Church Finances

Resourcing the church to fulfill God’s mission.

United We Build

The expense of purchasing land and constructing new buildings is often greater than a church can afford without a special campaign. United We Build helps Texas Baptist churches raise the money necessary to meet these financial needs. This three-year program, built on the principles of prayer and God’s leadership, leads church members to make a commitment to give to the building project.

The key feature of United We Build is the “Spiritual Preparation Weekend,” which provides the spiritual foundation for the entire program. There is a special version of United We Build for smaller membership churches. Learn more…

Church Budget Programs

Although stewardship should be part of the ongoing discipleship ministry of your church, periodically there is a need for a special emphasis. This is usually a three to six-week emphasis that includes publicity, Bible study, preaching and other features. These budget programs provide a concentrated effort to increase the stewardship level of your congregation, and all can be tailored to fit your unique needs.

Budget Worksheets

Budget worksheets serve as a guide for development of your church budget. Once these worksheets are loaded on your computer, all computations are done automatically. These worksheets also provide suggestions based on averages from other churches and allow you to see if your church expenditures are in line with what others are doing. They also serve as a reminder of expenses that you might overlook. These budget worksheets are an excellent resource for smaller churches or new churches.

Church Budget Template Plantilla Presupuesto de la Iglesia

Tax Guide for Churches

This guide is for withholding and reporting payroll taxes in compliance with the Internal Revenue Code includes Social Security and Medicare taxes, federal income tax, reporting and paying employment taxes, information returns, unemployment taxes, workers compensation insurance, minister’s housing allowance, employee business expenses and moving expenses.

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Church Staff Compensation Guide

Find guide here…

The Baptist Church Loan Corporation provides loans to churches that are affiliated with the Baptist General Convention of Texas. Loans can be for new construction, remodeling, purchasing existing buildings, purchasing land or refinancing existing debt on more favorable terms. A typical loan would be for up to 75% of the appraised value of the land and facilities and amortized for 15 years. Shorter-term loans based on capital fund raising pledges also are available.

The BCLC staff members will also help your church and its building committee work through issues related to how much debt your church can afford. Also, BCLC’s web site contains a handy calculator to help determine the maximum debt your church should consider. Learn more…

Financing Guidelines

Financial planning provides a church with helpful hints about how much debt it can afford, creating a building budget and determining what funds will be available for the project. Careful financial planning is essential and vital to the success of any building project. A summary of Baptist Church Loan Corporation lending guidelines including loan-to-appraised value ratio, debt-to-income ratio, loan amortization term, interest rate and required legal documents is available.

Small Church Loans and Grants


Contact our church architecture office for more details.

Small Church Loan

Established by the Mary Hill Davis Offering for Texas Missions, the Small Church Loan fund provides construction loans of up to $25,000 for congregations with a worship attendance of 100 people or less, annual church income of $100,000 or less and for a construction project of $200,000 or less. The loan has a 10-year term at 6% interest. Loans are provided to churches that are affiliated with the Baptist General Convention of Texas.

Smith Loan

Established by the R.W. Smith family, this fund provides loans of up to $7,500 to churches with membership of 200 or less for church building improvements and new construction. The loan has a six-year term with a low interest rate. Loans are provided to churches that are affiliated with the Baptist General Convention of Texas.

Small Church Matching Grant

Funded by the Mary Hill Davis Offering for Texas Missions, this matching grant provides up to $5,000 to match money raised by a congregation for remodeling or new construction. It is available for churches at least five years or older with worship attendance of 100 or less, annual income of $100,000 or less, for construction projects of $200,000 or less. Grants are provided to churches that are affiliated with the Baptist General Convention of Texas as funds are available.

Disaster Relief Church Building Recovery Grant

This grant of up to $5,000 is available for smaller congregations that have had their church building damaged by storms of tornado, hurricane, flooding or fire. A facilities consultant first helps the church assess their situation after a disaster event and determine the best course of action to continue church programs and to restore their building. Second, the consultant helps the church consider options to financially recover from the disaster event relative to their insurance coverage and financial capability. Grants are provided to churches that are affiliated with the Baptist General Convention of Texas as funds are available.

Brochures and Bulletin Inserts

Teaching stewardship is an ongoing process that requires numerous methods. Providing printed reminders can be an important tool in this task. Using brochures and bulletin inserts that give short, insightful messages will encourage your church members to think about the stewardship implications of their daily actions. These brochures and bulletin inserts are colorful and impactful. They deal with a wide range of stewardship issues like tithing, saving and spending, as well as attitudes. They can also be used as mailers to church members or as handouts to guests. We also offer short (30 to 60 seconds) PowerPoint presentations about contentment, inheritance, tithing and wisdom that can be used in a variety of settings.

Wills and Trusts

The Texas Baptist Missions Foundation will help answer questions about making and revising wills. We have workbooks to help plan your will according to God’s will. We also provide information on charitable giving options, including gift annuities, stocks, living trust and life insurance.

Estate and Financial Planning Seminars

The Texas Baptist Missions Foundation assists with special conferences for all of your church’s adult members and, especially, senior adults. Conferences cover such topics as:

  • Supporting missions beyond your lifetime,
  • Stretching your income in retirement,
  • Steps to a practical estate plan, and
  • How to put your financial house in order.

The Texas Baptist Missions Foundation is supported by Texas Baptists through the Cooperative Program and through endowment gifts from generous Texas Baptists. The services are available without cost or obligation to BGCT churches.

Bible Studies

It is important to use Bible study opportunities to provide stewardship training for your church members. This Bible study material, in numerous one-session lessons for adults, is available in several formats. There also are several series of lessons that take from three to six sessions to complete. The lessons are accompanied by a teacher’s guide and cover a variety of stewardship subjects so you can select them according to the needs of your church. You will also want to provide teaching for the children of your church. A series of stewardship lessons for younger children and for older children are available for download from the web site at no charge.

Financial Truths Preaching Helps Children, 1st-3rd Children, 4th-6th