With strong experience in the assets that can power your business, the PNC Equipment Finance team offers the full complement of finance alternatives to help you:

• Obtain the equipment you need while preserving cash and maximizing budgets.
• Move beyond replacement and establish a program to stay on the cutting edge of technology and reduce operating costs.
• Take advantage of funding for a wide range of assets, technologies and projects that may include soft costs like delivery, installation and more.
• Access structures that can enhance cash flows and return on investment – based on your equipment needs.

A Revolving Line of Credit provides flexible, on-demand access to capital — helping businesses manage the natural rhythms of their cash flow and seize opportunities as they arise. A revolver allows you to draw funds as needed, repay, and re-borrow up to an approved limit, with interest charged only on the outstanding balance.

Common use cases include:

• Smooth cash flow volatility — Bridge timing gaps between receivables and payables, or absorb unexpected expenses and seasonal demand fluctuations without disrupting operations.
• Act quickly on opportunities — Fund short-term projects, time-sensitive purchases, or strategic initiatives with immediate access to capital and no need to reapply.
• Optimize inventory management — Negotiate, plan, and acquire inventory on your terms without depleting cash reserves or sacrificing supplier discounts.
• Lower your cost of capital — Replace higher-cost, short-term funding with competitively priced revolving debt, paying interest only on what you use.
• Fund growth and transformation — Cover expansion and investment expenses in the near term until new revenues materialize, keeping your long-term strategy on track.