Penn Commercial Capital was founded in 2018 by John Varano, a 25-year-veteran of the residential lending industry, along with his partners and under the direction of a Board of Directors with over 30 years of commercial lending expertise, commercial mortgage-backed securities sales, and SBA lending.

Seizing upon the ever-increasing demand in the market for small balance lending products to help small businesses startup and grow, John put together a winning team of professionals specifically to cater to this part of the market. John recognized that most banks and lending institutions typically ignore and under serve customers with a need for financing projects of less than $1 million dollars. These clients are often left with having to settle for loan programs that are frequently restrictive, costly, and, often times, predatory to smaller investors and business owners.