
We score every church lender on the same seven underwriting factors lenders themselves use. Here's the short answer first.
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.
Faith Based Funding's published positioning is that the founders spent careers in commercial banking before turning to church lending. That experience translates into knowing how to package an application for institutional underwriters in ways pastors typically do not.
The site features a 3-minute online application that produces a basic profile to start lender conversations. That removes friction for first-time church borrowers who do not know what to expect from a typical commercial loan application.
The site includes guides on church loans, church lenders, and product-specific explainers (mortgages, construction, refinancing, equipment, vehicle, lines of credit). For a church board doing due diligence on the lending process itself, the educational layer is meaningful even if you ultimately work with a different lender.
Beyond church real estate, Faith Based Funding works on equipment financing, vehicle loans (bus, van, car, truck), and lines of credit. Useful for churches with multiple capital needs at once.
The previously listed 2010 founding year is not corroborated by Faith Based Funding's own materials or by Florida Sunbiz business records, which suggest the entity (FAITHBASEDFUNDING LLC, document L22000417714) was filed in 2022. The founders cite long careers in commercial banking, but the firm itself appears to be more recent than the 2010 claim suggests.
The site is structured more like a content-driven lead-gen operation than a lender or broker with a published track record. No cumulative loan volume, named capital partners, named team members, licensing disclosures, or testimonial volume metrics are public. That is a transparency gap to weigh.
The Jacksonville, FL address is in the 301 W Bay Street tower (suite 14117), consistent with a Regus virtual or coworking office. The phone number uses a Colorado area code. That does not invalidate the firm but does suggest a smaller operational footprint than the marketing implies.
We could not locate a BBB profile for Faith Based Funding in Jacksonville, FL. Smaller broker operations often skip BBB, but it is one less third-party signal.
Compared against typical commercial-bank terms for church loans of similar size.
Mortgages, construction, refinancing, and renovation loans. Standard church real estate products placed through the firm's lender network.
Loans for ministry equipment outside real estate. Useful when AV, technology, or other capital purchases are part of a broader capital plan.
Financing for buses, vans, cars, and trucks used in church operations. A specialty most church lenders do not address.
Revolving credit lines for short-term cash flow needs. Useful for operating bridges or capital expenditures that do not warrant a full mortgage.
3-minute online application produces a basic loan profile. No upfront fee at this stage.
Faith Based Funding packages the application and presents it to lenders in their network.
Lender (not Faith Based Funding) underwrites the loan. Faith Based Funding advocates and helps the church respond to underwriter questions.
Term sheet issued by the chosen lender. Negotiation, attorneys, title work as in any commercial real estate close.
Standard closing with the chosen lender as lender of record.
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Score your readiness in 15 minutes, then go to Faith Based Funding prepared.