Since 1959, CLI has provided real estate loans to thousands of churches throughout all fifty states. We are not brokers nor are we a broker dealer. We are a direct lender who will hold and service your loan.

CLI provides both interim construction and semi-permanent facilities loans. Below is a summary of our basic requirements for considering your loan request. For more information, please contact us at


General Underwriting Guidelines

  • Minimum loan amount: $3,000,000

  • Maximum loan amount: no greater than 2X annual revenues

  • Minimum weekly attendance: 500

  • Sources and uses summary

  • Last three years' audited financial statements

  • Most recent internal financial statements

  • Current years' budget

  • Construction plans and budget