The United Church of Christ Church Building & Loan Fund (CB&LF) is a nonprofit organization that has been assisting congregations with financing church buildings since 1853. It provides loans to younger congregations under 30 years old and renewing congregations of any age for purchasing land, building, renovating or refinancing church buildings. CB&LF has helped thousands of churches and has $58 million in loans with a $20 million lending capacity. It also offers capital campaign services and planning assistance to help churches with large real estate projects and vision plans.

1. UNITED CHURCH OF CHRIST
Church Building & Loan Fund
Cblfund.org
Franklinton Center at Bricks
Board of Directors
Presentation
Thursday March 5, 2015
Whitakers, NC

2. Our Mission
The mission of the Church Building & Loan Fund
(CB&LF) is to assist congregations younger than 30
years, as well as renewing congregations of any
age, who are planning to buy either a first house of
worship or a land site, or who want to build,
renovate, or refinance their church building, meeting
house, school, parsonage and/or other church
buildings.

3. Our Origins
1852
Delegates of the American Congregational Union
pledge $10,000 toward a total of $50,000 to be raised
in the first 6 months of 1853.
1853
$62,041 is raised ($1,983,342 in 2013 dollars). 232
churches in 16 states are built from these funds. The
first church building society in the United States is
born.

4. Who We Are
The oldest church building loan fund in the United
States, assisting thousands of churches with planning and
financing church buildings since 1853.
• A Nonprofit 501c3 organization
• Affiliated with Local Church Ministries
• A Loan Fund, NOT a Bank

5. Our Capacity to Serve
• 540 church loan partners (80 active)
• $50,000 in 1853 - $58 million in 2015
• $20 million lending capacity
• 90%+ performing loans
• 1 new project per month for 160 years

6. Return on Investment
for a church
aka “stewardship”, “sustainability”
First, what is your MISSION?
Second, what is your INVESTMENT? (243 acres,
bldgs, etc.)
What is your yield (harvest, fruit, result) based on
your MISSION & your INVESTMENT?

7. Return on Investment
for a church
• How many disciples did you make last year?
• How many people did you feed? (food enterprise)
• How many thirsty received water? (water enterprise)
• To how many people did you extend hospitality
(facility use, fee-paid and donated)
• How many sick and in prison did you serve?
(visitation, re-entry)
• How many poor people obtained justice? (housing,
literacy, employment, enfranchisement)
• How much surplus revenue did you generate to
continue to advance MISSION? (streams of income)

8. Proposed Vision
2015-2017
Reinvent the concept of “church” through
innovative uses of buildings and space,
unique partnerships and biblical principles
to dramatically increase the economic,
social, environmental and spiritual vitality of
poor communities and gentrifiying
neighborhoods.

9. The Team
• Rev. Dr. Patrick G. Duggan, Executive Director
• Ms. Sheila Kinzer, Associate Director & Chief Loan
Officer
• Ms. Shaena Ragin, Loan Processor
• Ms. Erin Frameli, Loan Services Assistant
• Ms. Maria Haslam-Sterp, Administrative Assistant
• Rev. Priscilla Bizer, Capital Fundraising Executive
• Rev. Susan Mitchell, Capital Fundraising Executive

10. Loan Programs
March 2015
• Building Purchase (20% down, 4.0% fixed, 20-30
years)
• Site-Purchase (30% down, 4.5% fixed, 20-30 years)
• Construction (30% down, 4.5% fixed, 20-30 years)
• Refinance (negotiable)
• Church Building Disaster Recovery Program
(special rates & terms)
• Church Building Energy and Environmental
Program
• (up to $100K, 4.25% - 5.375%, 5-7 years)

11. Capital Campaign Services
Churches that need to raise large sums of money
for renovations, a building purchase and/or
construction can benefit greatly from the
assistance of our Capital Campaign Services
team.
CB&LF offers the only professional Capital
Campaign Services (CCS) authorized by the
United Church of Christ.

12. Partners in Vision
CB&LF’s planning and technical assistance
program created to help churches with large or
complex real estate projects.
Designed to help your church discern vision plans
and create sustainable, innovative, mission-
focused development models.

13. Partners in Building
Prepares new and renewing congregations to
purchase land or a building or begin a church
building project within 6-24 months.
Begins with a one- to two-day event where new
and renewing churches are introduced to the
Church Building and Loan Fund.

14. Our Reason for Being
• We help churches organize money for mission.
• We help finance the present and future church.
• We help create the places where people of faith
gather for worship, service and transformation.

15. We Are Ready to Serve You Today !
Phone 866.822.8224, ext. 3834
Email infocblf@ucc.org
Web cblfund.org
UCC Church Building & Loan Fund
#cblfund
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