Best SBA 7(a) lenders for cemeteries and crematories
The top SBA 7(a) lenders for cemeteries and crematories (NAICS 812220) are The Huntington National Bank, Live Oak Banking Company, IncredibleBank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 104 loans totaling $59.2M to businesses in this industry. Average loan size: $569K. Average rate: 7.89%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
104
Total $
$59.2M
Avg loan
$569K
Avg rate
7.89%
Avg term
175 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 16 | $2.5M | $156K | 9.18% | 0.00% |
| 2 | Live Oak Banking Company | 9 | $8.1M | $899K | 8.59% | 0.00% |
| 3 | IncredibleBank | 6 | $10.7M | $1.8M | 6.25% | 0.00% |
| 4 | BancFirst | 3 | $2.0M | $681K | 6.17% | 0.00% |
| 5 | KeyBank National Association | 3 | $433K | $144K | 11.81% | — |
| 6 | Synovus Bank | 3 | $1.7M | $570K | 8.33% | 0.00% |
| 7 | The Bancorp Bank National Association | 3 | $1.1M | $382K | 6.08% | 0.00% |
| 8 | First Interstate Bank | 2 | $710K | $355K | 7.60% | 0.00% |
| 9 | First Command Bank | 2 | $1.1M | $568K | 9.13% | — |
| 10 | 1st Source Bank | 2 | $281K | $141K | 10.75% | — |
| 11 | CDC Small Business Finance Corp. | 2 | $250K | $125K | 6.50% | 0.00% |
| 12 | First United Bank and Trust Company | 2 | $2.5M | $1.3M | 9.75% | — |
| 13 | Hanscom FCU | 2 | $275K | $138K | 8.75% | 0.00% |
| 14 | JPMorgan Chase Bank, National Association | 2 | $534K | $267K | 5.81% | 0.00% |
| 15 | Frost Bank | 2 | $249K | $124K | 5.38% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812220. Charge-off rates are calculated on the FY2020–FY2023 cohort only.