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LCEF exists to support the Lutheran Church - Missouri Synod by ensuring that financial resources and related services are available now and in the future.

Download this PDF or watch the video below for the the best way to understand who we are what we do...

How it all began:

The concept of “church extension” began back in 1902 when members of several congregations raised $400 to start a new congregation in a neighboring community. This sharing of God’s blessings and investing to expand Lutherans’ ability to share the Gospel continues now through Lutheran Church Extension Fund, or LCEF.

Why do we exist?

We exist for the sole purpose of empowering ministries in Kingdom work. Our goal each day is to identify opportunities to share our resources in order to expand God’s kingdom as Christ commanded in the Great Commission. We want more people to hear and believe, be baptized and grow in the Word, and join together in God’s saving grace and the gift of eternal life.

What do we do and How do we do it?

LCEF is a financial organization that empowers ministry. Through the dollars invested by over 50,000 individuals, congregations, schools, organizations and businesses, LCEF assists ministries with loans and ministry support services that help leaders respond to growth and community needs. LCEF also offers loans to rostered church workers—those dedicated servants who are on the front lines of ministry. Now celebrating 35 years as “Lutheran Church Extension Fund,” we are thankful for the blessings God has given us as we seek to serve Him.

Who should I call if I have questions?

For questions about your investments or existing loans, call LCEF Representatives at 1-800- 843-5233

For questions about new loans, email the CNH LCEF District Vice President, Matt Molinari


Ministry Improvement Loan


Here’s what makes the Ministry Improvement Loan stand out:

  • Convenient Repayment Terms:Enjoy interest-only payments for the first two years and then move to fully amortized payments.

  • Generous Limits: Funding up to $150,000 per borrower, providing ample resources for your institution’s growth and improvement projects.

  • Expedited Approvals: Because most of these loans are unsecured, the approval process is quick and easy. This allows you to proceed with your project timely.


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