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2021 Funeral Home Commercial Property Loans 


Saying farewell to a beloved friend or family member can be heartbreaking. However, a sensitive and caring funeral home can help make the entire memorial process as stress-free as possible, giving family members time to properly grieve. In 2017, funeral homes across the United States took in approximately $16 billion of revenue, while employing more than $120,000 people. If you're looking for financing to expand or refinance your funeral home, Commercial Real Estate Loans. is here to help.

Funeral Home Loan Terms

In general, our funeral home loan terms include: 

  • Loan Size: $500,000+

  • Loan Purpose: Loan can be used for property acquisition or refinancing, but cannot be used for business only-financing

  • Loan Term: 3, 5, 7 and 10-year fixed-rate terms

  • Amortization: 15, 20, 25 and 30-year options

  • Leverage: 90% LTV allowance

  • DSCR: 1.20 minimum DSCR

  • Credit Score Requirement: 660 minimum

SBA Loans for Funeral Homes

Instead of using privately-insured financing, many funeral home owners are finding that the SBA 7a and SBA 504 loan programs are actually the best loan products to suit their individual needs. In addition to funding the acquisition or refinancing of commercial real estate, SBA financing allows funeral home owners to purchase equipment and fund working capital. In many cases, that versatility makes these loans a superior choice. Despite the upsides of SBA loans, they can be tougher to get approved for-- and typically require that borrowers have very high credit scores and little previous debt. 

Get a Free Funeral Home Property Loan Quote Today

For funeral home property loans from just $500,000 and up, click the button below and fill out a short, secure form for a fast, easy, and free commercial loan quote from a commercial mortgage banker. You may also email us any time at