We Help Churches Grow

Since 1953, we’ve been helping churches get the resources they need to transform lives and communities.

We provide transformational capital to the church

God calls His people into a story of transformation. We help Christians and churches embrace their part in this story by providing the three kinds of capital every congregation needs for growth.

Financial Capital

God calls His people to steward their resources. We help Christians and churches put their finances to work for the Kingdom.

Individual Investments

Your investment dollars are loaned to churches — which comes back to you with interest.

Church Loans & More

We provide competitive rates on building and refinancing loans to help churches grow.


We don’t believe in cut-and-paste, one-size-fits-all solutions. Our world-class team of ministry practitioners walk alongside your leaders to increase the clarity, health, and alignment of your church.

Spiritual Capital

God calls His people to pray and exercise their spiritual strengths on behalf of one another. Our network showers churches with prayers for blessing and growth.








$650 million

total assets



loans made



church & ministry partners


Nearly $2 billion


New from the CDF Capital blog

Praying to Be Comfortable with Accountability

By CDF Capital | May 23, 2023

The word “accountability” usually makes people uncomfortable. The mere thought of being open, honest, and vulnerable with another person does not sound appealing.

Illuminating Words

By Steve Carr | May 18, 2023

As a child, I was taught the phrase, “sticks and stones may break my bones, but words will never hurt me.” As an adult, I laugh at this.

Blaming Words

By Steve Carr | May 7, 2023

There’s an entire genre within the entertainment industry known by this informal word. This is a category of story where you don’t know the culprit of the crime until it’s revealed at the end of the book, film, or television show.

Africa New Day with Harmony Brown

By Derrick Engoy | April 28, 2023

Harmony Brown, since her time with CDF Capital, has primarily been in the consulting world. She has helped individuals, businesses, and nonprofit organizations get a better handle on their mission and vision, funding, and community impact. Harmony’s latest journey, however, has the Colorado native ecstatic about the new opportunities that God has provided for her.…

Leaders Need Rest, Let Them

By CDF Capital | April 28, 2023

Ministry begins with rest. It does not spawn from the roots of strategy and busyness. Ministry is not birthed from growth principles and how-to books. It emerges from resting in God.

Challenging Words

By Steve Carr | April 20, 2023

The famous writer Mark Twain is to have said, “I am not troubled by the things in the Bible which I do not understand, but I am troubled by those things which I do understand and which I find very difficult to measure up to.”

Sabbath-Fueled Generosity

By Steve Carr | April 3, 2023

When someone asks me how I’m doing, I typically respond that I’m busy. I’ve been working on not answering this way. Using “busy” as my default status reminds me of my misplaced priorities. Even though it pains me to admit, I tend to advertise my busyness to establish my value or my importance.

A Short-Lived Generosity

By Steve Carr | March 24, 2023

My daughter recently had a birthday. On her birthday morning, there was a singular red balloon stuck in one of the trees in our front yard. It was as if some random person let go of the flying object to join us in her celebration.

The Work Behind Generosity

By Steve Carr | March 17, 2023

Even if you like what you do, chances are you still have a love/hate relationship with work. If you feel this way, you’re not alone.

Why You Should See Your Budget as a Church-Growth Document

By CDF Capital | March 10, 2023

When it comes to choosing their annual high points, very few ministers talk about how excited they were to create next year’s budget. While they would probably agree that it is an important document and acknowledge that a budget keeps their finances on track, very few pastors get excited about them-and that is a shame.…