Looking for Church Finance?
Commercial Lending for Churches
Finance expertise that understands Australian ministries
We understand the challenges churches and ministries face when securing a loan. As a profit-for-purpose company owned by Australian Christian Churches, we share your Christian values and provide finance solutions designed around your church.
Finance for your church's next step:
Refinance
Review your existing church loan and explore more competitive rates that could reduce repayments.
Purchase
Access support through the application process when purchasing a building for your church or ministry.
Renovate & Build
Finance renovations, construction, or expansion when your ministry has outgrown its current space.
How we help churches overcome lending barriers
Church structures and finances do not always fit standard lending models. Our team understands those barriers and helps you identify a practical path forward.
Many banks struggle to understand churches and not-for-profits. ACS Financial specialises in Christian organisations and can clearly present your situation to lenders.
Church applications can involve complex structures and lengthy processes. We understand the documentation, obstacles, and lender requirements involved.
We help churches review rates, fees, and charges, including refinancing opportunities that may improve long-term stewardship.
CHURCH LENDING EXPERTISE
Church finance that is Collaborative, Purpose-Led, and Practical:
Church Lending Specialists
Our finance team understands the way churches operate and the challenges they face with mainstream lenders.
Complex Structures Understood
We help organise financial information and explain church structures clearly during an application.
Competitive Options
We negotiate with lenders and help churches review refinancing, interest rates, fees, and terms.
Collaborative Process
We take time to understand your ministry, financial position, property plans, and path forward.
Finance-Ready Planning
If you are not ready to borrow today, we can help you develop a plan to improve your readiness.
ACCumulator Funding
Eligible church projects may also access lending funded through the ACS Financial ACCumulator fund.
Ready to Apply for a Church Loan?
Why we love what we do
We are grateful to use our financial expertise to help churches purchase a home, refinance for better stewardship, renovate, and build for growing ministries.
After more than 30 years of helping churches seek finance, we understand why standard lenders can find church applications difficult.
Our heart is dedicated to supporting strong Christian communities, so we partner with ministries to secure funds and achieve their vision.
If a church is not yet ready to borrow, we help create a practical plan so it can work toward finance readiness over the following months.
Long-standing client relationships reflect the guidance, care, and specialist support our team provides throughout the lending journey.
Our process is collaborative
1. Consultation: Call 1800 646 777 and explain what your church is looking for.
2. Analysis: We understand your situation and financials, then identify a path forward.
3. Application: We discuss the findings, present a quotation, and help commence your application.
We are with you throughout the process, from initial planning and paperwork to lender discussions and approval.
CLIENT STORY
Helping bring a ministry vision to life
We helped Vineyard Christian Church refinance its mortgage and access the additional finance needed to build a state-of-the-art facility for its children's ministry.
Ps Jeremy Greening
Vineyard Christian Church, Queensland
Churches and ministries we have served
We build long-term relationships with Christian organisations and support their vision for growth.
ARE YOU READY TO TAKE THE NEXT STEP?
Move your ministry forward with specialist Church Lending
Services
431 Canterbury Road
Surrey Hills, Vic 3127
ACN 062 448 122 | ABN 91 332 765 503 | AFSL 247 388 | ACL 247 388 © 2023 ACS Financial. All Rights Reserved. | Sitemap
