The Church Lender — Advisory & Financing Services for Hispanic Churches
Financing and Advisory for Churches and Properties
We help churches buy, refinance, expand, and restructure — 501(c)(3) compliance, construction, and corporate restructuring, all in-house. We also finance residential and investment properties through our affiliated mortgage bank (NMLS #38232, 46 states). $500M+ facilitated. 20+ years.
From a 30-day eviction to owning their own temple
From a 30-day eviction to owning their own temple
This Could Be Your ChurchReal Results
Real Churches. Real Outcomes.
Watch real testimonials from churches we've served
$7.2 million in purchase + refinancing, after strategic litigation
Watch the real video on FacebookFrom a 30-day eviction to owning their own temple
Watch the real video on FacebookDaytona, Florida pastors share their experience
Watch the real video on FacebookA church secured their building in under 45 days — full advisory, financing, and a 3-year growth plan.
Watch the real video on FacebookCourtesy consultation with the Director
What can we talk about?
Tell us your topic when you send your times on WhatsApp.
- Message us on WhatsApp with your topic and available times, and we will confirm your call or video call — your choice.
- Your call is 15 minutes; if you are more than 10 minutes late, the slot is released.
- Schedule changes are accepted with at least 24 hours notice.
- When sending your times, tell us your church name and city, what you want to achieve (purchase, refinance, restructure, or other), and whether you have a property in mind.
- Before the call, email contact@thechurchlender.com: your 501(c)(3) letter, most recent financial statements, property address, and a short description of what you want to achieve.
- If possible, have your treasurer or a board member join you.
- At the end you will receive a summary of where your church stands and the next steps.
Real Churches We've Helped
A look at some of the churches we've worked with across the country.
A FULL-SERVICE FIRM
Consulting. Real Estate. Financing. A to Z.
We're not just a lender — we're a full-service advisory firm guiding Hispanic churches through every step, from compliance to construction.
Real Estate
Nationwide off-MLS property search, site evaluation, and acquisition strategy — from first look to closing table.
Financing
Direct private lending and construction loan coordination.
Compliance & Advisory
501(c)(3)/NFP compliance, governance restructuring, and financing-readiness for churches nationwide.
Construction & Development
Architecture, engineering, and construction loan coordination — from concept to grand opening.
Our Services
Comprehensive Advisory Services
Strategic Advisory
Long-term planning, financial health assessments, faith-based investment strategies, and growth strategy for your congregation.
Read MoreMinisterial Compliance
Governance restructuring, bylaws, and operational compliance to protect your ministry.
Read MoreReal Estate Financing
Church purchase, refinancing, and property appraisal and valuation solutions tailored to faith-based organizations.
Read MoreConstruction Loans
End-to-end guidance for new sanctuary construction, major renovation projects, and capital campaign planning.
Read MoreRefinancing
Lower your rate, consolidate debt, or unlock equity in your church's property with a refinancing solution built for your ministry.
Read MoreOpen a Business or Church
From site search to financing and construction, we guide congregants and ministries through starting a new business or planting a new church — including identifying new income-generating ventures aligned with your church's mission and studying investment opportunities on your behalf.
Read MoreBilingual Web Design
Professional bilingual websites that reflect your church's mission and reach your community.
Read More501(c)(3) & NFP Compliance
Formation, compliance, and status management for 501(c)(3) and other nonprofit organizations, backed by expert IRS coordination.
Read MoreLegal Services
In-house legal counsel for church and nonprofit real estate, compliance, and corporate matters — never referred out.
Read MoreOperations Structuring
Corporate and operational structuring, including non-profit asset management and ministry fund allocation, for new or existing churches and ministries — built to support growth and expansion.
Read MoreResidential Financing
Residential and Investment Property Financing
In addition to churches, we finance residential and investment properties through our affiliated mortgage bank and private lenders.
Purchase
Financing for your first home or investment property purchase.
Refinance
Lower your rate or change the terms of your existing mortgage.
Cash-Out Refinance
Access the equity in your property for investment or improvements.
Investment Properties
Loans for rental properties, multifamily units, and investment portfolios.
Our lending partners
Affiliated mortgage bank
MBANC — NMLS #38232, licensed in 46 states. Conventional, FHA, VA, jumbo, and investment loans.
Private money — NYC metro and Long Island
The Hard Money Guys — private investment loans for the NYC metro area and Long Island.
Why Choose Us
The Full-Scale Firm Built Exclusively for Hispanic Churches
The Church Lender is the only full-service firm in the country built exclusively for Hispanic churches — an in-house team of attorneys, compliance specialists, and real estate professionals who carry every deal from first call to closing without referring it out. Where other lenders stop at financing, we go further — advisory at every level: 501(c)(3) and nonprofit compliance, IRS reinstatement, governance restructuring, real estate acquisition, residential and commercial lending, ground-up construction, and identifying new income-generating ventures and investment opportunities for your ministry — all under one roof, in the language and culture our clients live in every day. Over 20 years, we've facilitated more than $500M in financing and guided hundreds of churches nationwide and in Puerto Rico — including congregations that came to us facing eviction notices, revoked tax-exempt status, or years of being turned away by lenders who didn't understand their world. We don't just know the numbers; we know the difference between a loan file and a ministry's future, and we build every strategy around that.
OUR NETWORK
Need Something Else? Meet Our Partners
The Church Lender is part of the CAC Investment Strategies family. We also work closely with MBANC, an affiliated, family-owned mortgage bank, and The Hard Money Guys, our private-capital lending division for investors.
The Hard Money Guys
Direct private money for real estate investors in the NYC metro area and Long Island — no brokers, closings in as fast as 7 days.
MBANC
An affiliated, family-owned direct mortgage bank, funding since 2005 — purchase, refinance, cash-out, and investment property loans, processed and underwritten in-house.
Take the Next Step
Ready to Take the Next Step?
Whether you need 501(c)(3)/NFP compliance, financing for a new sanctuary, or a full restructuring of your ministry — we're here to help.