SBA loans by business type
SBA Loans for Funeral Homes
SBA lenders funded 3,425 7(a) and 504 loans for funeral homes since FY2010 (0.3% of all SBA lending in the data), totaling $2.9B, an average of $851K per loan. The most active lender is Live Oak Banking Company.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Death Care Services (NAICS 8122). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Of these, 14% are 504 loans (owner-occupied real estate and long-term equipment), which is why average loan sizes here run large. Among the 7(a) loans, the charge-off rate is 1.1% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Other Services, the sector that includes funeral homes
Ranked by SBA loans funded across Other Services (NAICS 81), the full sector that contains Death Care Services (NAICS 8122). The sector is broader than funeral homes alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to funeral homes. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 7,229 | $1.6B | $216K | 3.13% |
| 2 | Wells Fargo Bank National Association | 5,610 | $1.5B | $271K | 6.43% |
| 3 | U.S. Bank, National Association | 4,348 | $953.3M | $219K | 3.33% |
| 4 | JPMorgan Chase Bank, National Association | 2,896 | $475.6M | $164K | 6.01% |
| 5 | TD Bank, National Association | 2,821 | $320.1M | $113K | 8.65% |
| 6 | Manufacturers and Traders Trust Company | 2,327 | $243.9M | $105K | 4.81% |
| 7 | Live Oak Banking Company | 1,707 | $2.1B | $1.3M | 0.41% |
| 8 | PNC Bank, National Association | 1,681 | $339.6M | $202K | 5.59% |
| 9 | Celtic Bank Corporation | 1,490 | $881.0M | $591K | 11.95% |
| 10 | Northeast Bank | 1,340 | $193.9M | $145K | 2.76% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for funeral homes SBA loans
| State | Loans | Total volume |
|---|---|---|
| Texas | 218 | $187.5M |
| Pennsylvania | 212 | $178.6M |
| Michigan | 195 | $170.2M |
| California | 198 | $168.0M |
| Illinois | 176 | $161.1M |
| New York | 213 | $154.5M |
| Ohio | 203 | $154.2M |
| New Jersey | 134 | $127.2M |
| Indiana | 124 | $113.1M |
| Georgia | 102 | $103.6M |
SBA lending for funeral homes by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for funeral homes: frequently asked questions
Can you get an SBA loan for funeral homes?
Yes. Lenders funded 3,425 SBA 7(a) and 504 loans for funeral homes in the public data (as of 2026-03-31), 0.3% of all SBA lending, totaling $2.9B.
How much is a typical SBA loan for funeral homes?
The average SBA loan for funeral homes is $851K, across 3,425 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund funeral homes?
Live Oak Banking Company, United Midwest Savings Bank National Association, The Huntington National Bank are among the most active SBA lenders for funeral homes by funded volume. A lender that regularly funds your situation is more likely to understand the deal.