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Understanding Business Credit

Get Ready! Insights to 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.
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  • 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.
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  • 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.
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    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.
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  • 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.
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  • Access to Credit
    3 Steps to Building Your Credit History
    Lenders look at your personal credit when you apply for a business credit line.
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  • Access to Credit
    Overcoming a Blemish on Your Business's Credit
    A credit report should always be a two-way conversation with reporting agencies.  
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  • Access to Credit
    Small Business Loans
    When cash flow shortfalls arise, one way for business owners to stay afloat is by getting a small business loan, line of credit, or working capital loan.
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  • 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.
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    SBA Loans
  • Access to Credit
    Maintaining Cash Flow While Paying Off Debts
    If you're relying on big clients or irregular payment cycles, your cash flow can become unpredictable.
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  • Access to Credit
    Cash Infusions
    How lines of credit and business loans can be leveraged to help your growing business.
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  • Access to Credit
    A Surprising Lesson Learned About Managing Cash Flow
    Jay Goltz, PNC CFO and New York Times blogger gets honest about the mistake of ignoring fine print.
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    • 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. Origination and annual fees may apply.

    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.

    The PNC Financial Services Group, Inc. All rights reserved.