Small Business
Small Business
SBA Express Loans and Lines of Credit
Small Business Administration Express loans are only available through approved SBA Express lenders like PNC. With an SBA Express loan1, your business can get faster turnaround on loan decisions and streamlined processing because PNC can approve these loans using a simplified SBA Express application. Designed to handle smaller SBA loan needs, SBA Express Loans can be issued as either a line of credit or a term loan.

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 SBA loans could work for your business.
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Loan At A Glance
Loan Amount Up to $350,000
Loan Type Term Loan or Line of Credit
Use of Proceeds
  • Expansion, Business
    Acquisition
  • Commercial Real Estate
  • Franchise Financing
  • Equipment, Machinery,
    Furniture
  • Working Capital
  • Inventory
Maximum Loan Terms
  • Working Capital -- Up to 7 years
  • Fixed Assets -- Up to 10 years
  • Commercial Real Estate
    and Acquisition
    -- Up to 20 years
  • Lines of Credit -- Up to 7 years
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 a 50% guarantee to PNC Bank on loan amounts up to $350,000
Collateral Required Business assets or real estate, depending on loan purpose

Benefits
  • Easier application processing -- less paperwork and shortens time before funds available
  • 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.

Equal Housing Lender