Church Lending
Church Lending
WE UNDERSTAND CHURCHES.
WE UNDERSTAND LOANS.
We understand churches.
we understand loans.
The Baptist Foundation of South Carolina is pleased to offer church lending services through our new subsidiary organization, Seed Financial Services. With over 30 years of commercial lending experience behind Seed Financial, we are here to provide counsel and guidance about financial readiness as well as resources for Kingdom expansion projects to South Carolina Baptist churches. Whether your church needs advice or is ready to explore lending options, we can help!
About Seed Financial
Screened Investments
Your ministry can have confidence in how your funds are invested. Our investments are actively screened to avoid companies that go against Christian principles.
cLIENT FEEDBACK
TESTIMONIALS
Lake Bowen Baptist Church, Inman
There is no greater resource available to churches that need the assistance of funding than Seed Financial. From the first meeting to the day we signed our loan agreement, Seed Financial has been an incredible partner that has celebrated every victory in raising funds that we have celebrated. They truly are kingdom minded and kingdom focused.
Brad Atkins, Senior Pastor
Capstone Church, Fountain Inn
We are grateful for the partnership with Seed Financial! Working with Kelly has been a joy! Seed has allowed us to start Phase 1 of our ADVANCE the KINGDOM effort! Our first loan with Seed was smooth and very reasonable rates. We look forward to keeping this partnership as we take on the next phase of our project!
Chris Barrineau, Executive Pastor
Lending Process
What to expect
While each church and their circumstances are unique, the process is relatively similar and simple between
Redemptive investments money managers
Our Investment Funds
Our Services
Screened Investments
Your ministry can have confidence in how your funds are invested. Our investments are actively screened to avoid companies that go against Christian principles. We want to honor and steward what God has given us to the best of our ability.
Kingdom Fund
“The Kingdom of heaven is like a mustard seed…Though it is the smallest of all seeds, yet when it grows, it is the largest of garden plants..” Matthew 13:31-32, NIV
PURPOSE
The Kingdom Fund is designed to produce long-term growth over multiple years and changing market cycles. This strategy desires to outperform annual spending requirements, annual inflation and fees associated with investing, while managing strategic risk. This portfolio invests in stocks, bonds, real assets and alternatives.
WHO SHOULD INVEST
Investors who are tolerant of market volatility. This is an excellent fit for endowed and long-term funds.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Storehouse Fund
“Bring the whole tithe into the storehouse, that there may be food in my house.” Malachi 3:10, NIV
PURPOSE
The Storehouse Fund is designed to produce growth through short-term investing cycles. This strategy desires to outperform traditional money market funds and short-term CDs. This portfolio invests in real assets, bonds and other high-quality fixed instruments.
WHO SHOULD INVEST
Investors focused on short-term income needs and a low tolerance for risk.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Harvest Fund
“They sowed fields and planted vineyards that yielded a fruitful harvest.” Psalm 107:37, NIV
PURPOSE
The Harvest Fund is designed to produce growth of principal while generating income. This diversified portfolio invests in stocks, bonds and high-quality income producing investments.
WHO SHOULD INVEST
Investors who are tolerant of some market volatility. This is an excellent fit for ministry investments focused on future planning.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Money Market
PURPOSE
The Money Market Fund is designed to maintain cash holdings for distributable purposes. The fund is comparable to traditional bank money market funds, the goal of which is safety over income or growth.
WHO SHOULD INVEST
Investors may utilize the money market fund to invest a portion of funds for very short-term cash needs in which there is no margin for volatility. Some investors place a small portion of their total investment in a money market fund to protect that portion from potential volatility.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Kingdom Fund
“The Kingdom of heaven is like a mustard seed…Though it is the smallest of all seeds, yet when it grows, it is the largest of garden plants..” Matthew 13:31-32, NIV
PURPOSE
The Kingdom Fund is designed to produce long-term growth over multiple years and changing market cycles. This strategy desires to outperform annual spending requirements, annual inflation and fees associated with investing, while managing strategic risk. This portfolio invests in stocks, bonds, real assets and alternatives.
WHO SHOULD INVEST
Investors who are tolerant of market volatility. This is an excellent fit for endowed and long-term funds.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Storehouse Fund
“Bring the whole tithe into the storehouse, that there may be food in my house.” Malachi 3:10, NIV
PURPOSE
The Storehouse Fund is designed to produce growth through short-term investing cycles. This strategy desires to outperform traditional money market funds and short-term CDs. This portfolio invests in real assets, bonds and other high-quality fixed instruments.
WHO SHOULD INVEST
Investors focused on short-term income needs and a low tolerance for risk.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Harvest Fund
“They sowed fields and planted vineyards that yielded a fruitful harvest.” Psalm 107:37, NIV
PURPOSE
The Harvest Fund is designed to produce growth of principal while generating income. This diversified portfolio invests in stocks, bonds and high-quality income producing investments.
WHO SHOULD INVEST
Investors who are tolerant of some market volatility. This is an excellent fit for ministry investments focused on future planning.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
Money Market
PURPOSE
The Money Market Fund is designed to maintain cash holdings for distributable purposes. The fund is comparable to traditional bank money market funds, the goal of which is safety over income or growth.
WHO SHOULD INVEST
Investors may utilize the money market fund to invest a portion of funds for very short-term cash needs in which there is no margin for volatility. Some investors place a small portion of their total investment in a money market fund to protect that portion from potential volatility.
🔗Fund Facts & Returns
Notes: Funds are not FDIC insured. Past performance is not a guarantee of future results. Returns are net of money management fees. For your information, the invested funds managed by the Foundation are exempt from registration requirements of the federal securities laws.
About Investing
Ministries maintaining investment (agency) accounts may choose to invest totally in one of the individual funds or choose a blend of funds based on individual investment objectives. The investor chooses whether earnings will be reinvested or dispersed directly to them.
The Foundation can assist the church with developing an annual distribution strategy for ministry endowed and cemetery funds.
Endowed and trust funds given to the Foundation to invest for the benefit of a donor’s chosen ministry or ministries are invested as prescribed by the Foundation’s trustees. Endowed funds in which the Foundation has been entrusted to manage are invested in the Kingdom Fund with an annual distribution policy that provides steady annual payments without encroachment on fund corpus (principal).
Funds to be invested are initially placed in the money market fund until the first business day of the month following the date the funds are received. Monies are then allocated according to the investment allocation for the account.
Management fees generated through investment with the Baptist Foundation of SC are some of the lowest around!
let's get started
We would love to hear from you!
Together we can find ways for your ministry to make a bigger impact for the Kingdom. Reach out to us to schedule a time to talk and discuss what loan options are best for your ministry’s needs.