Funding with a low maximum APR for large projects.’s rating: 2.76 / 5.0


  • Best for businesses that need funding over $20,000.
  • Pick something else if you have an emergency expense.


Min. Amount


Max. Amount


Product Name PNC Bank business loans
Min. Amount $20,000
Max. Amount $100,000
Loan Term Up to 5 years
APR 8.18% to 15.57% (As low as)
Requirements Business is 3+ years old, meet revenue standards, no bankruptcy claims, no outstanding financial obligations

How much will this loan cost me?

PNC Bank unsecured business loans come with rates from 8.18% to 15.57% APR — including an origination fee. You can borrow between $20,000 and $100,000 without collateral and repay it over terms of two to five years.

Use the calculator below to see how much a loan might cost your business at different rates, terms and loan amounts.

Business loan calculator

See how much you’ll pay

Your loan
Loan amount
Loan terms (in years)
Interest rate

Fill out the form and click on “Calculate” to see your estimated monthly payment.


Compare business loans now

How it works

Factors like your business’s revenue, time in business and your personal finances can affect the business loan you get. If you just meet PNC’s time in business requirement, for example, you’ll likely get a rate on the higher end. And you’ll need to show that your business has the cash flow to handle repayments on the loan amount and term you’re applying for.

What do I need to qualify?

PNC Bank doesn’t have any hard requirements, but it prefers working with businesses that meet the following criteria.

  • At least three years in business
  • Personal debt-to-income ratio of 40% or lower
  • Personal credit history of at least five years
  • No recent payments over 30 days past due on personal credit report
  • No business bankruptcies, judgements, tax liens or lawsuits
  • No personal records of bankruptcy, collection accounts, foreclosures or tax liens

Having a large amount of unpaid business debt can also affect your ability to qualify for a loan.

What information do I need to apply?

Have the following information ready before you apply for an unsecured business loan with PNC Bank.

  • Business legal name and contact information
  • Business legal type and establishment date
  • How long it’s been under current ownership
  • NAICS industry code
  • Business tax ID or Social Security number
  • Annual sales or gross revenue
  • Number of employees

You’ll also need to provide personal information and IDs for all owners with a stake in the company of 25% or more.

What industries does PNC Bank work with?

PNC Bank doesn’t specifically exclude any industries from its loan amount. But if your business is in an industry that doesn’t have steady revenue throughout the year, you’ll need to meet a higher standard for revenue requirements than other industries. These requirements vary depending on the business.

What other types of financing does PNC Bank offer?

In addition to unsecured term loans, you can also find the following products at PNC Bank:

Type of loan How it works Loan amount Loan terms
Secured term loan
One-time financing secured by your business’s assets for large expenses
$100,001 to $3 million
Up to 7 years
Unsecured line of credit
A business that has equity in its residential or owner-occupied commercial real estate that needs financing to expand the business or explore new opportunities
$20,000 to $100,000
Secured line of credit
Access to cash as your business needs it, secured by your business’s assets.
$100,001 to $3 million
SBA loans
Government-backed financing through the SBA 7(a), Express, Export Express, Veterans Advantage and 504 programs
Up to $5 million, depending on the program
Up to 25 years, depending on the program
Commercial real estate loan
A business that wants to buy or refinance owner-occupied commercial property
$100,001 to $3 million
Up to 10 years, with up to a 20-year amortization
Business vehicle loan
Up to 100% financing for new and 90% financing for used vehicles for business use
$10,000 to $250,000
Up to 6 years

Pros and cons

PNC Bank might offer a great deal to some businesses, but it’s not right for all expenses.


  • Rates no higher than 15.57% APR
  • Secured and unsecured financing
  • Wide range of financing available besides unsecured term loans


  • Requires at least three years in business
  • Limited information available online
  • No online application if you’re new to PNC

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