Homesteaders Life Company

Discover our Funeral Home Conventional Loan Program.

A partnership built to fund your future.

Homesteaders has partnered with The Bancorp, a trusted nationwide funeral industry lender, to create the Funeral Home Conventional Loan Program — an exclusive financing solution designed specifically for funeral professionals.

Together, we’re helping funeral home owners secure the capital they need to expand, refinance or transition their business — all through a program built by people who understand this profession.

Explore loan options

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Real financing. Real growth.

We understand the challenges of running a funeral business, but securing financing doesn't have to be one of them. With deep industry expertise and flexible loan options, we've helped businesses like yours achieve sustainable growth with confidence.

$264 Million

in total loans.

$125 Million

in goodwill financing.

$4.5 Million

average loan size.

Listen to the story from one of our owners.

When traditional options fall short, the right partner can make all the difference.

Brian Joseph's story highlights how creative thinking, persistence and a deep understanding of the funeral profession can help independent funeral homes overcome challenges and stay rooted in the communities they serve. It’s a real example of how tailored financial support protected the legacy of Verheyden Funeral Homes in Detroit, honoring their legacy and creating a path forward when it mattered most.

Our loan options.

Whatever dreams you have for your funeral home business, big or small – we have you covered. Homesteaders’ Funeral Home Conventional Loan Program is the leading option for funeral providers who need a knowledgeable partner to finance their business goals.

SBA 7(a) Loans:

Amount: $200,000 – $5 million
Uses: General purpose loan for real estate, equipment, debt, refinance, business acquisition or expansion and working capital
Terms: 25 years for real estate, 10 years for other uses
Financing:
Interest rates: Variable likely
Goodwill Loan: No
Funeral Professional Experts: No

Homesteaders Conventional Loans:

Amount: $5 million – $20 million
Uses: Purchases, debt refinance, partner buyouts and recapitalization
Terms: 25 years for real estate, 10 years for business acquisition/goodwill/crematory equipment
Financing: Up to 100%
Interest Rates: Fixed
Goodwill Loan: Yes
Funeral Professional Experts: Yes

Get started today.

Exclusive Loan Benefits for Funeral Professionals

Our Funeral Home Conventional Loan Program is built specifically for funeral professionals who need flexible, high-value financing. Whether you’re expanding, acquiring, refinancing or planning succession, our tailored solutions make growth attainable.

Flexible Options

Whether expanding, acquiring, planning succession or refinancing, we have you covered.

Competitive Financing

Enjoy fixed rates and finance up to 100%.

Tailored for Growth

From $5 to $20 million, our program supports diverse business goals.

Hear from real funeral professionals.

These testimonials reflect the relief, the gratitude and the confidence that comes from having a partner who understands and values the funeral profession.

Homesteaders’ lending program has been a game changer for us. Traditional bank and SBA options simply couldn’t support the scale of our growth, especially when it came to financing goodwill. Homesteaders understands the real value of a funeral home, and that expertise allowed us to move quickly on opportunities we would have otherwise had to pass on.

David Hernandez Jersey Memorial | Old Bridge, NJ

After eight banks turned me down, I found the Homesteaders and Bancorp funeral home lending program. Teresa’s creativity saved my business and kept our century-old funeral home in the community, independently owned and operated. There’s nothing else like it.

Brian Joseph Chas Verheyden Funeral Home & Cremation Service | Detroit, MI