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Frequently Asked Questions About Loans

How does your loan program fit within the TMF mission?

Our loan program is designed to empower congregations and like-minded organizations to achieve their God-inspired potential. Our practices support the long-term financial health of each organization we serve, as well as cultivate solid sources of support and positivity for our community and society as a whole.

What differentiates TMF from other lending institutions?

We specialize in church lending, which gives us a unique understanding of the Methodist denominational structure and discipline, and how it relates to church financing. In addition, the loan interest earned by TMF supports Methodist ministries. Unlike other financial institutions, the underlying purpose of our service is to increase the effectiveness of churches and congregations in making a positive and lasting impact in our communities.

What’s the advantage of using your cash-flow model?

Using our cash-flow model, our loan officers can better help you determine a safe project limit for your church, based on your specific operating budget and other factors. We can also help with a capital campaign required to support your desired project.

Does TMF offer support after a loan closes?

Yes, our loan staff will continue to be available to your church for monitoring cash flows and appropriate structuring of debt. This ensures debt can be managed without compromising other programs.

Where does TMF get the money to lend?

Loans for construction projects and other capital needs for Methodist churches and congregations are funded through investments in the Methodist Loan Fund. This fund pays rates consistently higher than most bank money market and CD rates, making it an attractive choice for mission-conscious investors.

How does TMF use loan interest?

Unlike other financial institutions, loan interest earned by TMF directly supports Methodist ministries.

What types of projects fit within my loan program?

We offer loans to Methodist churches and congregations to finance projects that can help them to fulfill their efforts to bring the world that God imagines to life. These projects include but are not limited to loans for new construction and building improvements, permanent mortgage loans for buildings, parsonages or land and loans for vehicles, computers and other equipment.

Denominational Questions


Will TMF maintain continuous relationships with churches leaving the UMC?

If a church with a TMF loan or investment leaves the UMC, that departure will not result in a change in our current relationship or in potential future loans or investments with us. The same is true for our other services.

Read the full statement on continuous relationships.