Church Capital

What Church Capital does

Church Capital is a private, for-profit commercial lender founded in 1999 and headquartered in Alameda, California. The company provides commercial loans to a specialized borrower segment — churches, temples, schools, and non-profit organizations — a niche where generalist banks often decline to lend due to perceived risk, atypical collateral, or limited underwriting familiarity. With a headcount of 11 to 50 employees, the firm operates as a small specialty finance business rather than a high-volume originator.

The company is led by founder and President Kevin Heslin, with Phil Williams serving as Chief Operating Officer; no other executive, board, or management details are disclosed in the source material. The business model centers on originating and servicing commercial loans for institutional borrowers in the faith-based and non-profit sector, though specific pricing mechanics, loan-size ranges, portfolio composition, underwriting process, technology infrastructure, and revenue details are not disclosed. The company's public website (churchcapital.net) currently renders only a loading/verification message with no product, application, or contact content visible.

Evidence regarding funding, investor base, parent company, subsidiaries, partnerships, geographic footprint beyond the United States, regulatory or licensing footprint, customer concentration, awards, patents, and product launches is absent from available sources. As a result, this description is necessarily constrained to the firmographic, leadership, and stated business-focus data points that are present.

Name

Church Capital

Website

https://churchcapital.net

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Church Capital is a private commercial lender founded in 1999 in Alameda, California, that provides commercial loans for churches, temples, schools, and non-profit organizations. The company operates as a small specialty finance business serving the faith-based and non-profit sector.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Commercial Banking (522110)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Philanthropic & Charitable Trust Services (FSAAANAI)

akta.pro secondary industries

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

Keywords

• Church lending
• Non-profit loans
• Commercial lending
• Religious organization financing
• Faith-based lending

Headquarters

HQ city

Alameda

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Core offering

Church Capital provides commercial loans to religious institutions (churches, temples), schools, and other non-profit organizations. The firm, founded in 1999 and headquartered in Alameda, California, specializes in financing tailored to the unique needs of faith-based and non-profit borrowers.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Loans for Religious and Non-Profit Organizations Commercial loan products extended to churches, temples, schools, and other non-profit organizations. The offering provides financing tailored to the unique cash flow and governance structures of faith-based and non-profit borrowers for purposes such as property acquisition, construction, renovation, or operational needs.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights1 record

Others

• Opportunity Finance Network: National network of Community Development Financial Institutions (CDFIs) - comparable as a coalition of mission-driven lenders serving non-profits and underserved borrowers, though a network rather than a direct competitor.
• CDFI Fund: U.S. Treasury program that funds and certifies CDFIs lending to underserved communities including non-profits - relevant as a structural counterparty and ecosystem participant shaping competitive dynamics in non-profit lending.

Direct peers

• Live Oak Bank: Public bank specializing in niche commercial lending verticals including religious organizations and non-profits - comparable as a specialty commercial lender with similar faith-based and non-profit borrower focus.
• Stearns Bank: Private specialty commercial lender offering equipment, church, and small business financing - comparable as a specialty commercial lender with an explicit church and ministry lending vertical.
• Christian Community Credit Union: Faith-based credit union providing loans, deposits, and financial services to churches, ministries, and Christian schools - directly comparable as a lender serving essentially the same customer base as Church Capital.
• Horizons Stewardship: Provides loans, financial planning, and stewardship services to churches and faith-based ministries - directly comparable as a specialty faith-based lender and financial services provider.

Broad incumbents

• OnDeck: Tech-enabled SMB lender providing working capital loans and lines of credit - comparable as a small-business commercial lender, though with a broader (non-niche) market focus.
• Wells Fargo Community Lending and Investment: Large diversified bank with significant community lending, non-profit, and faith-based organization exposure - provides a broad incumbent comparison to a niche specialist.
• Funding Circle: Public SMB lending platform providing term loans and lines of credit to small businesses - comparable as a commercial small-business lender, though not focused on faith-based borrowers.
• JPMorgan Chase Community Development Banking: Large national bank with a dedicated Community Development Banking group that lends to non-profits, faith-based organizations, and affordable housing developers - comparable as a scaled lender serving the same non-profit sector.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/_churchcapital
• Facebookfacebook.com/churchcapital
• LinkedInlinkedin.com/company/church-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Church Capital