Church & Ministry Loans

Your calling is ministry. Ours is helping you sustain it.

Baptist Credit Union is a ministry partner to Baptist churches and institutions across Texas. Whether you’re growing, building, or caring for the property you have, we offer financing shaped around your mission and your budget, so your focus stays on serving others.

Real Estate & Land

Purchase a new facility or adjoining land to make room for future growth.

 

Construction

Build sanctuaries, fellowship halls, classrooms, or a Christian school.

 

Renovation & Repairs

Replace roofs and air conditioning, repave parking lots, upgrade playgrounds, and care for your property.

 

Equipment

Invest in sound, video, and technology that help your congregation worship and connect.

 

Vehicles

Vans and buses to transport seniors and children, or vehicles for pastors and staff.

 

Refinancing

Move existing church debt to a better rate or more manageable terms.

For more information, email businessloans@baptistcu.org or call (210) 525-0100 ext. 215.

What Your Church Should Prepare

Having these documents ready helps us review your request faster. Your loan officer will confirm exactly what your project needs.

Financials

Financial statements and budgets for the last 2–3 years, giving and attendance history, and existing debt statements.

 

Governance

Bylaws, a board or congregational resolution authorizing the loan.

 

Project details

Construction bids or purchase agreement, project description and estimated cost.

Get Started in Two Steps

Step 1, Become a member: “Membership is the first step. Join the Baptist Credit Union family.” Join Baptist CU.

Step 2, Apply for a church loan: “Tell us about your ministry’s needs and goals.” Loan Application

Business Loans

Financing Built Around Your Goals

Whether you’re adding a location, expanding your space, or upgrading aging equipment, Baptist Credit Union structures financing that fits your established business today and supports where you’re headed. We serve businesses and professional practices of all kinds, including medical and healthcare professionals.

Commercial Real Estate

Purchase land or property, or refinance what you own.

 

Construction

New builds and finish-out of one or more office spaces.

 

Renovation

Remodel and modernize your workspace.

 

Equipment

Medical, professional, office, and specialized equipment, including upgrades when technology changes.

 

Work Vehicles

Keep your operation moving.

 

Refinancing

Consolidate existing business loans on more favorable terms.

What Your Business Should Prepare

Having these documents ready helps us review your request faster. Your loan officer will confirm exactly what your project needs.

Financials

Business tax returns for the last 2–3 years, year-to-date P&L and balance sheet, schedule of current business debts.

 

Owners & Entity

Personal tax returns and personal financial statements for each owner (generally 20% or more ownership), formation documents (articles, operating agreement, or bylaws), EIN, business licenses, and leases.

 

Loan purpose & Collateral

Quotes, invoices, or purchase contracts; property address, appraisal, or title information; equipment specifications; business plan and financial projections for startups or expansions.

Get Started in Two Steps

Step 1, Become a member: “Membership is the first step. Join the Baptist Credit Union family.” Join Baptist CU.

Step 2, Apply for a business loan: “Tell us about your plans and what you need to grow.” Loan Application

Small Business Loans

Support for the People Who Keep Business Moving

As a small business owner, managing funds, maintaining cash flow, and planning for growth often rest on your shoulders. Baptist Credit Union is here to lighten that load with practical tools and lending built for small businesses.

A list of small business loan uses: Real Estate, Construction, Renovation, Equipment, Work Vehicles, Refinancing

Business Line of Credit

Flexible access to funds to keep cash flow steady when you need it.

 

Business Mastercard®

Manage purchases and payments with ease.

 

Check Scanning

Deposit checks right away, without a trip to the branch.

Getting Started in Two Steps

Step 1, Become a member: “Membership is the first step. Join the Baptist Credit Union family.” Join Baptist CU.

Step 2, Apply for a business loan: “Tell us about your plans and what you need to grow.” Loan Application

Questions? Our Lending Team is Here to Help!

businessloans@baptistcu.org | 1 (210) 525-0100 ext. 215

USA Patriot Act: Federal law requires that we obtain, verify and record information that identifies each person who opens an account or requests a loan, including joint owners/applicants. Within this application, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.

Consumer Reports: By submitting an application, you authorize Baptist Credit Union to obtain a consumer credit report to evaluate your creditworthiness so that you may be considered for other BCU products and services. You also authorize Baptist Credit Union to obtain consumer reports for purposes of evaluating the membership application and reviewing any Baptist Credit Union accounts you open. You understand these reports may be used in decisions to deny account applications, close accounts, and/or restrict accounts or services.