LCMS members, workers and church MINISTRY IMPROVEMENT LOAN FAST, FLEXIBLE FINANCING TAILORED FOR
LCMS CHURCHES AND SCHOOLS

When you feel the strain of short-term financial constraints hindering the progress and improvement of your church or organization, rest easy. The financial support you need to address your challenges head-on and realize your vision for a flourishing and impactful organization is here.

The Ministry Improvement Loan is perfect for Lutheran Church—Missouri Synod (LCMS) churches and schools wanting to:

    • Repair a damaged or leaking roof.
    • Update HVAC systems.
    • Enhance building aesthetics and comfort, welcoming members and visitors alike.
    • Upgrade facilities and restrooms for full compliance with accessibility standards.
    • Cut utility costs with smart investments in energy efficiency.
    • Improve safety in educational settings, ensuring peace of mind for parents and teachers.
    • Modernize with the latest technology and equipment to engage today’s students.
    • Revitalize spaces with upgraded playgrounds, landscaping, and modern facilities.
    • Address other unplanned, immediate maintenance issues.

How to apply

Call National Lending (Association Schools) or your LCEF District Vice President (Congregations) to discuss your ministry and options. You can also call 800-843-5233, 7 a.m. to 5 p.m. (CT), Monday through Friday.

Here’s what makes the Ministry Improvement Loan stand out:

  • Convenient Repayment Terms:Enjoy interest-only payments for the first two years and then move to fully amortized payments.
  • Generous Limits: Funding up to $150,000 per borrower, providing ample resources for your institution’s growth and improvement projects.
  • Expedited Approvals: Because most of these loans are unsecured, the approval process is quick and easy. This allows you to proceed with your project timely.

Trey DilleInvestor

“They are people who truly care about individuals and the church and the mission Christ sets forth for us. They use your investments to support the church—enabling the church to help others while they also help you.”

Associate Pastor
St. John Lutheran Church, Effingham, IL

Rev. Brad Cusson Investor

“It was really cool to be a part of the bigger process because now, in a sense, we’re joining the ministry not only where we are but everywhere LCEF is too. LCEF has been with us through the whole journey. They caught the vision of the ministry … and partnered with us.”

Sr. Pastor
St. Matthew Lutheran Church, Rocklin, Calif.

Joseph Hope-Hull Investor

“I am a brand-new LCF investor, and I look forward to managing my own finances, managing the gifts God has given me in that way to better prepare for my future, as well as having the peace of mind and the comfort that these gifts are being able to help others, other congregations, other schools, just like my own.”

Director of Christian Education
St. Paul’s Lutheran Church, Glen, Burnie, Md.

Hiram and Karen Grimm Investors

“We keep all of our savings there. They are easy to contact, and they are very friendly, giving a good return. But the best part of the whole thing is sharing those funds with other churches and schools.”

Trinity Lutheran Church, Carver, Minn.

We’re committed to empowering LCMS schools and congregations to reach new heights for the proclamation of the Gospel and the glory of Christ.

Discover how we can help you

Call National Lending (Association Schools) or your LCEF District Vice President (Congregations) to discuss your ministry and options. You can also call 800-843-5233, 7 a.m. to 5 p.m. (CT), Monday through Friday.