Small Business Administration (SBA) Loans

An SBA loan may be the right choice for your business if you are about to expand, acquire or start a business or purchase a franchise; acquire or renovate owner/user commercial real estate; or finance equipment, inventory or working capital.  

Let's talk about your business lending needs

 Special Lending Offer for Qualified Veteran-Owned Businesses[1]

0.50% off the current interest rate

on all new PNC business loans and lines of credit[1]

Loan amounts from $20,000 up to $3,000,000[2]

($350,000 maximum for SBA Express Loans or Lines of Credit; and $500,000 for SBA Export Express Loans or Lines of Credit)

Apply online or in a PNC branch.
When you talk with a business banker about your loan, identify yourself as a veteran, and ask for promo code 117.

Special Lending Rate for Veterans Only

Key Features of SBA Loans
Easier Loan Qualifications

Qualifying for an SBA loan is generally easier than for other types of loans.

Lower Down Payment Requirements

Down payment requirement is typically lower than for a conventional loan.

Early Payoffs Welcome

No prepayment fees for terms less than 15 years.

Work with a Lending Leader

PNC has a long history of helping business customers match their financing needs with the appropriate SBA lending program.  Start a conversation with a PNC Business Banker about an SBA loan that makes sense for your current and future business objectives.

Flexible Financing Solutions

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.

SBA use of proceeds:

  • Business acquisition, expansion or start-ups
  • Commercial real estate purchase, expansion, renovations or leasehold improvements
  • Equipment and inventory purchases
  • Franchise financing
  • Working capital and refinancing existing debt (restrictions apply)
  • Exporting


SBA financing features:

  • Longer repayment terms which means lower monthly payments
  • Down payments as low as 10%
  • No prepayment fee on terms less than 15 years (excluding SBA 504)
  • No balloon payments on SBA 7(a) loans

SBA Loan Programs

Contact Us

Discover how our SBA Finance Group could work with your business.

Call Us at 1-855-762-2365

Monday through Friday
8:00 a.m. to 6:00 p.m. ET

Important Legal Disclosures and Information

  1. All loans and lines of credit are subject to credit approval. Requires automatic deduction from a PNC business checking account. Offers may be extended, modified or discontinued at any time without notice.

    Available for: Commercial Real Estate Purchase or Renovations; Leasehold Improvements; Business Expansion, Acquisition, Start-up, Partner-Buyout; Franchise Financing; Equipment or Inventory; Working Capital

    To qualify for this offer, the business applicant must be at least 51% owned and controlled by an individual or individuals in one of the following groups: Veterans (other than dishonorably discharged); Service-Disabled Veterans; Active-duty military participating in the Transition Assistance Program (TAP); Reservists and National Guard members; Current spouse of any Veteran; Active Duty service member, or any Reservist or National Guard member; Widowed spouses of service members or veterans who died during service or as a result of service-related disabilities; all as evidenced by documentation acceptable to PNC Bank, National Association, in its discretion. Promo Code 117

    A preferred interest rate that is 0.50% lower than our standard interest rates available on business term loans and lines of credit. Your actual rate will be based on a review of your credit application, the loan product you select and the loan amount, and will be set at time of approval. Other fees may apply. Offer not to be combined with other offers. Offer not available to tax free or tax reduced entities. Promo Code 117

  2. $10,000 minimum loan amount in geographic locations deemed Low-to-Moderate Income.

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

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

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


PNC’s Retail Bank currently operates in all or part of the following States: Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, Washington DC, West Virginia and Wisconsin.  If your business is located outside of PNC’s servicing area, then please call us at 1-855-762-2365 for further assistance.


† 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.

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