We Have the Resources and Special Programs for Your Church
“It’s Ministry First.” At Nitsua Inc.,
our mission is to turn Kingdom visions into reality.
TYPES OF LOANS
Churches & Commercial Loans
Faith-Based Expertise: Nitsua Inc. specializes in supporting ministries and Christian organizations, not just generic commercial loans.
The loan closing process is quick and straightforward.
Long-term rates are available for 20, 25, or even 30 years, with no balloon payments.
This is an ideal time for churches to start the process, as interest rates are as low as 8%.
Construction Loan
Build from the ground up with confidence. We help structure and prepare your application, then connect you with the right lender.
* No Personal Guarantees: Reduces personal financial risk for church leaders.
* Quick Closing: Helps churches move forward without delays.
Refinance Loan
Refinancing your existing church-building loans can provide low-rate options without. Lower your costs and reset your financial strategy.
* No balloon payments
* Competitive new rates.
* Terms negotiated to fit your unique goals
Renovation Loan
Expand, update, or reimagine your space—without straining your ministry budget.
Collaborative budget planning
Flexible loan terms
Designed for upgrades, expansions, or repairs.
We are here to assist!
Property Purchase Loan
It's focused on helping churches build new facilities, but with an emphasis on smart financial planning and project efficiency. Here’s a breakdown
1. Thorough Planning: Before construction kicks off, the church is encouraged to finalize a budget to avoid surprises down the road.
2. Cost-Effective & Timely Execution: The goal is to stay within budget and timeline, ensuring the project doesn't strain the church's resources or delay its mission.
3. Design-Build Collaboration: Instead of hiring separate architects and contractors, a design-builder works with the church throughout the process to tweak the design until everyone agrees on a set price—known as the guaranteed maximum price (GMP).
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Choose the Right SBA Loan Type
Step-by-Step Guide to SBA Loan Application
7(a) Loan: Great for working capital, equipment, or real estate loan closing within 60-90 days from start to finish
504 Loan: Ideal for purchasing large fixed assets.
Microloan: Up to $50,000 for smaller needs like supplies or startup costs.
The Small Business Administration (SBA) 7(a) loan is specifically designed for individuals looking to start or expand a daycare or preschool. Start your childcare or preschool. Must be a for-profit business operating in the U.S.
Simplified Application Process: They offer hands-on assistance with applying for this type of SBA loan, easing the paperwork and steps involved—financial statements: income, balance sheet, cash flow.
Lower Interest Rates: Through their partnerships or expertise, they claim to secure reduced borrowing costs.
Longer Repayment Terms: This means monthly payments can be more manageable since the loan stretches over more years.
Targeted Financing: The funding is geared toward those building or expanding childcare facilities, not just general small businesses.