MHC Funding

A division of First Bankers Trust Company, N.A.

MHC Funding specializes exclusively in financing mobile home parks and manufactured housing communities across Illinois, Iowa, Missouri, Indiana, Kentucky, Tennessee, and Ohio.

We provide fast, straightforward loan solutions backed by experienced lenders who understand the unique economics of manufactured housing community ownership.

Whether you are acquiring, refinancing, expanding, or improving a community, our team delivers competitive rates, flexible structures, and a streamlined process from application through closing.

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Experienced Lenders

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Efficient Process

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Competitive Rates

Manufactured Housing Community Loans

We offer financing for:

Community acquisitions
Portfolio expansions
Capital improvements
Refinancing existing loans
Infrastructure upgrades

Why community owners choose MHC Funding:

Industry-focused lending expertise
Competitive interest rates
Flexible underwriting tailored to mobile home communities
Dedicated lending team from start to finish
Remote documentation and secure online portal
Strong relationships with appraisers and title partners to accelerate closings

We understand lot rent structures, occupancy trends, utility setups, and the operational realities of your business.

More Than a Lender — A Complete Banking Partner

Unlike many specialty lenders, MHC Funding also provides full-service treasury management solutions to help you operate efficiently after closing.

Improve Cash Flow & Streamline Operations

Our Treasury Management Services help you:

Process tenant payments electronically (ACH, debit, credit, and e-commerce)
Automate rent collection and recurring payments
Send digital invoices with secure payment links
Pay vendors electronically
Manage payroll with Direct Deposit templates
Reduce check usage and postage costs

Protect Your Business from Fraud

We offer Positive Pay services to monitor and prevent check and electronic fraud, giving you real-time transaction oversight from your desktop or mobile device.

Maximize Your Cash Position

Our sweep services automatically move excess funds to:

Earn interest
Improve operational efficiency
Pay down lines of credit

Through our partnership with IntraFi Financial Network, we also offer expanded FDIC insurance using ICS® and CDARS® solutions for larger balances.

Backed by Strength. Built for Your Industry.

MHC Funding operates as a specialty brand of First Bankers Trust Company, N.A., a well-capitalized financial institution committed to long-term relationships and prudent credit standards.

You receive the specialization of an industry-focused lender — with the security and strength of an established bank.

What's Next?

Ready to explore financing or banking solutions for your community?

Complete the contact form to begin the process. A member of our lending team will schedule a discovery call to learn more about your property, your goals, and the type of financing you are seeking.

To complete a full loan review, we typically request:

Two years of personal and business tax returns
A personal financial statement

Loan terms are based on factors such as:

Loan amount
Credit profile
Property type and value

If you own or operate manufactured housing communities in IL, IA, MO, IN, KY, TN, or OH, MHC Funding is ready to be your financing and treasury partner.