Business Owners Rely on PNC

Help Your Business Thrive with an Unsecured Line of Credit[1]

It's fast, easy and secure!

Current interest rate[2]  

as low as 10.99%

Get a decision in as little as

1 business day

Receive funds typically within

1–3 business days

Cash When Your Business Needs It

If your business requires funding to keep it running smoothly, we offer unsecured lines of credit from $10,000 to $100,000 to approved customers.


  • Simplified application and decision process. Apply online in about five minutes. Get a decision in as little as 1 business day.
  • No collateral requirement. No need to tie up assets.
  • Fast, flexible funds access. If approved, your funds will typically be available in 1-3 business days. Access them online, or by writing checks.

Business Uses:

  • Funds at the ready: Working capital to help smooth the ups and downs of business cash flow
  • Be ready for the next big moment: access funding to purchase inventory or equipment.
  • Protect your assets: be prepared for an emergency without depleting your available cash

We're Here for You

Call us – 10am to 8pm ET – if you have questions.


Apply Online

How Much Could I Qualify to Borrow

Estimate how much credit may be available to your business. We consider annual business revenue, current business debt, and the interest rate in effect when you apply.

Answer the two questions in the calculator to find out how much your business could qualify for.

Get a Credit Line Estimate




Ready to get started? It only takes about 5 minutes.

Apply Now

This will not affect your credit score.

How It Works


Submitting an application takes just about 5 minutes.

Get a Decision

Receive a decision in as little as one business day.

Receive Funds

Once your request is approved, your funds will typically be available in 1–3 business days.

Here's what you'll need to move through the application process quickly:

Social Security Number


Most Recent Business Checking Account Statement

Eligibility Requirements:


3 Years or more

in Business


$100,000 - $5,000,000

Gross Annual Revenue

Apply Today. Receive funds typically in a few days[1].

Apply Now

This will not affect your credit score.

Why PNC for Business Lending?

Trusted for over 160 Years

For more than 160 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals.

A flexible PNC Business Line of Credit can help you prepare for changing business needs.

Our Business Line of Credit at a glance:

Credit Amount
$10,000 to $100,000
Interest Rates
Variable Rate. Currently 10.99%[2]
Monthly Payments
$100 or 1.5% of the outstanding debt, whichever is greater
Annual Fee
Collateral Required

Frequently Asked Questions

Important Legal Disclosures & Information

  1. All loans and lines of credit are subject to full credit underwriting, due diligence and approval.  Completion and submission of this request does not constitute a commitment by PNC to lend nor does it create any obligation on the part of PNC.  PNC will not be deemed to extend any commitment to you unless and until a definitive agreement relating to the proposed loan or line of credit is signed.  Any loan or line of credit that is approved will require automatic payment deduction from a business checking account.

  2. The interest rate is subject to change from time to time, based on changes in an independent index which will be the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal (the “Index”). The Index is not necessarily the lowest rate we charge on our loans. The interest rate provided above, for informational purposes, was calculated based on the current Index of 5.50%  plus a margin of 5.49%.

  3. The monthly payment amount is an estimate and calculated based on the assumption that each periodic payment will be made on the date when due, and that the interest rate Index remains constant.   The minimum monthly payment will be equal to the greater of (i) one and one half percent (1.5%) of the ending balance reflected on the billing statement (plus any and all fees); or (ii) $100.00.  Any repayment schedule provided is only an estimate, and is superseded by the terms of the loan documents entered into between the Applicant and the Bank regarding the accrual and payment of principal and interest.  The outstanding principal balance of your credit facility may increase or decrease based on frequency and amount of requested draws and repayment history.


Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association, a wholly owned subsidiary of PNC and Member FDIC.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.