PNC Bank, National Association
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by PNC Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 1,312 | $452.1M | $345K | 5.1% |
| 236118 | Residential Remodelers | 1,120 | $91.4M | $82K | 4.4% |
| 722513 | Limited-Service Restaurants | 760 | $358.2M | $471K | 3.0% |
| 812112 | Beauty Salons | 632 | $95.3M | $151K | 2.5% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 576 | $115.5M | $201K | 2.3% |
| 238990 | All Other Specialty Trade Contractors | 520 | $102.7M | $198K | 2.0% |
| 238210 | Electrical Contractors | 512 | $60.8M | $119K | 2.0% |
| 484110 | General Freight Trucking, Local | 504 | $70.0M | $139K | 2.0% |
| 621210 | Offices of Dentists | 472 | $444.0M | $941K | 1.8% |
| 811111 | General Automotive Repair | 464 | $160.0M | $345K | 1.8% |
Geographic Distribution
SBA lending activity for PNC Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 4,448 | $2.07B | 17.4% |
| Pennsylvania (PA) | 2,800 | $762.6M | 11.0% |
| Florida (FL) | 2,056 | $728.0M | 8.1% |
| California (CA) | 960 | $562.1M | 3.8% |
| New Jersey (NJ) | 2,584 | $558.2M | 10.1% |
| Ohio (OH) | 2,056 | $501.8M | 8.1% |
| Illinois (IL) | 1,464 | $439.9M | 5.7% |
| Colorado (CO) | 504 | $408.7M | 2.0% |
| Arizona (AZ) | 848 | $343.7M | 3.3% |
| North Carolina (NC) | 1,008 | $305.9M | 3.9% |
| Michigan (MI) | 1,168 | $290.5M | 4.6% |
| Virginia (VA) | 568 | $219.5M | 2.2% |
| Maryland (MD) | 1,032 | $152.9M | 4.0% |
| Georgia (GA) | 480 | $146.1M | 1.9% |
| Alabama (AL) | 656 | $128.8M | 2.6% |
| Indiana (IN) | 688 | $124.6M | 2.7% |
| Kentucky (KY) | 536 | $91.1M | 2.1% |
| Wisconsin (WI) | 192 | $75.7M | 0.8% |
| New Mexico (NM) | 160 | $64.5M | 0.6% |
| Delaware (DE) | 336 | $50.2M | 1.3% |
| South Carolina (SC) | 120 | $47.0M | 0.5% |
| Missouri (MO) | 192 | $44.9M | 0.8% |
| Nebraska (NE) | 8 | $33.1M | 0.0% |
| Idaho (ID) | 8 | $24.0M | 0.0% |
| District of Columbia (DC) | 144 | $21.2M | 0.6% |
| New York (NY) | 272 | $19.8M | 1.1% |
| Utah (UT) | 8 | $18.8M | 0.0% |
| Nevada (NV) | 16 | $17.2M | 0.1% |
| West Virginia (WV) | 56 | $16.4M | 0.2% |
| Kansas (KS) | 40 | $15.6M | 0.2% |
| South Dakota (SD) | 8 | $14.8M | 0.0% |
| Oregon (OR) | 8 | $11.4M | 0.0% |
| Arkansas (AR) | 8 | $11.2M | 0.0% |
| Massachusetts (MA) | 16 | $6.6M | 0.1% |
| Oklahoma (OK) | 8 | $6.6M | 0.0% |
| Washington (WA) | 8 | $6.6M | 0.0% |
| Mississippi (MS) | 16 | $4.4M | 0.1% |
| Tennessee (TN) | 40 | $3.4M | 0.2% |
| Connecticut (CT) | 16 | $3.0M | 0.1% |
Why Choose PNC Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 25,536 SBA loans approved, totaling $8.35B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Residential Remodelers, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 9.03% with flexible term lengths averaging 142 months
- ✓Loan Range: Loan sizes from $10K to $5.0M, with an average of $327K
- ✓Nationwide Reach: Active lending in 39 states, with strong presence in TX, PA, NJ
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about PNC Bank, National Association SBA lending
What types of businesses does PNC Bank, National Association typically finance?
PNC Bank, National Association specializes in SBA 7(a) lending to specific industries including full-service restaurants, residential remodelers, limited-service restaurants, beauty salons. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are PNC Bank, National Association's typical SBA loan terms?
PNC Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 9.03% and average term length of 142 months (approximately 12 years). Loan sizes range from $10K to $5.0M, with an average loan size of $327K.
Do I need a business valuation for a PNC Bank, National Association SBA loan?
Yes, PNC Bank, National Association typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does PNC Bank, National Association compare to other SBA lenders?
PNC Bank, National Association has originated 25,536 SBA loans totaling $8.35B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does PNC Bank, National Association lend in?
PNC Bank, National Association provides SBA 7(a) financing with particularly strong presence in TX, PA, NJ, FL, OH. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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