1. Do we have to pay anything upfront?

No. For all loan sourcing, mortgage brokering, and financing services, you pay nothing upfront.

We only receive compensation when your loan closes. This keeps us fully aligned with your church’s success.

2. Are consultations really free?

Absolutely. All initial consultations, assessments, and exploratory conversations are 100% free. We want to serve local churches without pressure or upfront financial barriers.

3. How does Propel Church Capital get paid?

Propel Church Capital operates with a transparent and ministry-friendly model:

Loan Sourcing:

• Loans over $750,000: 1% success fee (paid only at closing)

• Loans under $750,000: $7,500 success fee (paid only at closing)

There are no retainers, no upfront charges, and no hidden fees for loan sourcing.

Other Services:

Audits, bookkeeping cleanup, ongoing bookkeeping, financial reviews, policy development, and investment/retirement planning (via our certified partners) are billed separately based on:

• Scope of work

• Complexity

• Church size

These services are provided through trusted, certified professionals on our team who specialize in ministry finance.

4. Do you work only with churches?

Yes. Propel Church Capital is a church-exclusive advisory firm, focusing on:
• Property acquisition loans
• Refinancing
• Expansion financing
• Remodel & renovation loans
• Capital improvement funding
• Long-term financial stewardship

Everything we do is designed for churches and ministries.

5. Who provides retirement and investment advising?

Investment and retirement planning is handled through our trusted licensed partners who specialize in pastoral and ministry financial planning. Propel stays involved, ensuring your church is well-supported throughout the process.

6. Are you licensed mortgage brokers?

Propel Church Capital serves as a loan sourcing and advisory firm leveraging nationwide relationships with church lenders and banks.

In states requiring a mortgage broker license, we work through licensed partner brokers, guaranteeing full compliance while still securing competitive financing options for your church.

7. How long does the financing process take?

Every project and loan is unique. A typical timeline for a qualified candidate:

Initial review: 2–3 days

Document collection: 1–3 weeks (based on quality of client books and responsiveness)

Lender underwriting: 30–60 days

Closing: 45–90 days overall

Timelines vary based on lender and project complexity.

8. Why choose Propel Church Capital?

Propel Church Capital combines deep pastoral insight with real financial expertise. We bring:

✔ 18+ years of pastoral ministry experience
✔ A proven track record of financial growth, including oversight of multi-million-dollar building projects, acquisitions, capital improvements, and organizational expansions
✔ Church-exclusive financing specialization
✔ Transparent pricing and no upfront costs
✔ Certified team members for audits, bookkeeping, and investment services
✔ Strategic guidance designed around biblical stewardship
✔ A genuine heart to advance the mission of the local church

Our heart is simple: to move the vision God entrusted to your church forward through wise, strategic, and sustainable financial solutions.

9. Are we required to work exclusively with Propel Church Capital?

Yes. Once an engagement letter is signed, Propel Church Capital represents your church exclusively for that financing effort.
This prevents confusion and strengthens your position with lenders.

10. What size churches do you serve?

All sizes, from small congregations to multi-campus churches. If God gave your church a vision, we help create the financial pathway.