
Thinking of getting a loan for your Church?
Securing a loan for your church or ministry can be as challenging as trying to get a camel to go through the eye of a needle. The process is inherently complicated - AND most camels just don't fit...

Some things you need to know:
Whether you're applying for a loan to purchase a church building, to complete renovations/construction work, or to refinance your existing loan on a better rate - there are some things you need to know when it comes to a Church or ministry applying for finance...
1. Your Church "Just Doesn't Fit"
The biggest challenge churches face when it comes to acquiring a loan is being a Church and "not fitting" the standard lending model. Some banks won't even consider an application from a Church or Not-For-Profit.
2. A Lack Of Knowledge Around Church
Believe it or not, the banking sector often does not understand the church and Not-For-Profit market. Many don't know how to review an application from a church or a Not-For-Profit. Some banks even call ACS Financial to help them understand a church loan application.
3. Complex Structures
Churches are also sometimes known for having complex structures which makes securing a loan very difficult. The application process is often lengthy and hindered by negative bankers and lenders but this doesn't mean that it's impossible. You're application just requires a little more finesse.
4. "Rip Off" Fees
Of the few churches who have been able to convince a bank or lender to accept their application, many are being charged extremely high fees/rates/charges that are just unnecessary. Giving your existing loan a renowned ACS Financial Health Check could save you and your church hundreds of thousands of dollars.
How Much Would You Like To Borrow?
*Please note the above loan repayments are calculated on a principal and interest repayment type using the “Amount”, “Term” and an interest rate of 4.50% benchmark rate entered into the repayment calculator. Please refer to our Terms and Conditions for more info.
Why trust ACS Financial to be your advocate?
Listen to what our clients have to say:
Ps Jeremy Greening, Vineyard Christian Church, QLD
Ps Rob Stuttle, Living Waters Church, NSW
Ps Ben Teefy, Desert Life Church, NT
Nathan Terrill, ISEE Church, QLD
Are you circling around? Not sure what to do now?
Stop roaming, call us for a free, no obligation consultation.

Commercial Lending can be pretty complex but it
doesn't have to be.
Our team of trained commercial lending experts specialise in Christian Churches and Ministries. We'll take the time to understand your unique situation and point you in the right direction.
Give us a call to discuss your needs and be rest assured, if it can be done - ACS is with you.
Give us a call on:
What's the process?
Are you wondering how this works?
Friendly Consultation
- Call our office on 1800 646 777.
- Talk to one of our friendly staff .
- Explain what you're looking for.

Needs
Analysis
- Understand your unique situation.
- Understand your financials.
- Identify a path forward.

Quote
Presentation
- Discuss financial findings.
- Present Quotation.
- Commence application.
Why we love what we do...
At ACS Financial, we have over 25 years of experience in the church lending space and understand the challenges that churches, schools and ministries can face when it comes to securing a loan. Our goal is to make the lending process as easy as possible and to help you secure the funds you need to expand and grow the Kingdom of God.
What's all the fuss about?
This is why our clients love us...
We are a Christian profit-for-purpose company taking ground for the Kingdom.
- We understand church and have been serving churches, ministries and Christian schools for over 25 years.
- Ensuring that you have the best possible solution at the best possible rate.
- Our team of trained experts in Commercial Lending are also experts in the unique needs of churches and understand the unique challenges that churches face.

Kickstart your funding today!
Copyright 2021 by ACS Financial Pty Ltd.