Unsecured Small
Business Line of Credit

A Small Business Line of Credit with No Collateral Required

Features & Benefits

Simplified Loan Application & Decisioning Process

No Collateral

Easy Funds

Loan at a Glance

Line of Credit Amount $20,000 to $100,000[1]
Easy Access to Funds Write a check drawn against the account, transfer funds into an eligible PNC deposit account using online banking or by telephone
Interest Rates Variable, based on the Prime Rate[2]
Payments Payment amount is 1.5% of the balance (or a minimum of $100) automatically deducted from your PNC business checking account
Value Added Extras Your line of credit may be eligible for overdraft protection for your PNC Bank business checking account
Collateral Required None 
Annual Fee Annual fee of $175

What You Need to Apply

We'll help simplify your business lending experience. Your PNC Business Banker will walk you through the lending process and help.

Before You Start

There are a few things you will need to know or have available to successfully complete your application:

  • Have available any special loan promotion offer code, if applicable.
  • Know the dollar amount, type of loan you are applying for, borrowing purpose and collateral information, if applicable.
  • Information about your Business, such as:
    • Business Name and Address
    • Type of business organization and year established
    • Business Tax ID number, Annual Sales, Number of Employees
  • Information about each Business Owner, such as:
    • Name, Home Address, Social Security Number, Title, Ownership Percentage, Personal Financial information, Historical Information.
    • Government issued photo ID (Driver's License, US Passport, or a state-issued ID) may be requested for verification purposes.
    • You may want to have copies of your most recent business and personal tax returns and/or financial statements to assist with completion of the application.

How to Apply

Enjoy the convenience of applying over the phone or at any PNC Bank branch -- choose the way you prefer.

After You Apply, You Can Expect:

  • A clear explanation of our decision, as well as solutions identified for your consideration for addressing current and future borrowing needs.
  • All PNC employees involved with your loan request take personal responsibility for providing the highest level of customer service.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and Money Laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Review Our Business Lending Guidelines

Use our Business Lending Guidelines to help you better assess your creditworthiness when applying for new or additional revolving or fixed-term financing. These guidelines are not the only criteria for a final credit decision, but they will empower you to better understand your financial position in the context of PNC’s business lending practices. 

Contact Us

Call Us

Mon - Fri: 8:30 a.m. - 8:00 p.m. ET 

Visit Us

Find a PNC location near
you and stop by to see us.

Let's Talk

Share your information and we'll reach out to you.


Complete the contact form and a PNC Business Banking representative will contact you within 1 to 2 business days.