From startups to established enterprises, PEAR provides the capital, expertise, and relationships your business needs to grow — backed by 30+ years of commercial underwriting experience.
No monthly fee for qualifying businesses. Unlimited transactions, same-day ACH, and dedicated business support. Integrate with QuickBooks, Xero, and more.
Earn competitive yields on your operating reserves. Tiered rates reward higher balances, and NCUA insurance protects up to $250,000.
Up to 2% cash back on all purchases, no foreign transaction fees, and individual employee cards with spend controls. No annual fee first year.
PEAR is an SBA-preferred lender. We offer 7(a) and 504 loans for equipment, real estate, working capital, and business acquisition — with streamlined approval.
Access revolving credit for payroll, inventory, and short-term needs. Draw only what you need, pay interest only on what you use. Lines from $25K–$500K.
Finance new or used equipment with terms up to 84 months. Preserve cash flow and keep existing credit lines open for other opportunities.
Financing for office buildings, retail centers, warehouses, and mixed-use properties. Competitive fixed and variable rate options with up to 80% LTV.
Ground-up construction financing with draw schedules that match your project milestones. Our PEAR Financial Group team has underwritten millions in commercial construction.
Lower your rate or pull cash from equity in your commercial property. PEAR Hospitality LLC specializes in hotel property refinancing and renovation funding.
Structured financing solutions for Real Estate Investment Trusts through PEAR Real Estate Holdings, LLC. Custom terms for institutional investors.
PEAR Financial Group, LLC brings decades of underwriting expertise across commercial real estate, hospitality, energy, and institutional finance. Our team is experienced in evaluating complex deals and structuring solutions that work for both the borrower and the lender.
We work with businesses across the continental United States, providing the capital and guidance needed to realize ambitious visions for growth and community impact.