Protect your congregation and church building from the effects of COVID-19 with resources from DCEF.

Like so many non-profit and faith organizations, Disciples congregations still require building and financial support throughout the coronavirus pandemic. Stay connected with the most recent updates from Disciples Church Extension Fund and find the resources you need to take care of your congregation, building, and finances. All in one place.

Paycheck Protection Program extended through May 31, 2021, providing small businesses with extra time to apply.

CARES Act - Paycheck Protection Program application assistance

The U.S. federal government has allocated more than USD $350 billion to assist small businesses, including non-profits such as congregations and other denominational organizations, in keeping employees on the payroll and covering critical expenses through this trying financial time. The CARES Act created the Paycheck Protection Program (PPP), providing loans through the Small Business Administration with provisions for loan forgiveness of up to 100%, depending upon how the loan funds are spent.

Disciples Church Extension Fund is collaborating with an organization we use for some of our employee benefits, Cost Stewardship, Inc., to provide assistance to Disciples congregations and organizations wanting to apply for these loans.

SBA opens up applications for Second Draw PPP Loans

The Small Business Administration (SBA) is now accepting Second Draw PPP Loan Applications from January 13, 2021 through March 31, 2021. Recipients of the first round of PPP loans that have used the full amount for authorized uses are eligible to apply. The same general terms apply for this round of lending. The loan amount is based on 2.5 times the average monthly payroll in either 2019 or 2020 and the borrower must be able to show that they had a 25% reduction in gross receipts in comparable quarters of 2019 and 2020.

Disciples Church Extension Fund is again available for assistance in preparing calculations for your PPP application if desired. For more information, visit our blog or contact us for help at

PPP Loans and the extension of time to file applications for funds - July 8

Access to PPP loans has been extended from June 30 to an application deadline of August 8th.  There are still $130 billion in PPP funds available.  If your congregation is still interested and in need of a PPP loan and are having trouble finding a lender, please contact DCEF at

PPP Loan Forgiveness Update - June 12

The Small Business Association has now published the PPP Loan Forgiveness application and calculation instructions. As a reminder, all or some portion of your PPP loan principal and accrued interest can be forgiven if you use the loan proceeds for eligible payroll and non-payroll expenses that fully meet the forgiveness requirements issued by the SBA. Entities that have received a PPP loan must apply within 10 months of the last day of their “covered” period. The “covered” period was initially eight weeks from the day the loan is funded, it has recently been extended to 24 weeks.

On June 3, 2020, the Senate passed the Paycheck Protection Program Flexibility Act of 2020. The purpose of the act was to make favorable changes to the PPP program to allow for borrowers to fully use proceeds for qualified purposes and to achieve broader forgiveness. A summary of this legislation is found below as published by the American Institue of Certified Public Accountants (AICPA).

AICPA Summary


PPP Loan Forgiveness Update - May 20

The Small Business Administration recently published guidance regarding applying for Forgiveness of the PPP Loans that have been funded. A link to that document is below, as well as the most recent version of the PPP Frequently Asked Questions document, also published by the Small Business Administration.

The application for Forgiveness of PPP Loans is done through the lending entity that funded the loans. Reach out to your lender if you have questions pertaining to the application for forgiveness process as it relates to that specific entity.

PPP Loan Forgiveness Application

PPP Frequently Asked Questions

Economic Injury Disaster Loans

The Economic Injury Disaster Loan (EIDL) is a federal lending program. It can benefit churches that have exhausted their working capital or anticipate doing so due to the prolonged challenges presented by COVID-19. EIDL loans are available through the Small Business Administration, but the deadline to apply for one is December 21, 2020.

How to Prepare Your Building for an Extended Period of Inactivity

During these uncertain times, when congregations and church staff are asked to ‘shelter in place,’ it can be hard on us to stay away from our houses of worship. But sitting empty can also take a toll on our buildings. DCEF has put together some tips on what you can do to prepare your facility for an extended period of inactivity.

Loan Payment Deferral Plan

The disruption caused by the pandemic extends well beyond its primary health concerns to virtually every aspect of daily life including, but not limited to, economic impacts for individuals and congregations. To assistance them, DCEF will provide a two-month deferral of loan payments.

Frequently Asked Questions

Does the loan deferral also apply to Disciples units/related institutions?

The automatic loan payment deferral isn’t available to Disciples organizations, but we will be working with these organizations to meet their needs on a case by case basis.

If our congregation has chosen to defer its loan payments, when will
they have to be repaid?

The deferred payments are put at the back of the loan. This means that payments are still due on their maturity dates, but with the accrued interest added. 

We're trying to apply for a PPP loan, but banks are no longer accepting applications. What do we do now?

Congress is working to pass legislation to provide additional funding to banks for the PPP. We encourage you to complete the application so that you're ready to submit it as soon as the funds come through. If you have any questions, feel free to contact us at

On the PPP application, does a church need to fill out anything in the Applicant Ownership / Owner Name / title / Ownership % etc. section?

This would not be applicable for an incorporated church or an unincorporated church or church association. 'Not Applicable' is the most appropriate answer.

Is PPP assistance just for congregations in the U.S.A., or for those in Canada as well?

The PPP is an American program, so Canadian non-profits would not be able to take advantage of it. We recommend that Canadian churches apply for a COVID-19 Response Grant from the National Benevolent Association. Additional information can be found on their website.

Staff and Partner Safety

To keep our employees and the congregations and individuals they work with safe, we have decided to implement changes to the way our staff and contractors do their jobs.

Partner Resources

DCEF is working with various organizations, whether they be General Ministries, Regions, or ecumenical organizations, to help Disciples at this time.

New Church Ministry

New Church Hacks is a free webinar series that helps new church leaders solve their tricky problems in each episode.

Communication Ministries

Our colleagues in the Office of the General Minister and President have put together a page on our denomination's website with links to video messages, reference materials, and more.

Christian Church (Disciples of Christ) in the Southwest

Advisors Jim Michel and Craig Walls joined the region in a Zoom call to discuss how movement in our buildings will be different when we re-enter our worship spaces.

United Church of Canada

Under the full communion agreement with the United Church of Canada (UCC), clergy can move freely between both denominations and each other's sacraments are recognized.

Tips and resources for members and congregations

Suggestions from the UCC offices, for congregations during the pandemic and for the reopening of the church buildings in phases

Reopening Churches

Safety considerations for reopening of the buildings and in-person worship during the pandemic.

Insurance Board

Insurance Board is a nonprofit organization that administers a church property insurance and church liability insurance program for congregations in the Christian Church (Disciples of Christ) in the United States and Canada, among other denominations.

Centers for Disease Control and Prevention (CDC) Resources

The CDC conducts critical science and provides health information that protects the United States against health threats, and responds when these arise.

Interim Guidance for Communities of Faith – Moving Back into your Buildings

General health and safety tips as congregations begin thinking about moving back into their buildings. 

FAQs for Administrators and Leaders at Community-and Faith-Based Organizations

CDC provided information on how to be prepared if there is spread of COVID-19 in the local community, or, if there are confirmed COVID-19 cases within the facility.

CDC Guidelines for Cleaning and Disinfecting your Facility

Tips on what needs to be cleaned, when it needs to be cleaned, and what to clean it with.

Public Health Agency of Canada Resources

The Public Health Agency of Canada is a federal institution that partners with others to prevent disease and injuries, promote good health, and provide information to support informed decision making.

Being prepared

This page outlines responses that communities and individuals can take during the pandemic.

Letter to faith community leaders from Canada’s Chief Public Health Officer

A letter from the Canadian Chief Public Health Officer, Dr. Theresa Tam, making recommendations to religious leaders to follow the guidelines set out by local, provincial, and territorial health authorities.

Other Resources

Cleaning Pews and Chairs

Sauder Worship manufactures wood and upholstered furniture for churches, auditoriums, courthouses and more. This blog post provides an in-depth look at how to clean and disinfect our historic pews or our chairs, without damaging the wood. The author talks about what to use and what not to use for making sure we can make our worship space safe.

Resuming Care-Filled Worship and Sacramental Life During a Pandemic

Through its blog posts, articles, and book reviews, Ministry Matters offers inspiration for pastors, teachers, and worship leaders. This ecumenical collaboration outlines benchmarks for worship together, planning of worship, resuming of worship, sacraments and pastoral rites as congregations begin thinking of moving back into their facilities.

Air Ventilation

While the scientific community is split over how big of a risk air movement is, it does agree that the virus is present in aerosol form and can be spread in a much wider and larger area than previously believed. To help your church make a decision on how to manage airflow, we encourage you to explore the links provided below.