# PNC Bank SBA loans in California **Short answer:** SBA's loan file shows PNC Bank made 114 SBA loans in California since October 2019. 58.8% went through SBA Express, against 72.6% of its loans nationally. The lender made 0.29% of California's SBA loans, against 0.89% of loans nationwide. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/california/ Data as of: 2026-06-30 This site is not PNC Bank sbaexpress.loans is not PNC Bank, and PNC Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from PNC Bank. These are the 114 SBA 7(a) loans [PNC Bank](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/) made in [California](https://www.sbaexpress.loans/california-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How PNC Bank differs in California **What this means for you.** SBA Express was a less common route here than elsewhere. ### SBA Express 58.8% of the loans in California went through SBA Express, against 72.6% of its loans nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - California: 58.8% - All its U.S. loans: 72.6% ### Share of the state's loans PNC Bank made 0.29% of the SBA loans approved in California since October 2019, against 0.89% of loans nationwide. Its share here is 33% of its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - California: 0.29% - All its U.S. loans: 0.89% We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## California next to the U.S. **California compared with all of PNC Bank's U.S. loans, October 2019 to June 2026** | Measure | California | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 0.29% | 0.89% | Clearly lower | | Median loan | $100,000 | $50,000 | No clear gap | | Middle half of loans | $25,000 to $688,250 | $25,000 to $350,000 | – | | Startups (the loan opens the business) | 12.3% | 10.1% | No clear gap | | In business 2 years or less | 11.4% | 21.6% | No clear gap | | In business more than 2 years | 68.4% | 59.6% | No clear gap | | Change of ownership | 6.1% | 5.5% | No clear gap | | SBA Express | 58.8% | 72.6% | Clearly lower | | Lines of credit | 46.5% | 57.1% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 3.9 points over Prime | 3.9 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What PNC Bank lends to in California The 3 industries below account for 18 of the 114 loans approved October 2019 to June 2026, or 15.8%. An industry is listed when it has 5 or more of them, five at most. **Top industries in California** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 6 | 5.3% | 5.2% | | [Offices of Dentists](https://www.sbaexpress.loans/industries/offices-of-dentists/) | 6 | 5.3% | Not in top 5 | | [Veterinary Services](https://www.sbaexpress.loans/industries/veterinary-services/) | 6 | 5.3% | Not in top 5 | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## PNC Bank in other states Other states where these loans differ clearly from the national pattern, most loans first. **PNC Bank by state** | State | Loans since October 2019 | | --- | --- | | [Texas](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/texas/) | 501 | | [Maryland](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/maryland/) | 116 | | [Arizona](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/arizona/) | 102 | | [Kentucky](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/kentucky/) | 68 | | [Virginia](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/virginia/) | 66 | | [Colorado](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/colorado/) | 63 | ## Other lenders in California Other lenders in California with a clear difference from the national pattern, most loans first. **Other lenders in California** | Lender | Loans since October 2019 | | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/california/) | 1,484 | | [Northeast Bank (Portland, ME)](https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/california/) | 1,093 | | [Bank of Hope](https://www.sbaexpress.loans/sba-express-lenders/bank-of-hope/california/) | 910 | | [Bank of America](https://www.sbaexpress.loans/sba-express-lenders/bank-of-america/california/) | 866 | | [Harvest Small Business Finance, LLC](https://www.sbaexpress.loans/sba-express-lenders/harvest-small-business-finance-llc/california/) | 852 | | [Enterprise Bank & Trust](https://www.sbaexpress.loans/sba-express-lenders/enterprise-bank-and-trust/california/) | 560 | | [East West Bank](https://www.sbaexpress.loans/sba-express-lenders/east-west-bank/california/) | 527 | | [Zions Bank](https://www.sbaexpress.loans/sba-express-lenders/zions-bank/california/) | 519 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)