1. Local pastors invite MC staff to provide Biblical Stewardship Training for their congregations.

  2. Aspiring Entrepreneurs develop a Business plan and submit for loan review process after training on business basics & Biblical ethics.

  3. Based on its merits, the Business Plan is then rated.

  4. Approved loans are funded until loan funds are gone.

  5. The interest revenues generated by the loans fund the operating costs of HFC International.

  6. When loans are repaid (averaging 2 years), the principle is loaned to a new entrepreneur and the process starts over… perpetually building God’s Kingdom.

  7. *Loan defaults are rare because of referral process, applicant’s business plan training, the review of each loan for practicality and the applicant’s potential to repay the loan.


Loan Cycle