What AGFinancial does

AGFinancial is a Springfield, Missouri-based, faith-aligned financial services organization affiliated with the Assemblies of God denomination, operating since 1949 with a current lending portfolio exceeding $1.6 billion and 450+ loans funded over the past three years. The company delivers a full suite of financial products to two primary segments: churches and ministries (church loans, church investments, retirement, insurance, planned giving) and faith-minded individuals (investments, retirement, insurance, planned giving). Its loan catalog spans First Perm, Permanent, Construction, Credit Lines, Vision, PAC Startup, and Facelift loans, with terms up to 25 years, adjustable rate periods of 1-7 years, interest rate caps, and no balloon payment structures. Planned giving products include Charitable Gift Annuities, Charitable Trusts, the Generosity Fund Donor Advised Fund, Endowments, and Estate & Trust Services, while insurance offerings include individual life, group life for credentialed AG ministers, key-man policies, and the per-diem Mission Assure product.

The company's go-to-market is a direct, consultant-led field sales model organized by region (e.g., North Central Region) with no broker fees, supplemented by phone, email, and a content-rich website featuring calculators, a resource library, and video series. Revenue is generated through interest on church mortgages (transaction-fee model), investment certificate products, planned giving vehicle management, and insurance commissions/fees, with portfolio economics benefiting from reinvested mortgage interest supporting ministry growth. Technology is not disclosed; the firm appears to operate as a relationship-driven specialty finance institution rather than a technology platform, and no AI, APIs, or proprietary software products are evidenced in the available data.

Name

AGFinancial

Legal name

AGFinancial

Website

https://agfinancial.org

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

51–100 employees

Short description

AGFinancial is a Springfield, Missouri-based faith-aligned financial services organization serving Assemblies of God churches, ministries, and faith-minded individuals through church loans ($1.6B+ portfolio), investments, insurance, and planned giving products.

Ownership category

akta.pro rank

Product category

Faith-Based Financial Services

NAICS

Religious Organizations (8131), Grantmaking and Giving Services (81321), Religious Organizations (81311)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Philanthropy & Foundations Advisory (Donor-Advised Funds, Endowments) (FSAAABAH)

akta.pro secondary industry

Local Congregations & Worship Communities (Churches, Mosques, Temples, Synagogues) (BPAGAJAA)

Keywords

• Church lending services
• Faith-based financial planning
• Ministry investment products
• Planned giving services
• Church insurance solutions

Headquarters

HQ city

Springfield

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Church Loans Interest: AGFinancial generates revenue through interest on church loans including first perm loans, permanent loans, construction loans, credit lines, vision loans, PAC startup loans, and facelift loans. Mortgage interest dollars are reinvested to support churches and ministries across the country.
2. Investment Products: Provides investment certificates and products for individuals and churches, offering competitive returns while benefiting ministry growth.
3. Planned Giving Services: Offers charitable gift annuities, donor advised funds (Generosity Fund), charitable trusts, endowments, and estate planning services. Revenue generated through minimum funding amounts and management of planned giving vehicles.
4. Insurance Products: Provides life insurance and Mission Assure travel insurance for mission trips. Life insurance is offered through A-rated carriers. Insurance products cover individual, group (credentialed AG ministers), and key-man policies for pastors.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

AGFinancial directly originates church-purpose mortgages (first perm, permanent, construction, credit lines, vision, PAC startup, facelift loans) for churches and ministries, and complements this with faith-aligned investment certificates, retirement planning, life and travel insurance, and planned giving services (charitable gift annuities, charitable trusts, Generosity Fund DAF, endowments, estate/trust services) for faith-minded individuals and church leadership. Revenue is generated through interest on church loans, investment product returns, planned giving management, and insurance placements, with a stated policy of reinvesting a portion of mortgage interest into ministry work.

Product overview

AGFinancial offers a comprehensive suite of faith-based financial services organized into two main segments: services for individuals (investments, retirement, insurance, and planned giving) and services for churches and ministries (church loans, investments, retirement, insurance, and planned giving). The core church loan products include First Perm Loans, Permanent Loans, Construction Loans, Credit Lines, Vision Loans, PAC Startup Loans, and Facelift Loans. For planned giving, the portfolio includes Charitable Gift Annuities, Charitable Trusts, Generosity Fund (Donor Advised Fund), Endowments, and Estate & Trust Services. Insurance offerings include Life Insurance and Mission Assure. The company also provides assessment tools like the DNA Discovery Assessment. These products are designed specifically for faith-based institutions and individuals who want to align their financial goals with their values, with a portion of interest dollars reinvested into ministry growth.

Differentiator

Problem solved

Functional benefit

Brands

• Mission Assure: Short-term insurance coverage for mission trips, camps, retreats, and church events
• Generosity Fund
• Ministry Impact Fund

Products and services

• First Perm Loan A loan product designed exclusively for new, high-performing, and seasoned church plants endorsed by a church-planting network such as the Church Multiplication Network (CMN).
• Permanent Loans Long-term, first-mortgage financing with flexible terms and competitive rates to help churches purchase facilities or refinance existing loans without balloon notes.
• Construction Loans Loans for new construction or renovation with interest-only payments during the project and guaranteed conversion to permanent financing upon completion.
• Credit Lines A customized alternative for short-term expenses, smaller renovation projects, and ongoing cash flow needs.
• Vision Loans Strategic financing for large churches to acquire new campuses, construct facilities, or renovate existing buildings with resources available when opportunities arise.
• PAC Startup Loans Financing designed for churches looking to plant a daughter church or revitalize a parent-affiliated church to reach more of the geographic community.
• Facelift Loans Quick financing for smaller renovation projects like parking lot resurfacing, lobby updates, and equipment purchases while keeping cash reserves intact.
• Charitable Gift Annuities Annuity providing fixed payments for life with the opportunity to create a charitable donation. Minimum $10K funded with cash, stocks or bonds.
• Charitable Trusts Trust structures that create an income stream and reduce taxable income while providing to the ministry of the donor's choice. Minimum $50K cash/securities or $100K real estate.
• Generosity Fund (Donor Advised Fund) A Donor Advised Fund that simplifies charitable giving management for recurring gifts to churches, disaster relief, or other causes. Available to anyone regardless of income level. Minimum $10K cash/securities or $100K real estate.
• Endowments Designed to keep the gifted principal intact so it can grow over time, with annual investment income used for scholarships, ministries, or donor-specified purposes. Minimum $10K cash/securities or $100K real estate.
• Estate & Trust Services Simple will preparation with free document packet when designating a 10% gift to the AG ministry of choice. AGFinancial can act as trustee upon completion.
• Life Insurance Life insurance customized to fit individual needs, working with A-rated or higher carriers to provide competitive pricing and quality coverage. Includes individual life, group insurance for credentialed AG ministers, and key man insurance for pastors.
• Mission Assure Full coverage insurance for mission trips, camps, youth outings, retreats, and other church events. Offers low per-person, per-day premiums ($2.50 domestic, $4.50 foreign).
• Investment Certificates Provides investment certificates and products for individuals and churches, offering competitive returns while benefiting ministry growth.

Quantifiable outcome

• More than $1.6 billion in current lending portfolio
• +2 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Thrivent Financial: Large, well-established Lutheran-affiliated financial services company offering banking, investments, insurance, and planning. Same faith-aligned vertical model as AGFinancial, but operating at vastly greater scale and across all 50 states.

Direct peers

• Guidestone Financial Resources: Provides loans, investments, retirement, insurance, and planned giving to Southern Baptist churches and affiliated individuals. Closest direct analogue to AGFinancial's denominational, full-service faith-aligned financial model, just tied to the SBC instead of AG.
• Barnabas Foundation: Charitable gift planning and giving services for Christian donors, including gift annuities, charitable trusts, and donor-advised funds. Highly comparable to AGFinancial's planned giving arm.
• Church Loan Group: Specialty commercial lender focused exclusively on churches and ministries, originating construction, permanent, and refinance loans. Directly competes with AGFinancial on the church-loan origination side.
• Brotherhood Mutual Insurance: Specialty insurer focused on churches, ministries, and Christian organizations, offering property/casualty and related coverages. Directly comparable to AGFinancial's church insurance and Mission Assure offerings.
• Great Commission Foundation: Faith-based financial and charitable giving organization serving evangelical Christians with planned giving and investment vehicles. Comparable to AGFinancial's mission-driven giving and investment products.
• MMBB Financial Services: Faith-based financial services organization serving Baptist and evangelical Christians with retirement plans, investments, and lending products. Closely mirrors AGFinancial's faith-aligned, denomination-tied full-service model.
• Concordia Plan Services: Provides financial services, retirement, and benefits to LCMS churches, schools, and rostered workers. Direct denomination-aligned peer with similar product mix (loans, retirement, insurance) and customer base.
• Christian Financial Credit Union: Faith-based credit union offering mortgages, savings, and lending to Christian individuals and ministries. Competes in the same faith-aligned lending niche as AGFinancial, though distributed via a member-owned model rather than consultant-led direct lending.
• National Christian Foundation: Operates donor-advised funds and giving solutions for Christian donors, overlapping directly with AGFinancial's Generosity Fund and broader planned-giving suite. Strongly comparable on the DAF/charitable planning side.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCpN8hP_3gB5v5c5d5d5d5d
• Xx.com/agfinancial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

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 AGFinancial