Small Business
Small Business
SBA 7(a) Term Loan
The Small Business Administration 7(a) loan program is the most frequently used government-enhanced small business loan program. 7(a) loans provide long-term financing for a variety of business borrowing needs for growing, and well-established businesses.

PNC Bank is a leading SBA lender in many of the areas we serve. When you apply for an SBA 7(a) loan through PNC Bank, our dedicated SBA professionals will work with you to identify the financing option best suited for your business1.

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Loan At A Glance
Loan Amount
  • Up to $5 million
Loan Type Term Loan
Use of Proceeds
  • Expansion, Business Acquisition
  • Owner/user occupied Commercial Real Estate
  • Equipment & Inventory
  • Working Capital
  • Franchise Financing
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 for Commercial Real Estate
  • Up to 80% Loan-to-Value financing available all other loans
SBA Guarantee Program SBA provides an 85% guarantee to PNC Bank on loan amounts of $150,000 or less and a 75% guarantee on loan amounts of $150,000 or more
Collateral Required Business assets or real estate, depending on loan purpose
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.

Benefits
  • Broad Eligibility -- most borrowing purposes qualify
  • SBA guarantee program -- allows more businesses to qualify for loans they want
  • More flexible -- Often with longer terms and lower down payments than conventional bank loans
  • No prepayment penalties -- for loan terms less than 15 years
  • Less rigid collateral requirements -- when business has strong cash flow
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