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 to make your business more predictable.[1]

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Reach out to an Agriculture Banker

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

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.


USDA Offers Short-term Relief; PNC Offers Long-term Support

by Warren Graeff

Tensions are running high in the U.S. agriculture industry. Tariffs imposed by China, Mexico and Canada are reducing demand for U.S. ag commodities, causing surpluses to rise and prices to fall. Adding to this are the uncertain outcomes of international trade negotiations.
Read how the USDA plans to provide short-term relief and how PNC supports agribusinesses »


Profiles in Agribusiness

A&B Milling Company

Taking Their Company Nationwide

Shortly after Bob Allsbrook took the reins of his family’s feed, seed and fertilizer business in 1972, a government dairy buyout caused him to rethink the direction of A&B Milling Company in historic Halifax County, North Carolina. They decided to shift their agribusiness focus to selling peanut products.

Read their story »

ARC Ferns

Thriving Through Specialization

Each year, ARC Ferns produces more than 10 million fern liners, in 150 different varieties, for growers, nurseries and resellers throughout the country. “We satisfy nearly 50% of U.S. demand for these types of ferns,” says ARC President Dan Carmi, whose horticulture education and expertise form the roots of his successful business.

Read their story »

Tools and Resources

Business Insights Agriculture Newsletters

Stay on top of the latest farming and agricultural industry news with Business Insights for Agriculture. This educational e-publication covers industry hot topics such as farm management and forward-thinking approaches to agricultural business.

Subscribe to eNews

Latest Edition:

5 Tips for Preparing for Your Annual Financial Review
An annual financial review helps you see where your farm stands today and make plans to keep it running strong over the short and long term.

Protecting Your Farm with a Margin Protection Plan
MPP adds a new dimension to your insurance coverage. Find out how it can help.

Build a Successful Multigenerational Farm Through a Team Approach
To increase the chances that your farm will be part of your family’s future, embrace communication today.


Previous Issue:

Creating a Succession Plan
Choosing the person you’ll turn the operation over to when your farming days are done

3 Tips to Accurately Value Your Farm
An independent farm is much more than just a business operation.

Variable-Rate Strategies
Advanced soil and production analyses and seeding methods are helping farmers


White Papers

Tips for Building Sustainable Farms

Farmers and ranchers across the U.S. are charged with a critical task: feeding our country and the rest of the world. The United States Department of Agriculture (USDA) reports that the U.S. is the world’s largest agricultural exporter, with one out of every three acres being planted for exported products.

Risk Management for Modern Agricultural Operations

U.S. agriculture producers have always dealt with risks, from weather to unpredictable supply and demand changes to volatile costs and market prices. Today’s producers must navigate through an even greater number of unknowns, as agriculture has become a capital-intensive, high input-cost business in an increasingly global marketplace.

Succession Planning on the Family Farm

The family farm is a vital aspect of American industry and a significant contributor to the economy. But maintaining a thriving farm operation is no small task, given the level of financial commitment, opportunity and risk associated with agriculture and agri-business. Yet families across the country continue to dream of the day the farm will pass to the next generation.

Associated Products & Services

Get Time Back!

Cash Flow Insight℠ helps you speed up receivables, stay on top of payables, store documents online, and sync with your accounting software.

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Online Services for Business

Take control of your business finances - online. is your business connection to anytime online banking and bill payment, self-service account management, payroll services, tax payments and more.

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Which Line of Credit Works for You?

Compare our Business Lines of Credit to find the one best suited to your business needs.  

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Important Legal Disclosures and Information

  1. 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.

  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