Small Business
Small Business
SBA 504 Term Loans
When you're looking to finance bigger projects, the Small Business Administration 504 loan could be the right choice. This program offers long-term fixed or variable rates for purchasing major fixed assets such as land, buildings, major equipment or renovations with higher loan amounts than other SBA loans.1
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Loan At A Glance
Loan Amount Up to $3 million for regular loans.
Businesses with sales up to $10MM and that meet all other business banking criteria may be eligible for loans up to $5MM.
Loan Type Term Loan
Use of Proceeds
  • Owner/user Commercial Real Estate -- land or building
  • Major Renovation or New Construction 
  • Major Equipment purchases
Maximum Loan Terms
  • Up to 20 years for Commercial Real Estate
  • Up to 10 years all other loans
Interest Rates Variable or fixed interest rate loans available
Borrower Equity Requirement Up to 90% Loan-to-Value financing available 
SBA Guarantee Program No SBA Guarantee on 504 loans. SBA enhancement takes the form of secondary financing, at below-market interest rates, behind PNC Bank's first-position collateral.
Collateral Required Business assets or real estate, depending on loan purpose

Call Us Today.
See for yourself why PNC Bank is an SBA Preferred Lender, and national leader in SBA financing. Contact a PNC Business Banker or call us at 800-762-5684 between the hours of 7:00 a.m. to 10:00 p.m., ET, Monday through Friday and 8:00 a.m. to 5:00 p.m., ET, Saturday and Sunday, to discover how this product could work for your business.



  • Larger Dollar Limits -- big enough for major business expansion projects most borrowing purposes qualify
  • Higher Loan-to-Value financing on the total project -- higher loan amount with less business equity required
1.  All loans and lines of credit subject to credit approval and may require automatic payment deduction from a PNC Bank business checking account. Origination and annual fees may apply.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Equal Housing Lender