Bridging the funding gap
As an extension fund, we connect thousands of investors across the country with churches in need of building loans. We advise congregations toward strategic debt—offering manageable loans with the goal of a complete payoff of the note.
Always relational, never transactional
As a non-profit ministry, CDF isn’t always able to offer the lowest rate. We attempt to offset this limitation with more generous loan covenants and first-rate collaboration. We strive to be a long-term partner, walking alongside churches to accomplish the logistics side of their kingdom work.
Navigating the complexity of construction
In an era of rising building costs, heightened permitting expectations, and tighter deadlines, churches need a lender with robust project experience. Our construction cost management process has been designed so that church projects align with predetermined budget expectations, providing a clear pathway to project completion.
How CDF Can Serve You
Finance Your Construction Project
The process of building a house of worship is often a defining moment in the life of a church. Yet the challenge of maneuvering through a building project—from the design stage to completion—can be an overwhelming task.
In our more than seventy years of ministry, CDF Capital has assisted hundreds of churches through their construction projects. By utilizing the capital of our investors, churches have been able to build sanctuaries, redesign layouts, and expand campuses, all with the goal of making space for more people to discover Jesus.
Our team of professionals provides churches with the counsel needed to efficiently navigate the financial components of a building project, from initial concept to final move-in.
Purchase Your First Building
Not every church owns the building in which they gather for weekly worship. In most instances, however, ministries benefit from securing 24/7 space. Owning a building offers a church the opportunity to become embedded in their neighborhood while providing a consistent meeting location.
CDF Capital has helped hundreds of churches acquire their first permanent homes. We walk alongside leadership teams as they face the complexity of facility acquisition, explaining issues of logistics and affordability. Our desire is that churches uncover all potential issues before the building purchase so that the ministry can flourish through the transition into new space.
Refinance Your Debt
Established congregations must continually manage budgeting challenges. A church’s largest financial commitment is existing debt. Since churches are unique in the lending space, they are often forced to pay higher rates than other commercial loans.
CDF was started in 1953 to help churches that struggled to obtain competitive financing options. CDF Capital refinances loans to help churches find relief from steep costs. Our desire is for ministries to focus more on their communities than on their creditors.
About Our Church Loans
- We typically offer three-year and five-year terms (occasionally considering longer terms)
- Interest rates are generally fixed throughout the entire term
- Amortization periods are available for up to twenty-five years
- Construction loans convert to permanent financing at no additional cost
- For construction loans, we often offer interest-only periods (from twelve to eighteen months) to help churches adapt to new building costs
Our Field Team
BRAD DUPRAY
SENIOR VICE PRESIDENT,MINISTRY DEVELOPMENT
Brad Dupray, Senior Vice President, Ministry Development for CDF Capital, began his career with CDF in 1989. Since that time, he has seen the fund make over 1,000 loans for over $1.5 billion. Brad has a Bachelor’s Degree in Church Growth and Bible from Hope International University and an MBA from National University. Prior to his time with CDF Brad served on the staff of three churches in Southern California. While he was serving as Chairman of the Elders at Crossroads Christian Church in Corona, California, the church completed a $22 million campus expansion that included a 3,200 seat worship center. Brad and his wife, Kathy, live in Corona and attend VantagePoint Church in Eastvale, California.
Area Covered:
California, Oregon, Alaska, Hawaii
MATTHEW CARTER
VICE PRESIDENT,MINISTRY DEVELOPMENT
Matthew Carter is an Atlanta native and has been serving the local church for more than 25 years. He was on staff with 2 church plants in the Atlanta area. His expertise in church consulting began in the areas of stewardship development, church growth, and leadership. This experience segued into 12 years in church lending and financial consulting across the southeast. Since 1998, Matthew has worked with more than 1,000 churches. Matthew and his wife Deanna have been married 25 years and have 6 children. Matthew sees his role with CDF Capital as an opportunity to lock arms with local pastors to see their visions flourish.
States Covered:
Florida, Georgia, Alabama, Mississippi, Louisiana, Tennessee, South Carolina, North Carolina, Kentucky
JOE GRAHAM
VICE PRESIDENT,MINISTRY DEVELOPMENT
Joe Graham joined CDF Capital in October 2019. He lives in Colorado with his wife, Amy, of 20 years and their three children. He comes to CDF Capital with over 18 years of church and nonprofit lending and banking experience. Raised as a pastor’s kid, Joe is passionate about helping churches reach their mission and vision and seeing lives changed by Christ. In his position at CDF Capital, he can use his heart for Christ, his finance degree, and his work experience to provide insight into churches’ unique ministry needs.
States Covered:
Northern California, Oregon, Washington, Nevada, Arizona, New Mexico, Utah, Idaho, Wyoming, Colorado, Montana
TRENT SHIVLEY
VICE PRESIDENT,MINISTRY DEVELOPMENT
Trent comes to CDF Capital having worked almost two decades in full-time ministry. He served as executive pastor at Southpoint Church in Detroit and is currently an elder at Hope City Church. Prior to ministry, he worked in the automotive industry. Trent holds a Bachelor’s degree in Automotive & Heavy Equipment Management from Ferris State University as well as a Certificate in Bible from Moody Theological Seminary. He joined the CDF Capital team in 2024.
States Covered:
Michigan, Ohio, West Virginia, Virginia, Pennsylvania, D.C., Maryland, Delaware, New Jersey, New York, Connecticut, Rhode Island, Massachusetts, Vermont, New Hampshire, Maine, Indiana
DIRK SCATES
VICE PRESIDENT,MINISTRY DEVELOPMENT
Dirk is from Albuquerque, New Mexico, a 3rd generation Christian Church preacher. After graduating from Manhattan Christian College in 1982 Dirk served at Northwest Christian, Phoenix, AZ (10 yrs.), Providence Christian, Sugarland, TX (10yrs.) & Tonganoxie Christian, Tonganoxie, KS (10 yrs.) After thirty years in located ministries he loves Jesus even more and he still loves the church. Dirk has been married for 36 years to his wife, Shelley, who is a 7th grade technology teacher in Tonganoxie. They have three children, Drew, a campus pastor in Omaha, NE, Dylan, who works construction in Kansas City and Sagan Hundley who works for a non-profit in Kansas City.
States Covered:
Texas, Oklahoma, Arkansas, Kansas, Missouri, Nebraska, South Dakota, North Dakota, Minnesota, Iowa, Illinois, Wisconson