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Get up to
$100,000[1]
No origination fees &
No annual fees
Get a decision in as little as
1 business day
Application and Funding
Apply
in about five minutes![4]
Get a Decision
in as little as one business day.
Access Funds
in as little as 1–3 business days.
Qualifications
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
Tax ID/EIN
Business Checking Account Statements for the last 3 months
Features and Benefits
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, the minimum monthly payment will be equal to 1.5% of the ending balance plus any and all fees, or $100.00, whichever is greater.
Opportunity to improve credit score
We report all account activity to the credit bureaus
Frequently Asked Questions
What information do I need to apply?
You will need to provide general information about your business (annual revenue, time in business), together with a copy of your recent business checking account statements for the last three months and personal information regarding each applicant and/or co-applicant. This information will enable PNC to conduct credit underwriting and due diligence, including verification of the information you provided.
What amount can I qualify for?
Subject to credit underwriting and due diligence approval, you could be offered a line of credit in an amount up to $100,000.00. Such line of credit amount will be established based upon a variety of credit underwriting factors, including the applicant’s and/or co-applicant’s credit profile, and other financial and other information.
When will I find out if I am approved?
Provided that all information necessary to make a credit underwriting decision has been received by PNC Bank, you may receive a decision regarding your application in as little as one business day from the date your application is submitted. In the event that additional information is needed to complete credit underwriting and due diligence in connection with your application, we will reach out to you within five business days from the date your application is submitted.
Do I need a PNC Bank checking account to apply?
You are not required to have a PNC business checking account. However, you will need a business checking account from which payments on your line of credit will be made and advances deposited – this can be a non-PNC account.
What are the fees for the PNC Small Business Flex Line of Credit?
There are no origination fees and no annual fees for the PNC Small Business Flex Line of Credit.
When are funds available?
Provided that your application for a PNC Small Business Flex Line of Credit is approved, funds will be available for use in as little as 1–3 business days after you have accepted and signed final loan documents.
Does the PNC Small Business Flex Line of Credit require a Personal Guarantee?
Yes. Individuals and/or entities who own 50% or more of the borrowing entity (either individually or collectively) must guaranty the Small Business Flex Line of Credit.
How do you calculate the interest rate?
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”) plus a margin.
Contact Us
Call Now
Mon–Fri, 10 a.m.–8 p.m. ET
888-225-2424
Important Legal Disclosures & Information
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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.
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Based on branches and deposits.
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2018 Greenwich Best Brand & Excellence Awards in U.S. Small Business Banking.
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Copies of bank statements for the last three months 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.
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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, a wholly owned subsidiary of PNC and Member FDIC.
PNC 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.