Should your church choose Faith Based Funding?

Faith Based Funding operates as a church loan broker and educational content site at faithbasedfunding.com. The firm's published positioning is that the founders spent careers in commercial banking before turning to church lending. That commercial banking experience is the core value proposition: knowing how to package a church loan application for institutional underwriters in ways pastors typically do not. The firm acts as a consultant and advocate, packaging the loan, presenting it to lenders in the network, and seeing the process through to funding rather than holding loans on its own balance sheet.

The institutional history is murkier than the marketing implies. The previously listed 2010 founding year is not corroborated by Faith Based Funding's own materials or by Florida business filings, which suggest the entity (FAITHBASEDFUNDING LLC, document L22000417714) was filed in 2022. The founders' commercial banking careers may extend further back, but the firm itself is much newer than 2010. Treat the institutional tenure accordingly.

The site is structured more like an educational lead-gen operation than an institutional lender or broker with a published track record. There are substantial guides on church loans, church lenders, and product-specific topics (mortgages, construction, refinancing, equipment, vehicle, lines of credit), plus a blog and newsletter. For a first-time church borrower doing due diligence on the lending process itself, that educational layer is useful even if you ultimately work with a different lender.

The product scope is broader than typical church lenders. Beyond church real estate, Faith Based Funding addresses equipment financing, vehicle loans (buses, vans, cars, trucks), and lines of credit. For a church with multiple capital needs at once (real estate plus AV equipment plus a new bus), the multi-product approach can simplify the broker conversation.

The transparency gaps are real. We could not verify cumulative loan volume, number of churches served, named capital partners, named team members, BBB rating, or licensing disclosures. The Jacksonville address is in 301 W Bay Street, Suite 14117, a building that hosts Regus virtual and coworking offices, suggesting a smaller operational footprint than the marketing implies. The phone number uses a Colorado area code despite the Florida HQ. None of this disqualifies the firm, but it does mean direct due diligence (references, conversations with prior borrowers, transparent fee disclosure) is more important here than for institutional lenders.

Our recommendation, in one sentence: shortlist Faith Based Funding only as one of several inputs if you are a first-time church borrower who values educational guidance and application packaging help, and budget for the lender of record being someone else. Run the ChurchLend readiness assessment first so you walk into the conversation already understanding the seven factors any lender will weigh.