Missouri Baptist Foundation Church & Ministry Loan Program
At the Missouri Baptist Foundation, we know the state, we know your context, and we understand the unique needs of Missouri Baptist churches. When you borrow from us, you are not just getting a loan; you are partnering with a mission-minded lender dedicated to helping churches grow and thrive.
Who We Serve
The Missouri Baptist Foundation’s Church Loan Program is designed for qualified members and ministries who are contributors to, or participants in:
- Missouri Baptist Convention (MBC)
Missouri Baptist Foundation (MBF)
Religious organizations with a programmatic relationship with MBF or MBC.
Why Choose MBF for Your Loan?
Mission Minded – Every loan helps strengthen Missouri Baptist churches and ministries.
Cheaper Cost – Competitive rates and no prepayment penalties keep your ministry’s resources focused on Kingdom work.
Quick Decision – Loan decisions are made locally by people who understand your ministry context.
Quick Closing – Streamlined process to get your project moving faster.
Longer Amortization – Up to 25 years to help keep payments manageable.
Local Understanding – We know Missouri churches, communities, and ministry needs.
Loan Types
We offer flexible financing solutions to meet your ministry’s needs:
New construction
Renovations & remodels
Land purchases
Mortgage refinancing
Other capital improvements
Short-term borrowing needs
Lines of credit
Unsecured loans (up to $50,000 for smaller projects like HVAC replacement, parking lot repairs, or vehicle purchases)
Loan Features
Terms: 3-year or 5-year adjustable rate, amortized up to 25 years
Fully amortized loans – no balloon payments, not callable
Interest-only payments during construction (up to 18 months)
Up to 80% loan-to-value
Capital campaign income can be considered
Secured by first lien on church property
Typical Closing Costs
Origination fee
Environmental due diligence
Flood certification
Appraisal fee (if required)
Attorney fee
Title insurance (optional)
Recording fee (varies by county)
Capital Campaign Support
We encourage churches to consider a capital campaign alongside borrowing to reduce overall debt and interest costs. Pairing a capital campaign with a loan can help reduce borrowing needs and interest costs. We can connect you with campaign guidance and proven strategies to maximize results.
Biblical principle: “…The people bring much more than enough for doing the work that the Lord has commanded us to do.” (Exodus 36:5)
Learn about our Capital Stewardship Campaign program.
Application Process
Complete loan application with supporting documents
MBF Loan Officer underwrites and presents to the Loan Committee
Receive a loan decision quickly
If approved, receive commitment letter