Ministry Partners Investment Company

What Ministry Partners Investment Company does

Ministry Partners Investment Company, LLC, founded in 1991 and headquartered in Brea, California, is a privately held Credit Union Service Organization (CUSO) that delivers a vertically integrated suite of financial products and services to Christian churches, ministries, faith-driven individuals and businesses, and other financial institutions. The company is owned by 11 credit unions, with AdelFi Christian Banking and America's Christian Credit Union (ACCU) collectively controlling 51%, and operates through five wholly-owned subsidiaries — Ministry Partners Securities LLC (FINRA/SIPC broker-dealer), Ministry Partners Funding LLC, Ministry Partners Realty, and Ministry Partners for Christ.

The company's core activity is church and ministry lending (purchase financing, refinancing, construction, secured lines of credit, letters of credit), funded by issuing unsecured debt securities to investors — most recently the 2024 Class A Certificates in Variable Series (monthly reset, 36-month maturity, $10,000 minimum) and Fixed Series (1–5 year maturities, $1,000 minimum), supplemented by Rule 506 private placements. Alongside lending, Ministry Partners provides loan origination, servicing, and participation services to credit unions, banks, and denominational foundations, as well as advisory, treasury management, ethically responsible investments, employee benefits (401(k)/403(b)/IRA), and risk management planning to its end clients. Investment advisory is delivered through Ministry Partners Securities and, via DBA Ministry Partners Advisory, through 724 Capital LLC.

The business generates revenue primarily through loan interest income on the in-house church loan book, spread earned on debt securities issuance (where investor yields are below loan yields), loan servicing and participation fees from third-party financial institutions, and advisory/broker-dealer commissions on investment and insurance products. The company does not disclose a proprietary technology platform, operates without a self-serve digital channel, and relies on a relationship-driven, direct sales motion with phone outreach, face-to-face engagement with church leadership, and referrals through its owner credit union network.

Name

Ministry Partners Investment Company

Legal name

Ministry Partners Investment Company, LLC

Website

https://ministrypartners.org

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Ministry Partners Investment Company is a Credit Union Service Organization (CUSO) owned by 11 credit unions that provides church and ministry lending, loan servicing, debt securities, and faith-aligned financial advisory services to evangelical churches, ministries, individuals, and other financial institutions across the United States.

Ownership category

akta.pro rank

Headquarters

HQ city

Brea

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Interest Income: Ministry Partners originates and services loans to evangelical churches and ministries. Interest income from these loans constitutes the primary revenue driver. The company uses proceeds from debt securities to fund these lending operations.
2. Debt Securities Issuance: The company issues 2024 Class A Certificates (Variable and Fixed Series) and private placement offerings through its broker-dealer subsidiary, Ministry Partners Securities LLC. Proceeds fund church ministry loans, repayment of maturing certificates, and general corporate purposes.
3. Loan Servicing Fees: Ministry Partners provides loan origination and ongoing loan servicing to credit unions, banks, and denominational foundations. Servicing fees are earned on the loan portfolio managed on behalf of third-party financial institutions.
4. Financial Advisory and Broker-Dealer Services: Through Ministry Partners Securities LLC, the company offers investment advisory, securities, and insurance products and services, including financial, tax, retirement, and legacy planning to individuals, churches, and ministries.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Ministry Partners Investment Company, LLC provides church and ministry lending (purchase, refinancing, construction, lines of credit), loan servicing and participations for credit unions and banks, and investment certificates (2024 Class A Variable and Fixed Series) plus private placements distributed through its FINRA/SIPC broker-dealer subsidiary. It also offers biblically aligned financial advisory, insurance, treasury management, employee benefits, and risk management planning to churches, ministries, individuals, and Christian-owned businesses.

Product overview

Ministry Partners Investment Company operates as a Credit Union Service Organization (CUSO) providing a comprehensive suite of financial products and services through its parent company and five subsidiaries: Ministry Partners Securities, LLC (securities/broker-dealer), Ministry Partners Funding, LLC (funding), Ministry Partners Realty (real estate), and Ministry Partners for Christ. The company serves three primary segments: (1) churches and ministries through ministry lending, treasury management, ethically responsible investments, and employee benefits; (2) individuals and Christian-owned businesses through biblical financial planning, business lending, and investment products; and (3) financial institutions (credit unions, banks, denominational foundations) through loan origination, servicing, and participation services. Investment products include 2024 Class A Certificates (Variable and Fixed Series) and Private Placement Offerings, all offered through the broker-dealer subsidiary. The company is owned by 11 credit unions with AdelFi and America's Christian Credit Union collectively holding 51% ownership.

Differentiator

Problem solved

Functional benefit

Products and services

• Ministry Lending Church and ministry lending solutions including refinancing, purchase financing, construction lending, letters of credit, and secured lines of credit tailored to evangelical churches and ministries.
• Business Lending Lending solutions for Christian-owned businesses including real estate secured loans, equipment loans, refinancing, purchase financing, and secured lines of credit.
• Loan Origination Services Loan origination for purchase, refinancing, letters of credit, lines of credit, and construction lending performed on behalf of credit unions, banks, and denominational foundations.
• Loan Servicing Standard loan servicing including payment processing and collections, plus special asset management for church loan portfolios held by financial institutions.
• Loan Participations Permanent and construction church loan participations allowing financial institutions to diversify risk and grow balance sheets without bearing full origination and servicing costs.
• Treasury Management Services Cash management services for churches and ministries including cash reserves, certificates of deposit, money markets, and CDARS deposits.
• Ethically Responsible Investments Biblically-aligned investment options for churches, ministries, individuals, and businesses that are screened against Christian beliefs and values.
• Employee Benefits and Retirement Plans Retirement planning services for ministry employees and Christian-owned businesses including 401(k), 403(b), SEPs, SIMPLE plans, IRAs, and other retirement plans.
• Risk Management Planning Risk planning services for churches and ministries including key person life and disability insurance, health coverage, and buy-sell agreements.
• Biblical Financial Planning Holistic financial planning for individuals and Christian-owned businesses based on biblically-based principles, including retirement, college funding, insurance, tax, and inheritance/legacy planning.
• 2024 Class A Certificates - Variable Series Unsecured debt certificates paying variable interest that resets monthly based on an index, maturing in 36 months with no penalty redemption after three months; minimum $10,000 investment.
• 2024 Class A Certificates - Fixed Series Unsecured debt certificates paying fixed interest established at purchase, available in 1-5 year maturities with early redemption at issuer discretion; minimum $1,000 investment.
• Private Placement Offerings Rule 506 exemption securities issued to eligible investors, with proceeds used to fund church and ministry loans or general corporate purposes; highly speculative and illiquid.

Quantifiable outcome

• Above-average loan participation yields for financial institution clients

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Ministry Partners Securities, LLCcoreOthersWholly-owned subsidiary of Ministry Partners Investment Company. A registered broker-dealer (member FINRA, SIPC), CA insurance agency (#0123419), and CA state-registered investment adviser. Distributes Ministry Partners debt securities and provides investment advisory services, financial planning, and insurance products.
• Ministry Partners Funding, LLCminorOthersWholly-owned subsidiary of Ministry Partners Investment Company, engaged in church financing operations.
• Ministry Partners RealtyminorOthersWholly-owned subsidiary of Ministry Partners Investment Company, part of the parent organization's suite of financial services.
• Ministry Partners for ChristminorOthersWholly-owned subsidiary of Ministry Partners Investment Company, part of the parent organization's suite of financial services.
• 724 Capital, LLCminorOthersSEC-registered investment adviser that is separate from Ministry Partners. Ministry Partners investment professionals, doing business as Ministry Partners Advisory, offer advisory services as investment adviser representatives with 724 Capital, LLC.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Baptist Foundation of Texas: Faith-based lending and investment services organization serving Baptist churches, institutions, and individuals — comparable model of issuing securities to fund ministry loans within a denominational ecosystem.
• GuideStone Financial Resources: Faith-based financial services organization serving Southern Baptist churches, pastors, and ministry workers with retirement plans, insurance, and investment products — directly comparable integrated offering for a faith-aligned client base.
• CDF Capital: Catholic-focused faith-based lender providing loans and investment products to Catholic parishes, schools, and ministries — the closest analogue to Ministry Partners' model in the Catholic market.
• Brotherhood Mutual Insurance: Insurance company specialising in property, liability, and risk management for churches and ministries — adjacent but directly comparable in serving the same evangelical church customer segment with specialty financial products.
• Church Pension Group: Financial services organization serving Episcopal Church clergy and institutions with pension, health, retirement, and insurance products — comparable integrated faith-based financial services platform.
• Christian Community Credit Union: Faith-based credit union offering lending, deposits, and investment services to Christians, churches, and ministries — comparable faith-aligned financial services franchise with overlapping member/borrower segments.
• America's Christian Credit Union: Faith-based credit union that is also a 51%-controlling owner of Ministry Partners through the CUSO structure; offers directly comparable deposit, lending, and investment products to the same ministry and individual customer base.

Regional players

• Adventist Risk Management: Faith-aligned financial services and risk management organisation serving Seventh-day Adventist institutions and members globally — comparable integrated faith-based services model in a different denominational context.

Broad incumbents

• Connexus Credit Union: Large national credit union offering deposit, lending, and investment products broadly — comparable credit-union product set but without Ministry Partners' faith-based specialisation or church-lending franchise.

Others

• Servus Credit Union: Canadian credit union offering deposit, lending, and wealth services — illustrates the broader credit-union competitive set that, while not faith-aligned, competes for the institutional capital markets and lending talent pool relevant to Ministry Partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ministry-partners-investment-company-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries4 records

Funding overview

Funding rounds3 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ministry Partners Investment Company