# First Commonwealth Bank (SBA lending)

Ten worked deals on the page, three of them buys.

The show-your-work desk: ten closed SBA deals with amounts on its own page, three of them business acquisitions to $4.95 million, over a published 85% acquisition-financing figure, a partner-buyout line at up to 100%, and Preferred Lender status with final credit decisions in-house. Third in Ohio's and fifth in Pennsylvania's change-of-ownership tables in the FOIA loan file, with Texas and Florida closings proving reach past the branches.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.fcbanking.com/business/financing/sba-loans/

## At a Glance

The show-your-work desk: ten real closings with amounts, the 85% acquisition figure in writing, and a [partner-buyout](https://searchspheresource.com/glossary/partner-buyout) line at up to 100%. In its two states start here beside the specialists, and read the Texas and Florida closings before assuming you are too far away.

## What It Costs

Loan products; no fee to engage. The uses page publishes the figures the category hides: up to 85% financing for the acquisition of a business, up to $5 million in bank lending, and up to 100% financing on a partner buyout; no rates anywhere. The worked-deals page shows ten closings with amounts, three of them business acquisitions, $4,950,000 for an Ohio technology equipment supplier, $2,248,000 for a Texas automotive repair acquisition with real estate, and $678,200 for a Florida medical spa. The FOIA loan file places it third in Ohio with 48 and fifth in Pennsylvania with 68 change-of-ownership loans across the file's six years.

## Best For

Buyers in Pennsylvania and Ohio who want a [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) that shows its closed deals with figures, and partner buyouts anywhere its remote closings reach

## Pros and Cons

- Pro: Ten worked SBA deals with real amounts on its own page, three of them business acquisitions to $4.95 million, candor almost nobody offers
- Pro: Publishes the acquisition figure that matters, up to 85% financing for buying a business, and up to 100% on a partner buyout
- Pro: A Preferred Lender making final credit decisions in-house, claiming more than 55 years of SBA practice
- Pro: Texas and Florida closings on its own page prove the desk lends well past its Pennsylvania and Ohio branches
- Con: No rates published anywhere on the SBA pages; the worked deals show sizes and purposes, never pricing
- Con: The 85% financing line is a ceiling, not a promise; underwriting decides what ythe FOIA loan file gets
- Con: A Pennsylvania and Ohio bank by masthead, so a far-from-branch file runs on the remote process rather than a local officer
- Con: No Searchfunder or Reddit thread discusses the lender, so there is no practitioner account of how it handles a [search-fund](https://searchspheresource.com/glossary/search-fund) file

## What Searchers Say

The 85% acquisition financing, the $5 million bank lending line, the 100% partner-buyout option, the Preferred Lender status with final credit authority, and all ten worked deals with their amounts are its own pages'. The FOIA loan file independently places it third in Ohio and fifth in Pennsylvania for [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) loans across the file's six years; the Texas and Florida closings on its own page corroborate lending beyond the branch states.

## Sources

- https://www.fcbanking.com/business/financing/sba-loans/sba-loan-uses/
- https://www.fcbanking.com/business/financing/sba-loans/our-sba-work/
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/first-commonwealth-bank
Last checked: 2026-08-08

Site index for machines: https://searchspheresource.com/llms.txt