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Last updated on Feb 1, 2023
2 min read

Funeral Home Financing

Funeral home loans for commercial real estate include traditional bank loans, which usually start at $500,000, and SBA financing, which starts at as little as $30,000. Acquire, build, refinance, or remodel with our low-cost loan options.

In this article:
  1. Funeral Home Loan Terms
  2. SBA Loans for Funeral Homes
  3. Get Your Free Funeral Home Property Loan Quote Today
  4. Get Financing
Start Your Application and Unlock the Power of Choice Experience expert guidance, competitive options, and unparalleled industry expertise.
Click Here to Get Quotes →
$5.6M offered by a Bank at 6.1%$1.2M offered by a Bank at 6.0%$2M offered by an Agency at 5.6%$1.4M offered by a Credit Union at 6.1%Click Here to Get Quotes!

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 Your Free Funeral Home Property Loan Quote Today

Get a quick, free, comprehensive loan quote. Fill in the form below, and our team will get right to work.

In this article:
  1. Funeral Home Loan Terms
  2. SBA Loans for Funeral Homes
  3. Get Your Free Funeral Home Property Loan Quote Today
  4. Get Financing

Getting commercial property financing should be easy.⁠ Now it is.

Click below for a free, no obligation quote and to learn more about your loan options.

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Commercial Real Estate Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Multifamily Today, Commercial Real Estate Loans, SBA7a Loans, CMBS Loans, Apartment Loans, HUD Loans, HUD 221d4 Loan, HUD 232 Loan, HUD 223f Loan, HUD 223a7 Loan, SBA Express Loans, SBA 504 Loans, and OpportunityZones Help.

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