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Organizational Lines of Credit

Use Lines of Credit to Fund NON-budgeted Expenses

LCEF is your lending partner! We offer construction and permanent loans to new and existing congregations, schools, recognized service organizations, and partner churches around the world. For your next building project, partner with LCEF. We have loan dollars and ministry-focused services available to help the church as it seeks to fulfill God’s mission.

Lines of Credit are to be used for anticipated cash flow deficiencies in operating budget on a recurring basis.

Terms and Conditions for Lines of Credit:
Helpful hints to accelerate the loan process:
  • Credit Limit: 15 percent of the previous year’s income (excluding building funds and bequests).
  • Term: Five-year period with annual review. Interest on outstanding balance billed monthly.
  • Zero Debt Period: The balance must be reduced to zero for 30 consecutive days out of each 12-month period.
  • Loan fee of 1 percent of new money up to maximum of $7,500.
  1. Complete loan application.
  2. Review application for complete and accurate information, including important date, property information, contact person, etc.
Lines Of Credit Loan Forms
Lines Of Credit Loan Brochures

Automatic Loan Payment Authorization

Loan Application-summary, form, project information sheet, and certificate of constitution & bylaws

Search our literature rack for additional forms.

"Helping Hands in the Lending Process" Booklet

“Why LCMS Entities Borrow from LCEF” Brochure

Search our literature rack for additional brochures.
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Have a question?
Contact your local LCEF District Vice President, contact LCEF directly at Contact Us, or call the Lutheran Church Extension Fund at 1-800-843-5233, 7:45 a.m. - 4:15 p.m., CT, Monday through Friday.