Vineyard Financing, LLC was founded to fill a
void left by the public funeral home companies
after their acquisition programs stopped. Funeral
home owners still want to retire and they still
want to sell their businesses. We believe we can
help. We are more aggressive lenders because of
- We believe that funeral businesses are
most effective, efficient and provide the
best service to families when they are owned
and operated locally.
- We believe that the funeral homes, when
operated correctly, provide stable cash flow
and therefore deserve greater financing than
is currently available through traditional
- We believe that there are many great funeral
directors that don't have a real understanding
of how to develop a business plan, obtain
financing, and create a budget. We can provide
all these things.
- We realize that in the death care industry,
providing superior service to families sometimes
takes precedence over financial goals. In
fact, good service and public relations are
usually the first steps toward creating a
company that can achieve its financial
Who We Are
Vineyard is financially backed by individuals
who have experience in the death care industry.
We are a financing company not a mortgage broker,
which means we hold on to the debt. We don't
sell it. We work to develop relationships with
the individuals that we finance and can continue
to provide additional financing as our clients
continue to grow.
Banks, who don't really understand the funeral
industry, typically will loan only 80% of the
hard assets of the business. In many cases,
this is far short of the value of the funeral
home business. Vineyard is capable of financing
as much as 90% - 100% of the purchase price
of the business and real estate. By using creative
financial structures, we are able to offer loan
repayment terms that allow for decreased payments
if the funeral home's revenue is occasionally
slower than normal.
We have an advisory relationship with the NewBridge
Group that assists our clients with financing ideas, budgeting, marketing
and general operational strategy.