How Much Can Cemeteries and Crematories Businesses Get in SBA Loans?
425 SBA loans totaling $165.2M have been approved for cemeteries and crematories businesses (NAICS 812220). The average approved SBA loan is $389K, which is 14% above avg the $340K national average. 183 active lenders fund this industry with a 5.4% default rate on the matured 2018-2021 loan cohort.
At 5.4%, Cemeteries and Crematories sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 812220 (Cemeteries and Crematories) received 425 SBA loans worth $165.2M across 5+ states. Average loan $389K, average term 161 months, 5.4% default rate (resolved-loan basis).183 active SBA-approved lenders fund this industry. Most cemeteries and crematories loans use the SBA 7(a) program. There are approximately 5,117 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Cemeteries and Crematories?+25% growth
Which SBA Program Do Cemeteries and Crematories Businesses Use Most?
What Is the Best SBA Loan for Cemeteries and Crematories?
The most widely used SBA program for cemeteries and crematories businesses — flexible terms, multiple use cases
Where Are Cemeteries and Crematories SBA Loans Most Common?
Top SBA Lenders for Cemeteries and Crematories
These banks have funded the most SBA loans for cemeteries and crematories businesses (NAICS 812220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 32 | $9.4M |
| 2 | The Huntington National Bank(OH) | 27 | $4.1M |
| 3 | Live Oak Banking Company(NC) | 16 | $20.7M |
| 4 | Wells Fargo Bank National Association(SD) | 16 | $6.8M |
| 5 | Bank of Hope(CA) | 11 | $120K |
Cemeteries and Crematories Industry Context
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How Does SBA Lending Work for Cemeteries and Crematories Businesses?
Across all SBA loan programs, 425 loans have been approved for businesses classified under NAICS 812220 (Cemeteries and Crematories), representing $165.2M in total capital deployed. The average approved loan of $389K is 14% above avg the national SBA average of $340K, with typical repayment terms of 161 months.
SBA lending for cemeteries and crematories is accelerating — loan volume has grown approximately 25% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2021.
The industry sees a balanced mix of SBA programs, with 11% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching cemeteries and crematories business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Cemeteries and Crematories SBA Loans
What is the average SBA loan size for cemeteries and crematories businesses?
Which SBA loan program is best for a cemeteries and crematories business?
How many lenders fund SBA loans for cemeteries and crematories?
What states have the most SBA lending for cemeteries and crematories?
How does PeerSense help cemeteries and crematories businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Cemeteries and Crematories defined by NAICS code 812220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.