Lending for schools

Commercial lending experts for Australian Christian schools

ACS Financial has a long history and strong reputation for working with Christian
schools. Owned by Australian Christian Churches, we’re a profit-for-purpose company, sharing the same Christian values that you have. We’ve been helping schools secure loans from major banks or access flexible finance from our own ACCumulator fund.

Our extensive experience with lending for Christian schools has enabled us to understand the complex lending criteria banks impose on schools. It’s becoming increasingly difficult for schools to get a loan. We’re also across the State and Federal Government grants and funding process, and the time it takes to position the school to borrow funds.

Commercial lending experts for Australian Christian schools

ACS Financial has a long history and strong reputation for working with Christian
schools. Owned by Australian Christian Churches, we’re a profit-for-purpose company, sharing the same Christian values that you have. We’ve been helping schools secure loans from major banks or access flexible finance from our own ACCumulator fund.

Our extensive experience with lending for Christian schools has enabled us to understand the complex lending criteria banks impose on schools. It’s becoming increasingly difficult for schools to get a loan. We’re also across the State and Federal Government grants and funding process, and the time it takes to position the school to borrow funds.

We use our expertise to provide specific finance solutions to guide you through this process. Our goal is to give you a plan and to help you through what can be a complex and lengthy process of securing the funds you need for your school.

Our team is committed to understanding your situation, and facilitating the lending process by helping you extensively with your application. Call us to find out about finance options. We’ll give you a finance plan of action that will allow you to grow your school and achieve your vision.

The types of loans we provide for schools

Refinance for better rates

Review your loan for a more competitive rate. We help independent Christian schools negotiate and secure better interest rates so you can save on your repayments.


Enquire about our rates  >

Loans to complete renovations or construction

Expansion and new construction are necessary when you have growing school and student numbers. Let us guide you through your decision and loan application.


Get expert advice  >

Loans to purchase new buildings

Let us help you achieve the vision you have for your school. We’ll support you through the entire finance application process, enhancing your prospects for success. We also lend to schools from our own ACCumulator fund.

Apply for a loan  >

Greg Morris

Head of Operations, Oxford Falls Grammar School

"ACS Insurance Services has provided a complete school insurance package with competitive pricing and excellent service. I have always found the staff at ACS to be very helpful and willing to assist with enquiries. Their wealth of experience has been very beneficial and I look forward to continuing our relationship.”

How we help Christian schools with finance

The biggest challenge Christian schools face when it comes to acquiring a loan is the complex and lengthy loan application process with roadblocks at negative bankers and lenders.

  • ACS Financial thoroughly understands the application process for schools and how to tackle these obstacles 
  • We give you a clear plan of action from our first phone call with you. We guide you through each step, including getting your financial paperwork in order for a favourable result
  • We work closely with Christian schools to help secure loans with the best rates from major banks, or access flexible finance from our own ACCumulator fund with additional benefits
  • We’re financial services experts servicing churches, ministries, Christian schools, SMEs, and NFPs for nearly 30 years. As a trusted leader in financial services, we’ve built a strong reputation in the industry

Some of the Christian schools we’ve served:

Our process is collaborative

We’re here to give you a plan of action, and guide you through the lending application process. Our finance solutions are tailored specifically for your needs as an independent Christian school, and we’re with you at every step of the way for help and support.

  • Call 1800 646 777
  • Speak to one of our friendly staff
  • Let us know what you’re looking for
  • We listen to and understand your needs
  • We understand your financials
  • We identify a path forward
  • We discuss financial findings
  • We present you a quotation
  • We commence application

Need help deciding?

Our team of commercial lending experts are skilled and experienced in working closely with Christian schools. We take the time to understand your unique situation and work with you to find the best finance solutions.

We can even help you work towards your goals with a plan of action for getting your finance paperwork on track. Call now to get the financial guidance you need.

Why we love what we do

By supporting you in running safer community events, fundraising initiatives, and school programmes, we can foster a desire in others to be part of a purposeful community.

Our heart is dedicated to helping you grow your community and advance your vision.

Why our clients love us

We are a profit-for-purpose company, faith-aligned with Christian values

ACS Financial are not only owned by Australian Christian Churches (ACC), but we’ve been serving churches, ministries and Christian schools for nearly 30 years.

Our solutions have been refined over this time, with products tailored specifically for Christian schools. We work hard to make sure you have the best solution we can provide at an extremely competitive rate.

The team of experts are trained in commercial lending but we’re also experts in the complex needs of both the Christian and commercial sectors. We understand the unique challenges each of these sectors face.

We are a profit-for-purpose company, faith-aligned with Christian values

ACS Financial are not only owned by Australian Christian Churches (ACC), but we’ve been serving churches, ministries and Christian schools for nearly 30 years.

Our solutions have been refined over this time, with products tailored specifically for Christian schools. We work hard to make sure you have the best solution we can provide at an extremely competitive rate.

The team of experts are trained in commercial lending but we’re also experts in the complex needs of both the Christian and commercial sectors. We understand the unique challenges each of these sectors face.

Video 2
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Kings Christian College and ACS Financial

Kings Christian College is a longstanding client of ACS Financial who have grown considerably over the last 20 years. This video highlights the relationship between Kings Christian College and ACS Financial.

Video 1
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ACS Financial Desert Life Testimonial

Pastor Ben Teefy speaks of the process of the church’s insurance claim through ACS Financial as being a blessing in disguise. When the storm struck on a Friday afternoon, ACS had an assessor out at the facility over the weekend, assisting the church with recovery and assessment of the damage.

Video 3
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ACS Financial Living Waters Tumbulgum

ACS Financial were there to help. Within days of the natural disaster, ACS Financial were on the ground in Tumbulgum, helping Senior Pastors Rob and Brenda Stuttle begin the process of healing and rebuilding; both the community and its structures.

Slide 4
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ACS Financial Stanthorpe Vineyard Christian Church

Vineyard Christian Church were able to build a new kids’ church facility with funds secured through ACS Financial’s Commercial Lending service. The new kids’ church facility provides a fun, safe and engaging space for children to get to know God. 

We also provide

Not only are we a leading financial services provider for the Christian and commercial sectors, but we can also tailor products specifically to your unique individual needs. Discover our full range of services.

Solutions tailored to the unique challenges Australian churches face

Tailored products and services for Christian schools at competitive rates

Grow your funds with ethical investments attractive rates, and flexible terms

How can we help?

Ask us how we can tailor a package for you and help you move forward with your vision of advancing the
Kingdom of God.

What product/service are you interested in?
  •  Church/ministry/school insurance
  •  Business insurance
  •  Other types of insurance
  •  Commercial lending
  •  Investments
  •  Other (please leave message below)
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