Don't waste time with good loans and bad lenders

PNC SMALL BUSINESS LENDING
Financial Benefits of SBA Loans
Because the one thing an undercapitalized business doesn't have is excess cash, the SBA permits loans with unique financial benefits:
- Less Money Down - You can better leverage your personal or investment capital -
and get more done with less up-front investment - with an SBA-guaranteed loan
- Longer Payback Terms - You can improve your cash flow with lower monthly
payments, and - when appropriate - fix a better match between loan terms and
longer-term rates for capitalized-equipment or real-estate depreciation
- Lower Interest Rates - Because the SBA absorbs a significant percentage of
the loan risk, the bank can lend at a lower rate - you enjoy better cash flow, and
the savings go straight to your bottom line

SBA loans offer other special benefits typically unavailable through a conventional business loan:
- No Balloon Payment Required - You can establish terms that minimize your
monthly payment without attaching a large payout at the end of the loan
- Easier Credit Available - The SBA simply makes it easier to get the loan
you want

Thomas Kruger
Business Development Officer
941-556-1465
Send e-mail to: Thomas Kruger PNC Bank