Small Business Loans

Find the right loan option for your business!

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What Are Term Loans?

Term Loans provide a specific amount of credit to purchase assets or meet specific financing needs.The loan is paid based on a predetermined schedule or monthly principal and interest payments. Loans can be unsecured, or secured by collateral. Interest rates are generally fixed for the life of the loan.

Best For: Businesses that want an unsecured term loan, with a simplified application and decisioning process.
  • Loan amounts from $20,000 to $100,000
  • Streamlined application and decisioning process[1]
  • No collateral required
  • Easier payment processing – Monthly payments automatically deducted from your business checking account
  • Convenient Terms – Select a fixed rate with a term between 2 and 5 years


Best For: One-time business expenses that require longer term financing – such as equipment or machinery.

Special Offer


Apply for a Small Business Loan by 1/20/23,
and we'll waive the origination fee.*

  • Loan amounts from $100,001 to $3 million
  • Lower interest rates – Use business assets to secure lower loan rates and longer terms than unsecured loans
  • Covers your borrowing needs – Wide range of available loan amounts[1]
  • Simplified payments – Monthly payments automatically deducted from your business checking account
  • Convenient terms – Select a fixed or variable rate with a term between 2 and 7 years


Best For: Purchasing or refinancing owner-occupied commercial property.

Special Offer


Apply for a Small Business Loan by 1/20/23,
and we'll waive the origination fee.*

  • Loan amounts from $100,001 to $3 million
  • Covers your borrowing needs – wide range of available mortgage amounts and maturity terms[1]
  • Simplified payments – no checks to mail or trips to the bank - payments automatically deducted from your business checking account
  • Convenient terms – Select a fixed or variable rate with a term between 5 and 15 years, with up to a 25 year amortization


Best For: Financing new or used passenger vehicles for business-use purposes.
  • Loan amounts from $10,000 to $250,000
  • Financing for the vehicles your business uses every day[1]
  • Convenient terms – Select a fixed rate with a term between 2 and 6 years
  • Low or no downpayments – Up to 100% financing of total invoice amount


Important Legal Disclosures and Information

  1. *Offers available on new business term loans only. Offers may be extended, modified or discontinued at any time without prior notice. All loans and lines of credit are subject to credit approval. Requires automatic deduction from a business checking account. Offer not to be combined with other offers.

    Applications must be received by January 20, 2023, and loans must be closed within 90 days of approval. 100% waiver on standard PNC Origination fee on a new Small Business Commercial Real Estate Loan with owner-occupied real estate as collateral starting at $250,000, Secured Small Business Loan and Equipment Line of Credit starting at $100,001, SBA 504 or SBA 7(a) Small Business Real Estate Loan from $250,000 to $5,000,000, and SBA Express term loan up to $350,000. SBA requests require a completed and signed Form 1919 to be included with the application. Other fees and charges may apply. May be subject to property appraisal. Offer does not include a waiver on third-party costs or SBA Loan Fees. Refinances of existing PNC business loans are excluded. Small Business Construction Loans and Small Business Investment Real Estate Loans are excluded.

  2. All loans, lines of credit and PNC Bank credit cards are subject to credit approval. Requires automatic deduction from a business checking account.  Other fees and charges may apply.  May be subject to a property appraisal.

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Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association, a wholly owned subsidiary of PNC and Member FDIC.

PNC is a registered mark of The PNC Financial Services Group, Inc.

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