House of Worship
Financing
Help grow your church with financing that’s FAST, EASY and AFFORDABLE
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
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
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!
REQUIREMENTS
2+ YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
PERSONAL GUARANTOR REQUIRED
– Online Application
– Quote or list of equipment to be purchased
– Online Application
– Last (3) months bank statements
– Quote or list of equipment to be purchased
– 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.
REQUIREMENTS
15+ YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
NO PERSONAL GUARANTOR REQUIRED
– Online Application
– Quote or list of equipment to be purchased
– Online Application
– Last (3) months bank statements
– Quote or list of equipment to be purchased
– 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.
REQUIREMENTS
0-2 YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
PERSONAL GUARANTOR REQUIRED
– 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
REQUIREMENTS
0+ YEARS IN EXISTENCE
ALL DENOMINATIONS
CHURCHES OF ALL SIZES
PERSONAL GUARANTOR REQUIRED
– Online Application
– Quote or list of equipment to be purchased
– Bank statements may be required
FAQs
Why 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.
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.
Yes! We provide financing for start-up businesses. Let us help you grow you business for years to come.
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.
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
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