Church Loans


Laying the foundation

Taking a construction project from the vision stage through completion is a daunting and time-consuming task. It’s important to have a team of experts by your side through the entire process.


Maximizing your church’s investment, stewarding your finances and staying on time and on budget are crucial to your construction or renovation project. Our experienced team can help guide you through every step.

Experienced team

to assist in effectively navigating your construction project. Our professionals have an in-depth understanding of church lending.

Maximize your investment

with in-house construction escrow payment. All draw requests made by the general contractor will be paid by the Cornerstone Fund.

Interest only

payments during the construction period.

Free conversion

to term loan upon completion of your project. During the construction period, your church will only pay interest on disbursed funds.

A partnership built on trust

A construction loan covers the material and labor costs associated with new construction or renovations. During the construction period, your church will only pay interest. Upon completion of your project, the loan will convert to a term loan—for free.


Term loans are typically based on a 15- or 20-year amortization schedule. Our goal is to work with your church to pay off your debt in a reasonable amount of time.


Unlike traditional lenders, the Cornerstone Fund accounts for capital campaign pledges toward your project. As your church raises funds, it can invest campaign dollars in our Church Savings Investment to receive interest on its investment.

We are so immensely grateful to the Cornerstone Fund for helping us fund the building of our new church. We know God is going to do absolutely amazing things through it as we share the gospel with our community.
David Sorn, Lead pastor

About the Cornerstone Fund

For more than 65 years, the Cornerstone Fund has provided funds of Converge churches and ministries to help purchase land, build new facilities or refinance an existing mortgage. We’ve partnered with over 1000 churches to make ministry become a reality.


We care about you, your church, your staff and your community. We want to come alongside you as a partner to reach people for Jesus. Contact us today to learn more or apply for a loan.

Partnering with



We understand churches
We're more than a lender
With you every step


Check out these free resources to learn more about how to get started, qualifying for a loan and the loan process. When you’re ready to get started, contact us to talk to a lending expert.

Getting started

Start a conversation about acquiring the property or building you need to better reach your community with the gospel.

Loan application & checklist

Ready to get started now? Download the church loan application and review the checklist to make sure you’ve got everything you need.

How the process works

Applying for a church loan doesn’t have to be stressful. Learn the steps of the process so you can be prepared for your project.

Educational videos

A video series to help you better understand the church loan process and how to fund ministry expansion.

Questions? Call a lending expert at 877.228.8810