Small Business Commercial Real Estate Loan

Features & Benefits

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

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 PNC business checking account

Convenient Terms

Select a fixed or variable rate with a term between 5 and 20 years, with up to a 25 year amortization

Loan at a Glance

Loan Amount[1] $100,001 and up
Interest Rates Choice of Fixed Rate or a Variable Rate based on Prime Rate[2]
Loan Terms Up to 20 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 PNC business checking account

What You Need to Apply

We'll help simplify your business lending experience. Your PNC Business Banker will walk you through the lending process and help.

Before You Start

There are a few things you will need to know or have available to successfully complete your 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.

How to Apply

Enjoy the convenience of applying over the phone or at any PNC Bank branch -- choose the way you prefer.

After You Apply, You Can Expect:

  • A clear explanation of our decision, as well as solutions identified for your consideration for addressing current and future borrowing needs.
  • All PNC employees involved with your loan request take personal responsibility for providing the highest level of customer service.

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.

Review Our Business Lending Guidelines

Use 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. 

Contact Us

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Let's Talk

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Complete the contact form below and a PNC Business Banking representative will contact you within 1 to 2 business days.