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The following article was published in our article directory on January 3, 2010.
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Funeral Home Commercial Financing

Article Category: Finances

Author Name: Stephen Bush

Usually ranked among the most difficult business finance situations for borrowers are businesses requiring specialized commercial real estate. Difficult challenges for acquisitions and business refinancing are increasingly common for funeral home loans.

Borrowers should anticipate that the few active local and regional banks will probably offer short term commercial financing instead of a long term funeral home business loan. The percentage of value for the commercial financing is a critical finance issue that can vary significantly. Particularly with business loan terms for length of loan and percentage of value, it is critical for borrowers to avoid unrealistic commercial mortgage terms for funeral home refinancing or acquisition.

Because fewer lenders are currently offering competitive business finance terms, this is a further obstacle for an already difficult funeral home business loan environment. There are now noticeably fewer local and regional banks offering funeral home mortgages. Other specialized property financing such as golf course loans is also experiencing similar difficulties.

As noted above, funeral home mortgages involve several problems not found in most commercial loan situations. When the primary goal is commercial refinancing for funeral home financing, it is likely to be more complicated than the original business financing for purchase. For funeral home business loans, the commercial real estate loan value is often less than the business value. The potential for significantly reduced business financing will often occur because of this disparity which causes many lenders to provide a business loan that includes only the commercial mortgage loan value.

As already noted, the availability of suitable lenders for this specialized type of business loan is shrinking. A prudent choice involving the lender will be a prime factor in securing viable commercial financing for funeral home mortgages. It is important to select a lender with the ability to avoid the commercial mortgage obstacles described and successfully complete the complex business loan process.

For funeral home financing, there should be reasonable commercial financing fees during the early stages of the business loan process. There are a number of business lenders that have chosen to take advantage of the shortage of commercial loan choices for building, purchasing and refinancing a funeral home. A common tactic is to charge excessive fees of $25,000 and more even if the commercial financing is not finished.

In complex commercial loan financing, the use of a small business finance consulting expert should be conducive to a better understanding of difficulties to anticipate. Preliminary business consulting should be considered in any serious efforts to avoid serious problems and obtain better terms since funeral home business loans are among the most complicated business financing situations.

Keywords: funeral home financing,funeral home loans,funeral home mortgages,business,finance,working capital

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