We understand your calling
Our loans are built specifically for churches and Christian charities, with terms shaped by the unique rhythms of ministry and seasonal giving
Flexible loans for real ministry needs
Whether you're purchasing property, expanding your space, or managing a cashflow gap, we offer tailored solutions with realistic repayment terms
Trusted support from start to finish
We’ll walk with you every step of the way - from first enquiry to final repayment. Our faith-based approach and deep sector experience help you plan for growth with confidence
A building that brings hope to the people of our borough.
What was once derelict is now home to a thriving ministry. With support from Stewardship’s loans team, The Tab Church in London was able to complete their building project and bring their God-given vision to life.
Finance that fits the shape of ministry
We understand the unique financial pressures that churches and Christian charities face – from seasonal giving to mission-led planning. That’s why our loans are shaped around your ministry’s purpose, not profit margins. With terms that reflect your calling, we offer an approach that traditional lenders simply can’t.
Whatever your next step, we’ll help you take it
From purchasing your first property to funding urgent repairs or new developments, our loans are designed to support your mission at every stage. You’ll get realistic repayment options and a flexible approach built around your circumstances.
Walk with a team who shares your vision
You won’t be passed from person to person. We’re here to guide you through the process – with practical help, honest conversations, and a faith-filled perspective. With over £34 million loaned to churches and charities, we know what it takes to help ministries flourish.
Ready to apply?
If you’ve already got a project in motion and are ready to begin the application process, we’d love to hear from you. We’ll guide you through the next steps and help assess whether a Stewardship loan is the right fit.
Here’s what you’ll need to get started:
- A brief outline of your project and ministry goals
- Estimated loan amount and project cost
- Key contact and organisational details
- Any supporting documents you’ve already prepared
Simple and transparent fees
We don’t believe in hidden costs or complicated structures. Our fees are clear and designed to reflect the scale and nature of your project.
What you can expect:
- Tiered application and arrangement fees
- Competitive interest rates based on your project
- No penalties for early repayment
We tailor our fees to suit your ministry’s needs – and you can find the full breakdown on our dedicated page.
How our interest rates work
Our interest rates are designed to be competitive and fair – tailored to your project and ministry context.
We assess each application individually, taking into account your financial situation and the purpose of your loan. Loans provided by Stewardship are at a variable rate of interest known as the Standard Stewardship Lending Rate (SSLR). The rate is set by our Finance & Investment Committee and takes into account the Bank of England (BoE) base rate. See more information on Stewardship’s interest rate policy.
As a not-for-profit lender, any surplus is reinvested into supporting churches and Christian charities across the UK.
Is a Stewardship loan right for you?
Our loans are designed for UK-based churches and Christian charities looking to grow their mission, invest in property or navigate financial challenges.
You can apply if your organisation:
- Is a UK-registered church or Christian charity
- Has a clear Christian ethos and statement of faith
- Is planning to purchase, redevelop or repair property, or fund a ministry-related asset
- Can demonstrate sustainability and responsible financial planning
Not sure if you’re eligible? We’re happy to talk it through with you.
Frequently Asked Questions
Our loans currently range from £40,000 to £4million, however we can lend more if need be. Your loan should not exceed 65% of the value of the property to be secured. We may ask you to obtain an independent professional valuation for this purpose.
Under normal circumstances, the full sum of the agreed loan will be advanced on completion of lending. However, on request, the total loan can be advanced in any number of stages with no additional charges incurred.
A prospective borrower must satisfy Stewardship that its income is sufficient to service the borrowing. Repayment is by a regular monthly repayment of capital and interest. Lump sum repayments can be made at any time, without penalty.
The loan must be secured by a first charge on any property owned by the church or charity including some residential property (for example a church manse) provided the property is (or will be) owned by the church or charity rather than the occupier.
No
Churches and charities that are in line with our statement of faith
Yes we do consider them, but they will come under a separate fee structure that will need to be discussed.
Yes we can consider if it is the right thing to do.
Loans provided by Stewardship are at a variable rate of interest known as the Standard Stewardship Lending Rate (SSLR). The rate is set by our Finance & Investment Committee and takes into account the Bank of England (BoE) base rate. See more information on Stewardship’s interest rate policy.
Not quite ready to apply?
No problem – we’re here to help. Whether you’re in the early stages of planning or just want to explore what’s possible, our team can walk you through your options and answer any questions you have.
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Resource your mission
Grow your supporter base and inspire them to give more
Save precious time
Free up your team to do what matters most to your cause
Free to you
It's free of charge for churches and charities - all the benefits, at no cost
Specialist guidance
We fill in the gap of what you can’t do in your annual accounts
Personal service
We get to know your specific set up and requirements
Shared vision
We've been helping further Christian causes for over 100 years
Built for Kingdom impact
We specialise in serving churches and Christian charities, so your payroll isn’t just accurate, it’s aligned with your mission
Reliable. Compliant. Stress-free.
We handle the complexity of UK payroll regulations so you can focus on your people rather than the paperwork
Scaling with your needs
Our expert team and evolving technology mean you’ll always have the right support, whether you’re processing five salaries or five hundred
Expert guidance
Experienced professionals to help you find the right answers
Quick response
Drop us an email or call and we'll aim to get back to you within two working days
Great value
Pay one low annual fee and get access to a team of experts
Partnership
We're here to support you and help strengthen your church plant and its vision
Direction
Use our church planting guide to develop a road map for your church, specific to your context and vision
Long term
As your journey continues and your church grows, we'll be on hand every step of the way
Financial health check for churches
Take our free assessment tool to evaluate the financial health of your church.
Designed specifically for church leaders, trustees and treasurers, the Financial Health Check for Churches involves a comprehensive questionnaire to help identify areas that may need further attention and stimulate conversations that will strengthen your church.
