Faith-Focused Financial Solutions for Your Congregation
Some of the biggest challenges congregations face are the financial decisions that help sustain and grow the LCMS. LCEF is here to support your congregation at every step of your financial journey with tailored financial solutions you can rely on. Together, we’ll help you steward God’s blessings and strengthen the future of your ministry.
Investments
for Your Congregation
Loans for
Your Congregation
Ministry Solutions
for Your Congregation
Real Estate Solutions
for Your Congregation
Explore Solutions for Your Congregation
LCEF offers financial solutions tailored to your congregation’s unique needs. Select a service below to see the options designed to support your church’s goals and build upon His blessings to serve His people.
All Access Account
Secured (new and refinanced)
Construction
Bridge
Line of Credit
Short-Term Loans
Specialized Ministry
New Start
Parsonage/ Housing
Unsecured
Ministry Improvement Loan
Clarity
Campaigns
Stewardship
Feasibility Studies
Owner’s Representative Services
Excess Property
School Expansion
Investment Options for Your Congregation
Investing with LCEF is more than a financial decision—it’s a way to support your congregation’s mission while contributing to the broader growth of the LCMS. Your investment not only helps fund your church’s goals but also strengthens ministries across the nation. Together, we’re empowering ministries to share His Word.
Loans for Your Congregation
Whether you’re building a new facility, renovating your existing space or pursuing a specialized ministry project, LCEF provides solutions designed to support your congregation’s unique goals. With our expertise and commitment to serving LCMS ministries, we’re here to help you navigate every step of the journey toward achieving your mission.
Ministry Solutions for Your Congregation
LCEF works with congregations to propel the Kingdom forward according to God’s will. From clarifying your mission to launching successful campaigns and enhancing stewardship, our tailored solutions are designed to meet your unique needs. With guidance rooted in faith and decades of pastoral experience, we’ll help you advance your ministry and strengthen your impact.
Real Estate Solutions for Your Congregation
Your congregation’s property is a vital resource for ministry. Our Real Estate Solutions (RES) team brings over 40 years of experience to help you navigate property decisions with confidence. Whether managing excess land, planning school expansions or conducting feasibility studies, we provide expert guidance to ensure your real estate aligns with your mission and supports your long-term goals.
Our Investment Rates
View our competitive rates and compare your school’s banking details.
Join Lutheran Investors Like You
Sarah Grack-Moritz
School Technology & Innovation, Orange, Calif.
“I am an LCEF investor because we believe in what LCEF does. LCEF helps schools and churches … get loans that they would never have been able to get so that we can promote the spreading of the Gospel and support the community around us.”
Rev. Adam Salinas
Concordia Lutheran Ministries, Freeport, Pa.
“I enjoy investing in LCEF because I know that our money goes towards building new churches and schools. I enjoy investing with them because they are caring and supportive in the financial services that they provide.”
Rev. Michael Schmidt
Peace Lutheran Church, Natoma, Kan.
“Money invested goes beyond traditional means and goes to help churches and schools that share our core beliefs.”
Download an Investment Application for Your Congregation Today
Download an application to start your investment.
Investment Application for Congregations and Schools
Joyful Response Guide to e-Tithing
Church Worker Loan Pool Application for Congregations/Schools
Invest Online Today
All you will need to apply is the personal information and driver’s license images of the signers you’d like on the account and your congregation’s banking details.