Step 1 of 2 Church Profile ~5 min left

Church Loan Readiness Assessment

Church profile

The basics lenders ask for first: size, tenure, and what you need.

Church name*The legal or commonly-known name of your congregation.

How long established?*The year your church was officially founded.

Senior pastor tenure*How long your current senior pastor has served.

Average weekend attendance*Total adults and children, in person and online combined.

Denomination / affiliation*Choose the closest match.

Current property status*Where your congregation currently meets each week.

What is the purpose of the loan?*A rough idea. You can refine this later in your conversation with a lender.

Loan amount requested*How much you want to borrow. A round number is fine.

Are you currently working with a bank or a loan broker?*So we know who else is already involved.

Point of contact

Who should we reach out to about your assessment?

Contact name*The person we'll send the readiness report to.

Title*Their role at the church.

Email address*Where we'll send your finished readiness report.

Phone number*Best number to reach a decision-maker.

Church address

Where the congregation meets. Lenders price by market, so this shapes your result.

Church address*Start typing: we'll auto-fill city, state, and zip from Google.

City*

State*

Zip code*

Your information stays private. We never share financials with lenders without your explicit permission.

What the assessment measures

Our church loan readiness assessment evaluates your congregation on 7 factors that lenders look at when reviewing a church loan application. Each factor is scored individually, then combined into an overall readiness score from 0 to 100.

Collateral / LTV (25 pts)

Loan-to-value ratio. Most church lenders cap at 65 to 75%. A lower ratio means less risk for the lender and better terms for your church.

Debt Service Coverage (25 pts)

Can your church’s cash flow cover the new debt payments? Most lenders want a DSCR of 1.20x to 1.25x or higher, meaning net income covers the payment with 20% to 25% to spare.

Organizational Stability (20 pts)

Based on how long your church has been established and senior pastor tenure. Longer track records signal lower risk to lenders.

Cash Reserves (10 pts)

Months of operating expenses held in cash and investments. Lenders prefer 3 to 6 months of reserves as a financial safety net.

Congregation Size (10 pts)

Average weekend attendance. More giving units reduce concentration risk, so the church isn’t dependent on a few large donors.

Giving Trend (5 pts)

Is giving growing, stable, or declining? An upward trend signals financial health and community engagement.

Capital Campaign (5 pts)

Whether the church has an active campaign with documented pledges, is considering one, or has none. Documented pledges reduce how much a lender has to finance.

After completing the assessment, you'll receive a detailed breakdown with your score for each factor, personalized coaching tips on how to improve weak areas, and an overall readiness grade that indicates how likely you are to qualify with one or more church lenders.

Your information is 100% confidential. We only share your data with lenders you explicitly choose to connect with.