Ministry Improvement Loan

Fast, flexible financing tailored for LCMS churches and schools. Select from the buttons below to get started today!

Building a Stronger Future for Your Ministry

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.

Practical Solutions for Ministry Needs

The Ministry Improvement Loan is perfect for 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.

Why Work with LCEF?

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.

Our Loan Rates

Contact 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.

Discover How We Can Help You

Contact 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.