How much do SBA lenders typically lend to a cemeteries and crematories business?

The median SBA approval in NAICS 812220 is $234,000, with the middle 80% of loans between $42,500 and $1,110,500. Across all industries the median is $180,000.

Which lenders are most active in cemeteries and crematories?

By dollars approved: Live Oak Banking Company, IncredibleBank, The Huntington National Bank, Wells Fargo Bank, U.S. Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is cemeteries and crematories considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.8% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 812220 · Other Services

SBA loans for cemeteries and crematories

278 SBA loans worth $127.7M have been approved in this industry since FY2010 - the #469 most-financed NAICS code in the country.

Median loan

$234,000

+30% vs all industries

Typical range

$43K-$1.1M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10.3 yr

Charge-off rate

2.8%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
Live Oak Banking Company	16	$20.7M
IncredibleBank	6	$10.7M
The Huntington National Bank	23	$4.5M
Wells Fargo Bank	10	$4.0M
U.S. Bank	4	$3.8M
Firstrust Savings Bank	1	$3.7M
Simmons Bank	2	$3.2M
First National Bank of Pennsylvania	5	$2.9M
First United Bank and Trust Company	2	$2.5M
Southeastern Minnesota 504 Development Corporation	2	$2.5M

Geography

Where these loans were made

State	Loans	Share
California	33
Texas	27
Michigan	17
Florida	16
Missouri	14
Illinois	13
Georgia	12
Arizona	9

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
11%
$50K - $150K
24%
$150K - $350K
23%
$350K - $1M
29%
$1M - $2M
10%
Over $2M
3%

Nearby

Other other services industries

See the sector

General Automotive Repair16,083 · $190,000 Beauty Salons14,068 · $85,000 Other Personal Care Services7,830 · $175,000 All Other Personal Services7,488 · $144,000 Pet Care (except Veterinary) Services6,530 · $195,850 Car Washes5,876 · $773,000 Automotive Body, Paint, and Interior Repair and Maintenance5,872 · $240,000 Drycleaning and Laundry Services3,976 · $200,000

Common questions

How much do SBA lenders typically lend to a cemeteries and crematories business?: The median SBA approval in NAICS 812220 is $234,000, with the middle 80% of loans between $42,500 and $1,110,500. Across all industries the median is $180,000.
Which lenders are most active in cemeteries and crematories?: By dollars approved: Live Oak Banking Company, IncredibleBank, The Huntington National Bank, Wells Fargo Bank, U.S. Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is cemeteries and crematories considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.8% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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