Our Mission * To bring excellence, integrity, and godly standards into the marketplace.

A Little Preparation Helps Everything Go Smoothly:
 We have the experience, expertise, and network to help your Church ministry or organization generate a professional financial package. We offer competitive rates and terms. It’s a good idea for your church to have a financial cushion.  As you know, your church will have unexpected expenses or your church may experience an
extended decrease in giving. 
In addition 
New businesses, existing businesses, and expanding businesses. No client is left behind.

"Frequently Asked Questions"

We understand how important securing a partner to finance your church project.

What primary services do you offer?

We Specialize in Church Financing and Church Consultant.

What do you specialize in?

We Pre-Underwriting  church loan financial package.

What are the interest rates of your Church Loans?

We offer Fixed rate loans through our lending partners with rates as low as 3% for churches that qualify. The interest rate adjusts at 5 or 7 years.
Fix Rate: If a Church can qualify. This program offers churches a fully fixed rate. no prepayment penalty or fee.  A 20/25-Year Fixed Interest Rate program is also available.

What type of loans  do you provide (for churches)?

We Offer Church Loans: 
· New Construction Loan
· Purchase Property Loan
· Church Bond Loan
· Refinance Loan
· Renovation Loan
· Land Purchase Loan

What Services Do you Offer?

• Church Forbearance Agreement
• Church Taxes (Payroll 941) Solution
• Church IRS Offer-In-Compromise
• Church Stop Foreclosures
• Church Short Sales 

What are your terms and conditions?

We negotiate with the lenders for 5, 10,  years terms and
Churches don't need credit and No Personal Guarantees.

Get help from an expert!
We pre-underwrite all church financial loans to meet our lender's specifications. To make your experience as easy and efficient as possible.
Church Loan needs to allow up to 24-Hour Loan Processing. We Specialize in Church Loans and Christian Non-Profit Lending.  No Personal Guarantee and No Credit Checks.

Nitsua Inc., We specialize in pre-underwriting Church Loans and Church Consultant.

 In addition, we pre-underwrite our church loan to meet our lender's specifications, having the experience and resources to help you identify the most competitive church loan products and special loan programs to finance your building needs. Contact us today!

Church Financing Checklist

In order to make your experience as easy and efficient as possible, Check the information below.
*The past three years of financials, including Balance Sheet and Income Statement
*Total membership
*Current property value (if applicable)
*Proposed project budget
*Campaign program

No Church Left Behind

With fixed interest rates as low as 3%. Loans range from $100k-$20MM.
• Amortization of up to 25 years.
No church is too large or too small we will meet somewhere in the middle. Most of the church loan products we offer Do Not have Personal Guarantees. 

Nitsua Inc., make preparing your loan application easy.

• Meet with your financial team to come up with a strategy plan to move forward.
• Compile loan application and financial information for a lender.
• Negotiate with your lender throughout the process until the loan closing to ensure the process is smooth and efficient.
                                                                                                    We're Here To Help!

Learn more about Term and Rates

LOAN TO VALUE (LTV): If your church is purchasing a property your Loan to Value (LTV) ratio of 65% to 80%. The church must bring 30% percent of the purchase price as their down payment. The longer the amortization schedule (20, and 25 years), the more affordable the monthly payments.
New Purchase Loan,  Construction Loan, Refinancing Loan, Renovation Loan, and Land Purchases.

Loan Terms:

• Fixed Rate
• Adjustable Rate
• Interest Only
• No Balloon 

This is a traditional church loan with amortizations ranging from 20 years and fixed terms ranging from 5 years to 10 years. The Church can choose between fixed or variable rates at a 20-year with an amortization period of up to 25-Years. Interest rates are very competitive.

Fixed Rate:
For Churches that qualify. This program offers churches a fully fixed rate. The interest rate is reviewed at the end of the  5 or 10-year term, when the rate may be adjusted to reflect general market conditions 15-Years and an amortization period of up to a 20-Year.  The fixed Interest Rate Program is also available.

What are your terms and conditions?

This program interest rate is reviewed at the end of the 5 or 10-year term, when the rate may be adjusted to reflect general market conditions, with amortization options up to 25 years. No Prepaid Penalty or fee.

Nitsua Inc., help structure your application and put you with a lender that fits the church's needs. We are experts in pre-underwriting all church loans.

How to Do You Qualify?

We come on board as your in-house finance consultant. To interface as a (CFC) Chief Finance Consultant for the ministries. Based on the information that you provide to us, we prepare a Loan Package for submission to various lenders selected based on your particular financing needs.

We pre-underwrite the loan request to meet the lender specialization. after all the proper information is gathered we are able to create a professional presentation to secure the most competitive loan rates and terms for your church.

Once you have received a letter of intent or commitment and choose the loan that best suits your church we complete the process quick and easy loan closing. In addition, we negotiate with the lender to assure the loan amount is in compliance with the church operating budget.