What is the SBA loan default rate for Cemeteries and Crematories?

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. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 183 lenders actively fund this industry.

Which SBA program is best for Cemeteries and Crematories?

The SBA 7(a) program is the most commonly used for Cemeteries and Crematories businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 812220Other ServicesLending Growing

How Much Can Cemeteries and Crematories Businesses Get in SBA Loans?

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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.

Low default risk5.4% vs 15.4% all industry avg

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. The capital source prices this risk into rate and structure.

Quick Answer

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).

425

Total SBA Loans

$165.2M

Total Volume

$389K

Avg Loan Size

14% above avg

183

Active Lenders

161 mo

Avg Term

24% above avg

2,120

Jobs Supported

Is SBA Lending Growing for Cemeteries and Crematories?+25% growth

$3.8M

$5.6M

$13.0M

$6.1M

$13.4M

$15.6M

$11.4M

$4.9M

$9.5M

$11.5M

Which SBA Program Do Cemeteries and Crematories Businesses Use Most?

SBA 7(a)378 (89%)

SBA 50447 (11%)

What Is the Best SBA Loan for Cemeteries and Crematories?

SBA 7(a)

The most widely used SBA program for cemeteries and crematories businesses: flexible terms, multiple use cases

Industry avg loan: $389K

Typical term: 161 months

Historical avg rate: 6.87%

183+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 5.4%

Where Are Cemeteries and Crematories SBA Loans Most Common?

46 loans

$22.7M

43 loans

$22.2M

27 loans

$4.0M

22 loans

$16.1M

20 loans

$10.4M

SBA Lending Activity in Cemeteries and Crematories

183 SBA lenders have funded 425 loans to cemeteries and crematories businesses (NAICS 812220). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

425

Active lenders

183

Total volume

$165.2M

Avg loan size

$389K

Browse all SBA lenders

Cemeteries and Crematories Industry Context

U.S. Establishments

5,117

U.S. Census Bureau · 2022

SBA Penetration

8.31%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for cemeteries and crematories businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Cemeteries and Crematories business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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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.

Talk to PeerSense about a cemeteries and crematories file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Cemeteries and Crematories SBA Loans

What is the average SBA loan size for cemeteries and crematories businesses?

Based on 425 approved SBA loans, the average loan size for cemeteries and crematories (NAICS 812220) is $389K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a cemeteries and crematories business?

SBA 7(a) is the most commonly used SBA program for cemeteries and crematories businesses. The most widely used SBA program for cemeteries and crematories businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for cemeteries and crematories?

183 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a cemeteries and crematories file.

What states have the most SBA lending for cemeteries and crematories?

TX leads with 46 SBA loans and $22.7M in total volume for cemeteries and crematories businesses. CA, MI, FL also show strong lending activity in this sector.

How does PeerSense help cemeteries and crematories businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a cemeteries and crematories file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

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Data aggregated from SBA loan records (1992 to 2025). Cemeteries and Crematories defined by NAICS code 812220. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.