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

Key Features of SBA Loans
Flexible Terms

SBA typically offers more flexible loan structures and terms.

Lower Down Payment Requirements

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

Early Payoffs Available for SBA 7(a) Loans

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:

  • Competitive fixed rate for the life of the loan
  • 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

Important Legal Disclosures and Information

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

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