PNC Bank, National Association
- Loans
- 21
- Approved
- $20M
- Median deal
- $450,000
- Median rate
- 7.29%
#99 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 11 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 60 |
| FY2021 | 16 |
| FY2022 | 10 |
| FY2023 | 39 |
| FY2024 | 26 |
| FY2025 | 10 |
| FY2026 (partial year, through June 30, 2026) | 11 |
How they lend
Across 21 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 172 (5.2%)Other purposes 3,142 (94.8%)
Their full 7(a) book since FY2020 is 3,314 loans. Every other figure on this page counts the 172 acquisition loans only.
Initial rate structure
Variable 9.52%Fixed 90.48%
- Middle half of rates
- 6.79% to 7.99%
- Recent median rate
- 7.23% (n = 11, Jan 1 to Jun 30, 2026)
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 0.00% of loans
- Franchise loans
- 14.29% of loans
Processing method
| Preferred Lenders Program | 100.00% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 21 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Retail Trade | 23.81% | |
| Other Services (except Public Administration) | 14.29% | |
| Accommodation and Food Services | 9.52% | |
| Educational Services | 9.52% | |
| Health Care and Social Assistance | 9.52% |
Deal size mix
Under $350K 42.86%$350K to $1M 23.81%$1M to $3.5M 33.33%$3.5M+ 0.00%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Where they lend
Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.
- Ohio5 loans
- Arizona2 loans
- Illinois2 loans
- Maryland2 loans
- Pennsylvania2 loans
Grouped by ProjectState. State names link to the state lender pages where one exists.
PNC Bank, National Association: SBA acquisition lending, answered
Does PNC Bank, National Association make SBA acquisition loans?
Yes. PNC Bank, National Association was approved for 172 SBA 7(a) change-of-ownership loans since FY2020, including 21 in FY2025 to FY2026 Q3. That ranks it #99 of 249 acquisition lenders by loan count in that window. Acquisitions are 5.2% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does PNC Bank, National Association charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 7.29%, against a national median of 9.25%. Half of them started between 6.79% and 7.99%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are PNC Bank, National Association's SBA acquisition loans?
The median deal was $450,000, against a national median of $709,300. In total it has approved $20M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
What kinds of businesses does PNC Bank, National Association finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Retail Trade and Other Services (except Public Administration). 14.29% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
Run a deal at these rates
The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.
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Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.
Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for PNC Bank, National Association. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.