it isn't.
What we are
An independent platform that helps congregations evaluate loan readiness and connects them with vetted financing partners. We build calculators, a readiness assessment, a lender directory, a grants database, and editorial guides.
What we are not
Not a lender. We do not originate, fund, service, or guarantee loans, hold deposits, broker loans, or provide financial, legal, or tax advice. Content here is educational. Actual loan terms depend on a lender's underwriting of your specific church.
The three ways we may earn money.
Any one, none, or all of these may be active for a given lender or partner at any time. The presence or absence of a paid relationship is not a quality signal.
Affiliate / referral fees
When a church we connect with a lender completes a loan, that lender may pay ChurchLend a referral fee. The fee does not change the rate, fees, or terms the church receives. It is paid out of the lender’s own acquisition budget.
Partnership / listing fees
Certain lenders may pay to be highlighted as partners or to appear in featured placements. Where this is the case, the placement is labeled. Whether a lender pays does not determine whether they appear in the directory or their editorial rating.
Advertising on adjacent products
We may run ads or sponsored content on non-editorial surfaces such as the newsletter or future paid products. Sponsored content is always labeled as such.
What "vetted partner" actually means.
Lenders described as ChurchLend partners have been reviewed against our methodology and have agreed to a basic standard of conduct with churches we refer: responding to inquiries within a reasonable window, not engaging in bait-and-switch pricing, and honoring the loan ranges and terms they list publicly.
Partner status reflects a working relationship. It is not a guarantee of approval, rate, or fit for your specific church. We can introduce you; we cannot underwrite for the lender.
How to spot a paid placement on this site.
Look for these three signals. If you see content that should carry one of them and doesn't, tell our editorial team.
On lender directory listings where ChurchLend has an active partnership with the lender.
On articles, sections, or surfaces that are sponsored rather than independent editorial.
On any editorial page where a paid relationship could reasonably appear to influence the content.
Your choice of lender is yours.
ChurchLend can introduce, educate, and compare. We can show you what the seven factors lenders weight look like for your church and run the math on what a loan would cost. We cannot make the borrowing decision for you, and we will never push you toward a specific lender for revenue reasons.
You are free to take an introduction from us and go elsewhere. You are free to ignore our rankings. You are free to contact any lender directly without going through ChurchLend at all.
Questions or concerns?
This disclosure is reviewed and updated at least annually, and immediately when our compensation arrangements materially change. If you believe a piece of content on ChurchLend fails the standards described here, write to us at our contact page and we will investigate.
For our broader editorial standards and the math behind our ratings, see our methodology.