Help Your Business Thrive
with a Business Line of Credit[1]

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No origination fees &
No annual fees

Get a decision in as little as
1 business day

Who is PNC Bank?

Ranked among top small business lenders

Over 725,000 small business clients

One of the largest banks in the US[4]



Loans and Lines of Credit[5]

How It Works


in about five minutes![6]


Get a Decision
in as little as one business day.


Receive Funds
in as little as 1–3 business days.

Ready to get started? It only takes about 5 minutes.[6]

Apply Now

This will not affect your credit score.

What You Need to Get Started

Minimum Qualifications

Three or more years in business

$100K–$5M Gross Annual Revenue

A U.S. based checking account (doesn't need to be PNC)

What You Need to Apply

Social Security Number


Most Recent Business Checking Account Statement

Line of Credit Made Simple

Funds available on demand

Enjoy peace of mind with money available at the click of a button

Only pay for what you use

If you draw funds, monthly payments are $100 or 1.5% of the outstanding debt, whichever is greater

Access to a revolving line

Draw as little or as much as you want with your replenishing credit line[7]

Opportunity to improve credit score

We report all account activity to the credit bureaus

Apply Today. Receive funds in as little as 1–3 business days.[1]

Apply Now

This will not affect your credit score.

Frequently Asked Questions

We're Here for You

Call Now
Mon–Fri, 10 a.m.–8 p.m. ET

Or Apply Today

Apply Now

This will not affect your credit score.

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. Availability of funds subject to credit approval, dollar amount requested and timing of request. 

  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 3.25% plus a margin of 7.49%.

  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.

  4. Based on branches and deposits.

  5. 2018 Greenwich Best Brand & Excellence Awards in U.S. Small Business Banking
  6. One copy of your latest bank statement must be provided prior to submission of your application. PNC reserves the right and may request additional documentation in connection with its credit underwriting analysis and due diligence review, which may include, without limitation, organizational documents, driver’s license, social security card, or business tax return.

  7. Advances under the line of credit will be subject to the terms of definitive loan documents.

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

PNC Bank is a registered mark of The PNC Financial Services Group, Inc.

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.