Welcome to PNC! How can we help you today?

When autocomplete results are available use up and down arrows to review and enter to select. Touch device users, explore by touch or with swipe gestures.

Understanding Business Credit

Get Ready! Insights that Help Prepare You to Apply for a Small Business Loan

Featured Articles

  • Access to Credit
    Cash or credit? Which is the better fuel?
    To answer the question, begin with a clear picture of what operating cash you need to comfortably run a business.
    Read More
    - Alternate text here -
  • Tactics & Insights
    Ways to Expand
    Early on, high margins can put your business in your best possible position to grow and over time, the savings generated from low costs can add up.
    Read More
    - Alternate text here -
  • Access to Credit
    How Small Businesses Can Ensure Access to Credit
    Access to credit can help small businesses ensure a positive cash flow by securing financing at better terms and getting that financing when needed.
    Read More
    - Alternate text here -

    • Explore Borrowing Options Available from PNC[1]

    Whether the flexibility of a Line of Credit will help you best prepare for the changing needs of your business, or you're looking for a Term Loan to provide a specific amount of credit to purchase assets or meet specific financing need, PNC has a variety of borrowing options to meet your needs.

    Learn more about:

    Business Lines of Credit   Business Term Loans

    You May Also Be Interested In...

  • Access to Credit
    5 Tips for Obtaining a Business Line of Credit
    Compile year-to-date financial statements and business bank statements covering anywhere from six to 24 months.
    Read More
    - Alternate text here -
  • Access to Credit
    Establishing Credit Early — 3 Guiding Principles
    Establish a solid team of professionals to help you grow — financial advisor, tax accountant and bookkeeper, lawyer.
    Read More
    - Alternate text here -
  • Access to Credit
    3 Steps to Building Your Credit History
    Lenders look at your personal credit when you apply for a business credit line.
    Read More
    - Alternate text here -
  • Access to Credit
    Overcoming a Blemish on Your Business's Credit
    A credit report should always be a two-way conversation with reporting agencies.  
    Read More
    - Alternate text here -
  • Access to Credit
    A Guide to SBA Loans
    The U.S. Small Business Administration (SBA) can help be the difference-maker in getting the money your business needs.
    Read More
    SBA Loans

    • Get Started with PNC for Your Business Banking Needs


    Important Legal Disclosures and Information

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

    BBVA USA Bank has been acquired by The PNC Financial Services Group, Inc. and is operating as an affiliate of PNC Bank, National Association. (PNC Bank, N.A.) until later this year, when BBVA USA Bank will be merged into PNC Bank, N.A. Until the merger is complete, both banks will continue to offer independent products. Product offerings may differ in underwriting guidelines, product features, terms, fees and pricing. You are free to apply at either bank for the products of your choice.

    PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”). This article has been prepared for general information purposes by the author who is solely responsible for its contents. The opinions expressed in these articles are those of the author and do not necessarily reflect the opinions of PNC or any of its affiliates, directors, officers or employees. This article is not intended to provide legal, tax or accounting advice or to suggest that you engage in any specific transaction, including with respect to any securities of PNC, and does not purport to be comprehensive. Under no circumstances should any information contained in the presentation, the webinar or the materials presented be used or considered as an offer or commitment, or a solicitation of an offer or commitment, to participate in any particular transaction or strategy or should it be considered legal or tax advice. Any reliance upon any such information is solely and exclusively at your own risk. Please consult your own counsel, accountant or other advisor regarding your specific situation. Neither PNC Bank nor any other subsidiary of The PNC Financial Services Group, Inc., will be responsible for any consequences of reliance upon any opinion or statement contained here, or any omission.  Banking and lending products and services, bank deposit products, and Treasury Management products and services for healthcare providers and payers are provided by PNC Bank, National Association, a wholly owned subsidiary of PNC and Member FDIC. Lending and leasing products and services, including card services and merchant services, as well as certain other banking products and services, may require credit approval.

    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.