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    • Commercial
    • House of Worship
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    • Working Capital
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  • Equipment Sellers
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    • Meet Our Team
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    • Payment Calculator
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  • Apply Now
    • Commercial Programs
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House of Worship

Financing

Help grow your church with financing that’s FAST, EASY and AFFORDABLE

APPLY NOW

CHURCH FINANCING

Get the equipment you need, when you need it!

It takes a variety of equipment for a church to run a successful service. From the newest technology in audio, video and lighting to seating, signage and heating/cooling units to keep your members comfortable, and much more… some of these purchases are planned months in advance while others come up unexpectedly. You need a trusted financing source that will work with you on projects large and small, and provide you with a budget friendly monthly payment option. We’re ready to do all we can to help you grow your church. Apply Now in just a few minutes!

Sometimes, we even surprise ourselves at all the different types of equipment we can finance for churches. We can finance multiple vendors on the same transaction, too. We want to be your one-stop shop and finance (almost) anything you need on one low monthly payment!

– Signage
– Sound Systems
– Furniture
– Janitorial Equipment
– School Furniture
– Church Signs
– Baptisteries
– Kitchen Equipment
– Daycare Equipment
– Office Equipment

–Heating/Cooling (HVAC)
– Pews
– Pulpit Furniture
– Vehicles
– Chairs
– Audio Equipment
– Lighting
– Video Equipment
– Musical Instruments
– Maintenance Equipment

Don’t see what you are looking for? Just ask us! If you need it for your church, we can probably finance it!

Our Process

Online Application

Fill our our one page application and send any required information.

Online Application

Fill our our one page application and send any required information.

Approval Process

You’re approved! Choose the option that best suits your monthly budget.

Approval Process

You’re approved! Choose the option that best suits your monthly budget.

Sign Paperwork

Final paperwork is signed and your vendor ships your new equipment.

Sign Paperwork

Final paperwork is signed and your vendor ships your new equipment.

Equipment Delivery

Your new equipment is delivered. Monthly payments are due the following month.

Equipment Delivery

Your new equipment is delivered. Monthly payments are due the following month.

Choose Your Perfect Program

  • Standard
  • Corp Only
  • Start Up
  • Second Chance

Standard

Most churches will qualify under the Standard Church Program. This program can help a wide range of churches, from average to great credit strength. The stronger the credit of the church and personal guarantor, the lower your monthly payment will be. Have less than perfect credit? No problem – this program is very flexible and will adjust to your situation.

MINISTRY REQUIREMENTS
–  2+ years in existence
–  All denominations, including Non-denominational churches
–  Personal Guarantor is required
–  $1,000+ minimum purchase
–  Church must maintain active registration with your U.S. state

PERSONAL GUARANTOR REQUIREMENTS
–  600+ FICO Score
–  Positive credit history for 1+ year
–  History of installment loans preferred
–  5+ open credit lines

PROGRAM HIGHLIGHTS
The Standard Church Program offers flexible payment terms with 12-60 month options available. Apply today within minutes and have your equipment ordered within 1-2 business days!

APPLY NOW!

REQUIREMENTS

2+ YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
PERSONAL GUARANTOR REQUIRED

Purchases of $1,000 - $15,000

- Online Application

- Quote or list of equipment to be purchased

Purchases of $15,000 - $250,000

- Online Application

- Last (3) months bank statements

- Quote or list of equipment to be purchased

Purchases of $250,000+

- Online Application

- Last (3) months bank statements

- Last (2) years Financial Statements

- Current Interim Statement

- Quote or list of equipment to be purchased

Premier Church Program

The Premier Church Program is for well-established churches with a strong member base. Typically, a personal guarantor is not required for this program. Check out our requirements below to see if you qualify. Please understand these are guidelines, we may be able to approve you for this program even if you do not meet each of the requirements.

MINISTRY REQUIREMENTS
– Must be established for 15+ years
– Being part of a major denomination is preferred
– 500+ Contributing Members

FINANCIAL REQUIREMENTS
– Church must maintain strong Cash Flow
– Audited/Reviewed Financial Statements may be requested
– Commercial Credit history required

PROGRAM HIGHLIGHTS
The Premier Church Program is our strongest program available to churches. Your ministry will be paying some of the lowest lease payments available in the market today.

APPLY NOW!

REQUIREMENTS

15+ YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
NO PERSONAL GUARANTOR REQUIRED

Purchases of $1,000 - $15,000

- Online Application

- Quote or list of equipment to be purchased

Purchases of $15,000 - $250,000

- Online Application

- Last (3) months bank statements

- Quote or list of equipment to be purchased

Purchases of $250,000+

- Online Application

- Last (3) months bank statements

- Last (2) years Financial Statements

- Current Interim Statement

- Quote or list of equipment to be purchased

Start-up Church Program

You’ve decided to open your own ministry. So, now what? Maybe you have secured your very own location, or maybe you are still working out the details on that. You are going to need a variety of equipment and furniture before your first service. Let us help you grow your ministry and finance your furniture, audio/video equipment, signage, and virtually anything you need to get your ministry off the ground.

MINISTRY REQUIREMENTS
– 0 – 2 years in existence
– All denominations, including Non-Denominational churches
– Personal Guarantor is required
– $1,000+ minimum purchase
– The church must be registered with your U.S. state

PERSONAL GUARANTOR REQUIREMENTS
– 600+ FICO Score
– Positive credit history for 1+ year
– History of installment loans preferred
– 5+ open credit lines

You’ve got options!

Many financial institutions simply do not offer financing to new organizations. With Hampton Ridge Financial, you’ve found a partner that will not only help you get off the ground, but will be there to help you grow for years to come.

APPLY NOW!

REQUIREMENTS

0-2 YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
PERSONAL GUARANTOR REQUIRED

Purchases of $1,000 - $25,000+

- Online Application

- Quote or list of equipment to be purchased
- Bank statements may be required

Second Chance Church Program

Challenged credit? We believe everyone deserves a second chance. If you filed for bankruptcy in the last few years or simply fell behind on payments causing your credit score to suffer, we can get you approved! Our goal is to help you get back on track and help you build your credit back up to where it should be.

MINISTRY REQUIREMENTS
– 0+ years in existence
– All denominations, including Non-Denominational churches
– Personal Guarantor is required
– $1,000+ minimum purchase
– The church must be registered with your U.S. state

PERSONAL GUARANTOR REQUIREMENTS
– 550+ FICO Score
– No currently past due accounts
– If a previous bankruptcy, must have newly established installment history since dismissal
– No open tax liens or judgments

APPLY NOW!

REQUIREMENTS

0+ YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
PERSONAL GUARANTOR REQUIRED

Purchases of $1,000 - $25,000+

- Online Application

- Quote or list of equipment to be purchased
- Bank statements may be required

FAQs

Why Lease?

Can I own the equipment if I lease?
Yes, many HRF leasing options allow your business to own the equipment after your last payment is made. End of lease options include $1 buyout, Term Residual Lease, 10-15% buyout, or Fair Market Value leases.
What kind of equipment can I lease?

If you need it for your business, there is a good chance we have leased it. Almost any type of business equipment qualifies, even used equipment.

Does leasing equipment improve my cash flow?

Yes! Instead of expending your cash reserves, you can generate revenue while making low monthly payments. This keeps your cash reserves available for other expenses.

My business is brand new, can I apply?

Yes! We provide financing for start-up businesses. Let us help you grow you business for years to come.

Is there a prepayment penalty?

With a lease, there is no prepayment penalty if you choose to pay off your contract early. If your goal is to pay the contract off early, we recommend choosing the shortest term that your budget can handle. This will provide you with the lowest out of pocket cost to fulfill your contract. Your early payoff amount is simply the remaining payments left in the contract, minus any discounts.

What if I have a low credit score or past bankruptcy?

We believe in second chances. Even if you have a previous bankruptcy and have re-established your credit, or simply went through a rough patch and missed a few payments, we can still get you approved.

EQUIPMENT EXPENSE

Calculate Your Payment

CONTACT US

Let's Get Started!

Are you ready to grow your business?
Get started today!
APPLY NOW

Connect With Us

Headquarters
Hampton Ridge Financial
1650 W College Dr #104
Marshall, MN 56258

Branch Office
108 W Church St
Belle Plaine, MN 56011

info@hamptonridgefinancial.com
866.815.4448

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