PNC Business Banking

PNC Business Banking is the small business and commercial lending division of PNC Bank, N.A., one of the largest US banks and a subsidiary of PNC Financial Services Group. PNC has a significant branch and ATM network, primarily in the Mid-Atlantic, Southeast, Midwest and Texas.

PNC Business Banking offers a broad range of products for small business owners including business checking and savings accounts, business credit cards, term loans, lines of credit, commercial real estate loans and SBA loans. PNC is an active SBA lender and participates in SBA 7(a) and SBA 504 loan programs.

SBA loans are government-backed business loans offered through approved banks like PNC. The government guarantee allows the bank to offer longer repayment terms and, in many cases, more accessible lending terms than a conventional bank loan. SBA applications require more documentation and typically take longer to process.

PNC also offers conventional business term loans, revolving credit lines and equipment financing for businesses that do not need the SBA route. PNC's Cash Flow Insight tool, built into its business banking platform, is designed to help small business owners monitor their financial position.

PNC is a well-established bank with a strong footprint in the mid-Atlantic region, including Pennsylvania, Maryland, Virginia and Ohio, as well as growing presence in the South and Southwest. Business owners located in PNC's footprint states may find it most practical as a primary business bank.

If you are considering PNC for business financing, compare its loan products against those offered by other large banks, community banks, credit unions and SBA-preferred lenders in your area before making a decision.