Secured Small
Business Loan

Use Business Assets to Secure Capital for your Small Business

Features & Benefits

Lower Interest Rates

Use business assets to secure lower loan rates and longer terms than unsecured loans

Cover Your Borrowing Needs

Wide range of available loan amounts 

Simplified Payments

Monthly payments automatically deducted from your PNC business checking account

Convenient Terms

Select a fixed or variable rate with a term between 2 and 7 years

Loan at a Glance

Loan Amount[1] $100,001 and up
Interest Rates Fixed Rate or Variable Rate based on WSJ Prime[2]
Loan Terms Up to seven years
Payments Monthly principal and interest payments automatically deducted from your PNC business checking account
Collateral required Variety of machinery, equipment or other non-real estate business assets

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

Call Us

Mon - Fri: 8:30 a.m. - 8:00 p.m. ET 

Visit Us

Find a PNC location near
you and stop by to see us.

Let's Talk

Share your information and we'll reach out to you.

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