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Small Business Commercial Real Estate Loan

A PNC Commercial Real Estate Loan may help you purchase or refinance your owner-occupied commercial property.[1]  

What Will I need to apply?
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Let's talk about your business needs
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Features and Benefits

  • Covers your borrowing needs – wide range of available mortgage amounts and maturity terms
  • 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

Loan at a Glance

Loan amount[1]

 $100,001–$3 million
Interest Rates Choice of Fixed Rate or a Variable Rate based on Prime Rate[2]
Loan terms

Up to fifteen years, with up to a 25 year amortization
Collateral required

Equity in owner-occupied commercial real estate
Payments Monthly principal and interest payments automatically deducted from your business checking account
How to Apply

Ways to Apply

 

What You Need to Apply

Before you start there are a few things you will need to know or have available to successfully complete the application.

  • Have available any special loan promotion offer code, if applicable.
  • Know the dollar amount, type of loan you are applying for, borrowing purpose and collateral information, if applicable.  
  • Information about your business, such as:
    -- Business Name and Address
    -- Type of business organization and year established
    -- Business Tax ID number, Annual Sales, Number of Employees
  • Information about each Business Owner, such as:
    -- Name, Home Address, Social Security Number, Title, Ownership Percentage, Personal Financial information, Historical Information
    -- Government issued photo ID (Driver's License, US Passport, or a state-issued ID) may be requested for verification purposes
  • You may want to have copies of your most recent business and personal tax returns and/or financial statements to assist with completion of the  application.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and Money Laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.  What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Assess Your Creditworthiness

Review our Business Lending Guidelines to help you better assess your creditworthiness when applying for new or additional revolving or fixed-term financing. These guidelines are not the only criteria for a final credit decision, but they will empower you to better understand your financial position in the context of PNC’s business lending practices.  Read Guidelines »

Associated Products & Services

Business Term Loans

Term Loans provide a specific amount of credit to purchase assets or meet specific financing need and is paid back over a fixed schedule of monthly principal and interest payments.

Learn More »

Flexible Financing Solutions through SBA Loans

Small Business Administration (SBA) financing is designed to provide small businesses with access to credit featuring structures and terms that may be more flexible than conventional lending options.

Learn More »

Secured Small Business Line of Credit

Secured lines of credit are a great option if you need short-term working capital to cover business needs such as gaps in accounts receivable collections or inventory purchases.

Learn More »

Important Legal Disclosures and Information

  1. All loans and lines of credit subject to credit approval and require automatic payment deduction from a business checking account. Additional fees may apply.

  2. Prime Rate means the highest prime rate published in the "Money Rates" section of the Wall Street Journal for the last day of the preceding calendar month.

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.

† Important information: Calls to or from us may be monitored or recorded by us for quality control and training purposes. By providing your phone number and/or email address, you consent and agree to receive phone calls and electronic mail from PNC, its affiliates and designees.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.