Church Loan Pre-Flight Checklist

Assemble the materials on the checklist below to gain a headstart on the loan process. Having the materials in-hand prior to your first meeting with a loan officer will help you prevent unnecessary delays.

Financial Information

  • The current and past three years of financial statements prepared per Generally Accepted Accounting Principles (GAAP)
    • Balance Sheet 
    • Income Statement
  • Average weekly or annual tithes and offerings
  • Current debt load
  • Banks statements for at least past 3-months
  • Payment/check for loan application (if needed)

Church information

  • Denomination and background
    • History of your church (include key events and dates, changes in leadership, faith stories)
  • Pastor bio and contact information
    • Include home address, phone number, email address
    • (Regarding pastor, disclose any relationship to church officers, board members, or senior leadership)
  • Church senior leadership bio’s and contact information
    • Include titles, home addresses, phone numbers, email addresses
  • Current and proposed locations
  • Mission and vision statements
  • Current weekly attendance
  • Copy of current constitution and bylaws
  • Copy of Articles of Incorporation with amendments (filed with the state)

Property information

  • Copy of title policy or grant/warranty deed, mortgage, or deed of trust with the attached legal description.
  • Verification that the property is exempt from real property tax
  • Survey of the property
  • Current market appraisal (Comps or best estimate. The lender will perform their own appraisal.)
  • Pictures of all church assets or properties to be utilized for collateral

Project information

  • Goals and purpose for the loan
  • Estimated budget
  • Estimated loan amount
  • Estimated time-frame

Capital campaign information

  • Brochure or documentation (if available)
  • Time-frame
  • Dollars raised to date
  • Projections of total campaign
  • Previous campaign history 
    • (Have other campaigns been successful or completed?)


  • Documentation authorizing the loan amount and authorized signatories to conduct legal and financial matters on behalf of the church.
  • Contact information including name, address, phone number, and email address of outside accountant or CPA.

Contact Eden Religious Facilities to speak to one of our advisors.