GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
19,611
2010–2026
Total Volume
$5.2B
Gross loan amounts
States Active
49
With recorded loans
Programs
7(a) & 504
19609 total segments
PNC Bank primarily serves existing businesses, with 68% of their deals focused on this segment. This is a strong indicator that they are a good fit for established companies looking for financing.
With an average 7(a) spread of P+2.29%, PNC Bank offers competitive pricing compared to the national median of P+2.75%. This can save you money over the life of your loan.
PNC Bank has seen a significant decline in their SBA lending activity, down 43% year-over-year. This trend may make it more challenging to secure a loan, as they could be tightening their lending criteria.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 940 504 loans, which use fixed SBA debenture rates.
Top 15 of 49 states where PNC Bank, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for PNC Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 598 | P+5.08% | $29K | Q1 2024 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 508 | P+5.00% | $35K | Q2 2025 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 472 | P+4.85% | $34K | Q1 2025 |
| Texas · Building Construction · Under $150K | 7(a) | 382 | P+4.97% | $33K | Q4 2024 |
| Texas · Manufacturing · Under $150K | 7(a) | 347 | P+4.92% | $40K | Q4 2025 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 305 | P+5.06% | $38K | Q1 2025 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 276 | P+5.07% | $29K | Q1 2025 |
| Texas · Physician & Dental Offices · Under $150K | 7(a) | 261 | P+4.50% | $63K | Q4 2022 |
| Texas · Auto Repair & Maintenance · Under $150K | 7(a) | 253 | P+4.95% | $30K | Q4 2024 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 242 | P+5.08% | $44K | Q4 2024 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 237 | P+5.07% | $34K | Q4 2024 |
| Texas · Retail Trade · Under $150K | 7(a) | 217 | P+4.94% | $37K | Q2 2021 |
| Texas · Real Estate · Under $150K | 7(a) | 188 | P+4.97% | $30K | Q3 2025 |
| Texas · Auto Dealers & Parts · Under $150K | 7(a) | 171 | P+5.28% | $27K | Q3 2024 |
| Texas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 161 | P+4.95% | $28K | Q2 2024 |
| Texas · Other Repair & Services · Under $150K | 7(a) | 143 | P+4.97% | $33K | Q2 2024 |
| Texas · General Merchandise · Under $150K | 7(a) | 133 | P+5.20% | $27K | Q1 2021 |
| Texas · Legal Services · Under $150K | 7(a) | 130 | P+5.26% | $39K | Q3 2021 |
| Florida · Specialty Trade Contractors · Under $150K | 7(a) | 122 | P+4.50% | $46K | Q2 2025 |
| Texas · Mining & Oil/Gas · Under $150K | 7(a) | 119 | P+4.95% | $29K | Q3 2019 |
| Texas · Food & Beverage Stores · Under $150K | 7(a) | 106 | P+4.88% | $34K | Q4 2022 |
| Arizona · Specialty Trade Contractors · Under $150K | 7(a) | 104 | P+4.62% | $50K | Q2 2025 |
| Texas · Engineering & Architecture · Under $150K | 7(a) | 103 | P+5.14% | $38K | Q1 2023 |
| Texas · Finance & Insurance · Under $150K | 7(a) | 101 | P+5.24% | $33K | Q3 2021 |
| Texas · Physician & Dental Offices · $150K – $350K | 7(a) | 96 | P+2.73% | $262K | Q3 2025 |
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Real experiences from borrowers who closed SBA loans with PNC Bank, National Association.
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