PNC Bank, National Association

Wilmington, DE7(a) lenderTop sector: Limited-Service Restaurants

Is this my lender?

Loans approved

53,667

FY1991–FY2026

Dollars approved

$9.9B

$785.5M since FY2021

Average loan

$185K

$341K recently

Charge-off rate

7.2%

by dollars · 16.1% by count

Approvals over time

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What they lend against

Limited-Service Restaurants1,794 Full-Service Restaurants1,533 Offices of Dentists1,383 Beauty Salons875 Offices of Physicians (except Mental Health Specialists)859 General Freight Trucking, Local801

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

Texas11,696 · 22%Pennsylvania8,589 · 16%Ohio5,128 · 10%New Jersey3,730 · 7%Michigan3,377 · 6%Illinois2,542 · 5%Indiana2,361 · 4%Florida2,356 · 4%

Share is of this lender’s entire book, so the 8 states shown need not sum to 100%. Together they account for 74% of its lending.

At a glance

Rank by recent volume#48 of 2321

First approvalFY1991

Latest approvalFY2026

States lent into8+

What they charge

Typical pricingPrime + 3.50

Median rate 11.50%Fixed 31%844 loans

Median initial rate on this lender's 7(a) loans approved FY2024 onward, against a market median of Prime + 2.75. That is dearer than the market typically prices. It is the rate at approval, not an offer, and says nothing about fees.

Program mix

7(a) · 100% (53,667)504 · 0% (0)

Split by loan count.

7(a) $9.9B504 $0

Loss rate in context

This lender7.2%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 16.1%; the two measures diverge when a book is weighted toward small loans.

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