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From Vancouver to Montreal, we deliver customized financial solutions with the flexibility you need to fuel your achievement.
Leveraging your assets to power growth can offer greater and more flexible access to capital. For more than 20 years, PNC Business Credit has been a consistent, reliable lender to mid-sized companies through good and bad economies, in a variety of scenarios. Whatever your business, whatever challenges and opportunities you are facing, we deliver optimum levels of finance to power your success.
When capital solutions are required across borders, seamless Cross Border lending offered by PNC Business Credit can power efficiencies and growth for companies in the United Kingdom and United States. From Vancouver to Miami and San Francisco to London, learn more about our international lending capabilities by clicking here: U.S. | UK
The Technology Finance group at PNC Business Credit has developed capital solutions that can help meet growth and financial objectives of companies with recurring revenue. If you are a sponsor-backed enterprise software or technology-enabled company, we may be able to offer you senior debt based on the intrinsic value of established recurring revenue streams. Learn more »
For more than 10 years, our experts have delivered unitranche lending structures that simplify the process and improve economics between multiple lenders of term and revolving debt in the capital structure.
The PNC Business Credit Retail Finance group provides flexible lending services for a changing retail landscape. As the retail industry undergoes unprecedented transformation, demand is increasing for flexible capital to fuel changing business models. Learn More »
James Bruce is Vice President and Relationship Manager for PNC Business Credit. He is responsible for the management and growth of PNC customer relationships.
Bruce has more than 25 years of credit experience. He has focused on asset based lending for more than a decade and has been involved in both underwriting and account management with Canadian schedule I banks and U.S. based lenders.
Bruce received his bachelor’s degree from Concordia University and his MBA from McGill University.
David D’Cruz is Vice President and Relationship Manager for PNC Business Credit. Based in Toronto, he is responsible for management of customer relationships within the PNC Business Credit Canadian portfolio, covering companies nationwide.
D’Cruz joined PNC in 2018 and has over five years of progressive experience in both structuring and financial analysis of mid-cap and large-cap companies, most recently with the asset based lending group of RBC Capital Markets.
D’Cruz received his Bachelor of Commerce degree from the University of Toronto and holds an MBA from Dalhousie University.
Patrick Mercieca is Vice President and Business Development Officer for PNC Business Credit. Based in Toronto, he is responsible for originating asset-based and cash flow loans across Canada with middle-market companies and private equity firms.
Mercieca joined PNC in 2017 and has over eight years of experience in finance. He most recently served as assistant vice president for loan originations at Wells Fargo Capital Finance.
He received his bachelor of commerce degree from Bishop’s University in Quebec. He holds a CMA, CPA accounting designation.
Wendy Whitcher is Vice President and Relationship Manager for PNC Business Credit. She is responsible for management of customer relationships within the PNC Business Credit Canadian portfolio.
Whitcher joined PNC in 2011 and has 23 years of experience in asset based lending, most recently with Wells Fargo Capital Finance Corporation Canada (formerly Wachovia Capital Finance).
She received her bachelor's degree from Bishop's University and her Graduate Diploma in Public Accountancy from McGill University.
Whitcher is a CPA and a 25-year member of the Ordre des Comptables Agréés du Québec.
PNC is a registered mark of The PNC Financial Services Group, Inc. ("PNC"). PNC Business Credit is a senior secured lending division of PNC Bank, National Association ("PNC Bank") and its subsidiaries, and is part of PNC. In Canada, the Canadian federally regulated branch of PNC Bank, PNC Bank Canada Branch provides various bank products and services. Deposits with PNC Bank Canada Branch are not insured by The Canada Deposit Insurance Corporation. In the UK, lending products are provided by PNC Financial Services UK Ltd., which is an indirect wholly-owned subsidiary of PNC Bank. Lending and leasing products and services, as well as certain other banking products and services, require credit approval.
*A portion of the funding provided by Steel City Capital Funding, a division of PNC Bank. Steel City Capital Funding provides Cash flow-based senior debt, junior secured, and second lien loans for sponsored and non-sponsored transactions.
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