PNC understands that credit is a critical component to the success and cash flow of any business. We take the time to understand how your business operates and your working capital needs — with the goal to help optimize your cash flow by structuring credit solutions[1] and other cash flow solutions to help you to achieve your business goals. Whether you need to finance growth or cover gaps in revenue collection, PNC's flexible Lines of Credit help you prepare for the changing needs of your business.

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Best For: Businesses seeking an unsecured line of credit for $100,000 or less, that's easy to apply for, offers fast credit decisions, and easy access to their line of credit.
  • Simple and fast loan application and decisioning process - Credit decisions often in one day or less[1]
  • No collateral required - get credit without the hassle of tying up assets
  • Easy funds access - transfer funds online, by telephone, or write a check against the line amount
  • Peace of mind - Use for optional overdraft protection on your PNC business checking account, or unexpected cash flow shortages - it's there for you

Best For: Businesses ready to finance growth or take advantage of new business opportunities that require between $10,000 and $1 million, and can pledge the equity in their commercial or residential real estate as collateral.
  • Choice of Real Estate collateral - use equity from your home or your business building
  • Longer revolving credit terms - no annual renewal required, seven year revolving credit period[1]
  • Interest only payments - no principal payments required during revolving credit period
  • Fast and Easy access - transfer funds online, by telephone, or write a check against the line amount

Best For:Businesses who have non-real estate assets to collateralize a line of credit between $100,000 to $3 million.
  • Increased credit flexibility -- Collateralized lines of credit generally have lower interest rates and higher credit limits than comparable unsecured lines of credit[1]
  • Automatic Interest-only payments -- Deducted from your PNC business checking account
  • Fast and easy access - Online, by phone, or write a check against the line amount
  • Get peace of mind - Use your line of credit to provide optional overdraft protection for your PNC Bank business checking account


Important Legal Disclosures and Information

  1. All loans and lines of credit subject to credit approval and require automatic payment deduction from a PNC Bank business checking account. Origination and annual fees may apply.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC