What You Need to Apply

PNC’s Retail Bank currently operates in all or part of the following States: Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, Washington DC, West Virginia and Wisconsin.  If your business is located outside of PNC’s servicing area, then please call us at 1-800-762-5684 for further assistance.


Applying is easy, but before you start, there are a few things you will need to know or have available to successfully complete an application.

You may want to use copies of your most recent business and personal tax returns and/or financial statements to help you gather the information listed below:

  • To apply online you must be a PNC Bank Business Banking customer. If not, you can apply at any PNC Bank branch.
  • Know the dollar amount, type of loan you are applying for, borrowing purpose and collateral information, if applicable.
  • Have available any special loan promotion offer code you may have received, if applicable
  • Information we'll need about your business:
    -- Business Legal Name, Street Address, Phone Number, Email Address
    -- Type of business organization, year established, date acquired by the present owner and Industry Code (NAICS)
    -- Business Tax ID or Social Security number (sole proprietors only), Annual Sales/Gross Revenue, Number of Employees
  • Information we'll need about each Business Owner:
    Note: Each owner with 25% or more interest in the business is required as guarantor
    -- If you are submitting your application online, you will need all of the personal information from at least one owner, and for any additional owner(s)/guarantor(s) the items marked with an asterisk below. We will contact the additional owner(s)/guarantor(s) directly to gather any missing personal information.
    -- Name(s)*, Home Address(s)*, Personal Phone Number(s)*, Personal Email Address(s)*, Social Security Number(s)*, Date(s) of Birth*, Title(s), Ownership Percentage(s), Citizenship(s)
    -- Government issued photo ID (Driver's License, US Passport, or a state-issued ID) may be requested for verification purposes

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 customer that opens an account. What this means for you: when you open an account, we will ask you 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 information.

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.  Read Guidelines »


Please call us at 1-800-762-5684 between the hours of 8:00 a.m. to 6:00 p.m. ET, Monday through Friday if you have any questions.

Find the PNC Business Lending Option Right for Your Business Needs and Apply

Browse Lines of Credit »

Browse Term Loans »


Important Legal Disclosures and Information

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.

Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association (N.A.), a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.