The PNC Advantage for Agriculture

Your cash flow cycle can be inconsistent and unpredictable.  To help you succeed we provide an array of solutions to optimize your business cash flow. Whether you need financing for crops, livestock, or major equipment purchases, PNC has solutions that make your business more predictable.[1]

We're Here to Help

Find cash flow opportunities and get answers.

Agriculture Business Insights eNewsletter: Spring/Summer 

Agriculture is an industry with unique banking needs due to cash flow seasonality and marketplace cyclicality

A custom banking approach is necessary to keep your cash flow consistent and predictable. Whether you're a lifestyle farmer, own a small farm, operate a large commercial farm, or run an agri-business, PNC has the products, services and experience to help you achieve your goals.

Understanding Agriculture Production

PNC is one of the Top 20 agriculture banks in the nation[2] and has supported the industry for many years. You require bankers that understand how a farm or agri-business operates, in addition to the market trends that may impact your business and financial stability. At PNC, we have a dedicated staff of agricultural bankers devoted to keeping your farm or agri-business running smoothly and profitably. Our sales team is committed to building solid, long-term relationships with agriculture producers and agri-businesses.

PNC is also dedicated to the communities where agriculture producers work and live through our close working relationships with agricultural associations and local extension offices, in addition to supporting county fairs and industry specific conventions.

Improve and Regulate Your Cash Flow

Your cash flow cycle can be inconsistent and unpredictable. We understand the unique challenges your business faces and the special role that cash flow plays in your success. To help you succeed we provide an array of solutions to optimize your business cash flow.Whether you need financing for crops, livestock, or major equipment purchases, PNC has solutions that make your business more predictable, including flexible repayment schedules[1]. Additionally, we can help accelerate the collection of receivables, monitor and project cash, and improve the ways you make payments. We also offer a full suite of online tools and reporting for easy account analysis. Explore all of these solutions in more detail below.

Understand, Project, Act

The health of your business depends on your ability to analyze performance and confidently make decisions that will help you achieve your goals. With Cash Flow InsightSM, you can visualize your cash flow week-to-week, month-to-month and even year-to-year with innovative views so you can see trends that may help with future projections. See how it works »

Start with the Right Business Checking Account

PNC offers business checking accounts with features for the needs of your farm or agri-business.

Talk to us about your agriculture business, where you want it to go, and how we can help you get it there. Your PNC Agricultural Banker will identify key components of your business' revenue cycle, and help you select the options best suited for your needs.

Tools and Resources


Increase Your Cash Flow in Two Years

How Smart Business Owners Will Double Their Cash Through 2019

Exclusive Free Webinar
Guest Speaker: Gene Marks, Nationally Recognized Management Expert

Hear Gene Marks, whose The Washington Post, Forbes, Inc. Magazine and The Huffington Post columns on management are read weekly by hundreds of thousands of owners of small and medium-sized businesses across the country. Gene’s columns, presentations and frequent appearances on Fox Business, Fox News, MSNBC and CNBC are thought-provoking and entertaining.

During this presentation, Gene covered the latest trends, techniques and tactics used by smart business owners and managers to maximize their cash flow, including:

  • Key internal and external metrics
  • Which financial statement benchmarks and reports work the best
  • Techniques for creating budgets and forecasts
  • How smart managers manage payables and receivables to make the best use of their cash float
  • The latest technologies, websites, tools and services for cash management
  • Thoughts and best practices for increasing open accounts receivable collection and customer management

Watch Replay

Browse All Webinars »

Business Insights Agriculture Newsletters

In-depth Agriculture articles and new ideas for running your business.

Spring 2016 Issue

  • Standard Accounting Practices: Your Competitive Edge
  • Build and Maintain Your CSA Shareholders
  • Tips to Expand Your Customer Base
  • Customer Service Matters

  • Read, Download, Print »

    Fall 2015 Issue

  • Farming in the Digital Age
  • 5 Leadership Styles that Work
  • Tips for Hiring Seasonal Workers
  • Culprits of Cash Flow and Collections Problems

  • Read, Download, Print »


    Tips to Expand Your Customer Base

    Duration: 0:4:36
    One of the joys of running any small business is the sense of serving a tightly knit community. That’s especially true in agriculture, which, after all, is defined by the land around you. But in many ways, the online age has lent new meaning to the word “community.”


    Farming in the Digital Age

    Duration: 0:5:04
    Developing relationships with legislative and regulatory officials is a must in order to influence public policies that impact your farm or agribusiness. It is also necessary to engage colleagues, the broader community and the media. Use these strategies to effectively communicate your ideas and engage others.


    Make Cross-Selling Work for You

    Duration: 0:4:50
    Customers who buy one product from you are likely to be interested in additional items that compliment their initial purchase.




    Associated Products & Services

    PNC points® Visa® Business Credit Card

    Get an introductory 0% APR for the first 9 billing cycles following account opening on purchases and balance transfers, when the balance is transferred within the first 90 days following account opening.

    Learn More »

    Cash Flow Insight℠

    Manage your business's cash flow with efficiency, control and insight with our innovative suite of online tools.

    Learn More »

    PNC is Always Open for Your Business

    PNC is making it easy for you to bank how and when you want to, providing solutions that enable you and your business to bank on your terms.

    Learn More »

    Important Legal Disclosures and Information

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

    2. As reported by the FDIC, based on aggregate loan volume.

    Bank deposit products and services provided by PNC Bank, National Association (N.A.). Member FDIC