Funding for Faith Based Organizations

We provide innovative solutions to facilitate your vision for your ministry.

A Christian Lending Firm

Church Capital Resources provides funding for faith-based organizations nationwide. Since 1975, we have directed more than $1.78 billion in lending to churches. We offer experience and knowledge gained from operating in all types of financial markets.

One plan does not fit all churches.

Flexibility and tailored structuring based on the unique requirements of each client is a hallmark of our service. Our leadership views the services we provide as a ministry. You will find we are committed to be good stewards when working to meet your church’s financial needs. As “a bridge to the vision,” Church Capital Resources provides innovative solutions to facilitate your visions for ministry.

When Banks Compete You Win

We understand your church has a good relationship with its current bank. We wouldn’t expect otherwise.

Do you remember the old television commercial — “When banks compete, you win”? That is true. Our responsibility is bringing multiple lenders to compete for your financing.

Your current lender may be willing to finance the Church’s project and will be representing the best interest of the bank, as it should. Can a banker act in the best interest of both the bank and the Church? Scripture tells us: “No one can serve two masters.”

These are challenging times. Our desire is to help churches achieve their ministry goals. We look forward to visiting with you about these important matters.

May we suggest a beneficial approach for the Church’s consideration?

  1. The Church should have its own representative/advocate to negotiate capital needs; someone without divided loyalties.
  2. With our 70+ years of experience focused exclusively on this narrow field of non-profit financing, we act as your advocate.
  3. Church Capital Resources has multiple correspondent relationships with a variety of financial institutions regionally and nationally. And always …
  4. The Church makes the final decision of the lender.

Our Loan Packages

The loan package you select functions as a bridge but the structure of the package determines how far the bridge will take you.



Leadership Team

Since 1975, our team has directed more than $1.78 billion in lending to churches. Our leadership team views the services we provide as a ministry.  You will find us committed to being good stewards when working to meet your church’s capital expansion and/or refinancing requirements.

Chuck Needham

President and Founder

Chuck was raised in Fort Worth and graduated from Texas Christian University. While working in New York City with a national bank did postgraduate work at New York University. In addition, for several years Chuck attended Wharton Business School in Philadelphia, Pennsylvania for continuing education relating to the financial markets. Chuck has been a member of Christ Chapel Bible Church in Fort Worth, Texas for 30 years where he had the privilege of serving on the Elder Board and teaching an Adult Bible class on Sunday morning.

Dennis Moses


Having served churches throughout the U.S. since 1990 in Church Finance, Dennis understands the ever-changing role of ministries in today’s society. A gifted professional and committed Christ follower, Dennis brings an unwavering passion to helping the local church with their financing and banking needs. Throughout his successful career, he has worked with some of the country’s largest ministries and strives to devote his time to becoming like the men of Isschar were to King David, “...of the sons of Issachar who had understanding of the times, to know what Israel ought to do...” 1 Chronicles 12:13 (NKJV). He and his wife live in Brentwood, TN. They have six grown children and twelve grandchildren. Dennis serves as a deacon and trustee at Brentwood Baptist Church, one of the largest multi-site ministries in the country. He is active in bringing racial reconciliation to his church and to his community. He is also a certified Christian Life Coach.

Anne Walker

Vice President of Business Development

Anne grew up with a Missionary Pastor for a father and all the family joined in the ministry opportunities. After building a church and living in the beautiful Appalachian Mountains of Kentucky for several years, the family moved to South American and ministered in two countries there. These experiences gave Anne a love and enjoyment for all God’s people across a wonderfully broad spectrum of cultures.

After college and post graduate studies in the U.S. Anne worked in the Capital Stewardship arena for ten years prior to a 15 year career in Church Lending.

Anne and her husband enjoy attending their local church and family visits with children and grandchildren.

Clients we’ve had the privilege to serve.

What They’re Saying

I have known Chuck Needham for 30 years in several capacities. First as his pastor and then as a close friend. In all those years I have always been encouraged not only by the quality of his life, but his commitment to his community and his faith. Chuck is a unique individual in that he has exceptional insight into the inner workings of the local church and at the same time his understanding of the marketplace and how to match a church's needs with partners who can meet those needs and stand behind that ministry.

Chuck served as Chairman of the Elder Board for many years at our local church, so he understands how the church functions. He is biblically grounded and always has had an exceptional reputation within the church and community (1 Tim. 3). Chuck has understood the cost of doing business for a church and has always been extremely connected when it comes to finding resources to meet the needs of growing churches.

Having two children and being a faithful husband has also been highlights of is leadership. He is a man of integrity connecting God's people to further Kingdom work.

Dr. Ted KitchensPastor, Christ Chapel Bible Church

We have been privileged to know Dennis Moses for more than six years. In that time, we have been impressed by his demonstrated ability to help churches with their unique banking and financing needs. A respected thought leader in church lending, Dennis is a devoted professional, who faithfully guides churches through the often complex funding process.

Judi VictorCEO Church Executive Magazine

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