July 2021
Summer Newsletter

Total Active Investment Dollars : $80 M
Total Active Investments : 1,049
Total Assets : $84 M
Total Active Loans : 170
Total Active Loan Dollars : $64.7 M
Loan Apps Received in 2nd Quarter : 26
President's Corner
The continual growth of our Church Loan Fund is simply amazing! Both the investments and the loan requests continue to increase at a rapid pace.
For investors, we want to thank you for trusting us with your investment dollars. Our projections five years ago placed us at $47.8 million in investments for this year. As we close the books for our annual audit on June 30, 2021, our investments were miraculously at $79.7 million.
We are also grateful to still be able to report that in over ten years of operation, we have yet to have one loan default! This has much to do with our excellent underwriting staff who have ensured each loan is a wise transaction for both us and the church. We want to be certain a church has the capacity to pay back the money we loan them from your investments.
For those seeking a loan, again we are amazed at the requests that continue to come in each quarter, even through 2020 and the seasons of Covid-19. It is exciting to see pictures of new additions and completely new structures as well as renovations of our growing UPCI churches. And it is especially exciting to hear the stores of baptisms in water and spirit and miracles from our churches with loans. You ARE a part of every one of them through your investments with us.
Thank you for partnering with us in this end-time revival!

Stephen M. Drury, President
Investment Options
We know there are many choices for investing out there, but when you invest with us, you invest in the Kingdom. To date we've loaned out over $100 million to UPCI congregations across the United States. Helping these churches grow their reach and impact is our heartbeat, and we couldn't do it without you. Check out these investment opportunities below:

>Standard Certificates - Lock in your rate for 1, 3, or 5 years!

>Individual Retirement Accounts - Save for retirement!

>Coverdell Education Savings Accounts - Be ready for college expenses!

>Kingdom Impact Accounts - Flexible demand certificate!
>Kingdom Growth Certificates - 18-month term locked at 2.25%! New investors only, $1K minimum, $10K maximum deposit. Contact us for more info!
Church Highlight
By: Pastor Joe Giunta

In 2014, we answered the call to be North American Missionaries to the inner-city of Detroit, Michigan. God called us to plant churches in the heart of Detroit. We love God and we love our city. 
Over the past seven years we have lived in Detroit, we have faced many obstacles and have seen many great victories. God has helped us every step of the way. 
We began by holding services inside a homeless shelter and by preaching on street corners. We started Bible study groups in the homes of the people we were reaching. 
When we were ready to take the next step, we hosted a block party where over 1,500 people from the community attended. That day we saw over 150 souls filled with the baptism of the Holy Ghost and over 70 were baptized in Jesus’ name. What happened that day opened a door for us to begin holding our pre-launch services in a classroom and gymnasium of the Detroit Delta Prep School. After a short while, investors started to buy properties in Detroit, and our school was bought for an investment. This forced us to move from the school and meet in home groups. 
Neighboring UPCI pastors opened up their buildings to us throughout the week so we could host Bible Studies and use their baptismal. In 2019, we started renting from a church of another denomination. This was great because it allowed us to minister truth to them and win people to the Lord. 
In January of 2020, we felt impressed by the Lord to forego our lease renewal and start meeting back in our home. Little did we know that the Covid-19 pandemic was right around the corner. All throughout Covid-19 and since, we have been having church in our living room in order to save our finances for our own building. We have been able to save what we would've paid in rent for our building fund. Finally, in 2020, we were able to give a record offering to missions and Christmas for Christ. We also were able to see substantial growth in our building fund from the giving within our church. This was a great sign of growth for us. 
Through each one of these stages, we have grown together as a church, learned valuable lessons from the Lord, and witnessed His power moving among us. As we continued to hold services in our home, we tried many different avenues in looking for a building of our own, again, to no avail. It seemed as if everything we tried was not the right fit. We began to pray and seek God on what He would have us to do. 

Recently, we received a word from the prophet in our lives that it was now time! The very next day a close friend called to inform us about a church he had seen for sale. We went to check it out and were amazed. It was exactly what we had been looking for. We believed this was “the one” and we were ready to take the next steps.
We approached this with two things in mind; what we can do, and what God can do. We have always believed that if we do what we can do, God will do what He can do.
Two ways for us to own our new building...

1. What we can do - we apply for the loan we need to purchase our new building. We keep our finances in order, and we GIVE, GIVE, GIVE!

2. What God can do - we believe God for the finances to be completely debt free (which is His ultimate will for us), through everyone's generous giving, and our own financial stewardship.
Being a small church plant without having much financial history, we reached out to the UPCI Loan Fund. They guided us throughout the whole process. It was so refreshing talking to people about physical natural things like money and loans, but feeling their burden and desire to help us reach our city and fulfill our purpose. They were very helpful in knowing exactly what we needed. They knew we were a church and helped us meet our specific individual needs. 
With the help of the UPCI Loan Fund*, we have our new home! We have a place to facilitate revival and growth. We have a house that we can worship God in, and we have a building that will allow us to fulfill our call to be Missionaries to Detroit.
Interior of the new Detroit Hope Center
Exterior of the new Detroit Hope Center
Lender's Report
While the 2020-2021 fiscal year was marked with much uncertainty, the Loan Fund was able to continue growing! We were able to provide $13.8M in new loans to churches across America. We received twenty-six loan requests in the previous quarter (April – June 2021) alone. The increase in loan demand is a result of the growth so many churches are experiencing post-pandemic.
As we look forward to another year of growth, we want to provide tools to help churches plan for growth. We are currently developing a Budget Planning Dashboard that will be added to our website. This tool is designed to help pastors better plan for financial growth as attendance grows. It will also allow pastors to see how different loan amounts will impact their future budget. If you have suggestions or questions that could help us design the best budget planning tool possible, please contact me at rlovall@upci.org.

Rick Lovall, Vice President & Senior Loan Officer
Offering Circular 2021-2022
Each year the Church Loan Fund, in coordination with our Board of Directors and securities legal counsel, prepares an updated Offering Circular. The Offering Circular is a compilation of useful information which is designed to educate and inform current and prospective investors on our fund and the securities offered. Some of the information in the Offering Circular includes updated audit information, history of the fund, details on our Board of Directors, and details on each investment option. All of our investors are entitled and encouraged to receive and read through the Offering Circular before investing with us.
The 2021-2022 Offering Circular was approved and published in May 2021, and is now available on our website for viewing at upciloanfund.org/forms. You can also click the image to the left. If you would prefer a physical copy for your records, please contact our office.
Staff Updates
We want to take this chance to wish blessings on our exiting administrative assistant Emily Hunt as she and her husband Jared have been called to accept a youth pastorate in Mooresville, Indiana. Best wishes to the Hunts!

This means we will be welcoming a new admin, Alexa Cole! Alexa is originally from South Carolina and now serves alongside her husband Kolby at New Life St. Louis with Pastor Aaron Batchelor.

We are also welcoming a new position, Marketing Assistant. This will be filled by Raylyn White, who is native to Missouri and attends LightHouse Church under Pastor Brandon Buford in O’Fallon, Missouri.
Best wishes Emily!
Welcome Alexa!
Welcome Raylyn!
United Pentecostal Church Loan Fund | 636.229.7860 | info@upciloanfund.org | upciloanfund.org