Business Concepts uses the following parameters to determine whether we can assist you.

• 33% Income Test- Your organization's annual debt service should not exceed one third of its income.  For example: If a church has general funds income of $750,000, the annual mortgage payment should not exceed $250,000.  Building-fund monies can be used in the calculation in some instances.

• 75% loan to value ratio- The percentage of the loan to the value of existing buildings, land, and the project being financed by the loan should not exceed 75%.  Example- Appraised or "book" value is $2,000,000.  That amount, multiplied by 75% suggests a $1,500,00 loan amount.

• The organization must have an operating history of more than three years.

• We have a minimum loan requirement.

• A fixed-price construction contract is required on new building projects.