The PNC Advantage for Retail Businesses

To help you manage your cash and meet the requirement of fast-paced retail and restaurant operations, the PNC Advantage for Retail and Restaurant Businesses helps you optimize cash flow so you have more time and resources to address the opportunities of the day.

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Let's talk about the cash flow solutions that work best for your business.

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All-in-one cloud based payments system with integrated software, apps and a merchant account.

PNC Merchant Services® Visa® Chip Card Tour

Join our Live Exclusive Free Webcast - Friday, May 13, 2016, 12:00pm - 1:00pm ET

Join us for this timely discussion on EMV® chip card acceptance, hosted by PNC Merchant Services, Visa, and the Greater Pittsburgh Chamber of Commerce, an affiliate of the Allegheny Conference on Community Development.  Webcast participants will hear directly from leading payment security experts as well as a merchant whose business is already accepting chip cards.

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Retail and Restaurant Businesses are Exciting and Energizing Endeavors

But the unique challenges you face can make it hard to control cash and be financially prepared for the unexpected. To help you manage your cash and meet the requirement of fast-paced retail and restaurant operations, the PNC Advantage for Retail Businesses helps you optimize cash flow so you have more time and resources to address the opportunities of the day.

The PNC Advantage for Retail Businesses

 Optimize Cash Flow

Includes core banking components and practical solutions that are uniquely suited with features and services to meet the needs of large and small retail businesses:

  • Accelerate and expand your processes for making and collecting payments
  • Manage receivables to better control cash flow
  • Utilize online tools for better cash position reporting and informed business decision-making

Working Capital and Credit Solutions

Fast credit access for cash shortfalls or unexpected opportunities:

  • Wide range of business financing options[1]
  • Manage everyday expenses and cash flow more efficiently and securely when you use one of our PNC credit card options

Additional Resources for Your Employees

Even small companies can offer "big company benefits":

  • PNC WorkPlace Banking is our free financial services program for your employees
  • Flexible employee retirement planning options


Optimize Your Cash Flow

To help you meet the cash management requirements that are unique to retail operations, PNC offers The PNC Advantage for Retail Businesses - a powerful package of services that provides a comprehensive solution to your end-to-end money management needs.Meeting the Needs of Larger Retailers

The PNC Advantage for Retail Businesses isn't just designed for smaller retailers. We can also meet the sophisticated financial needs of more complex businesses, such as larger retail businesses, as well as franchise operations.

As your business grows, you can rely on us for a wide range of leading-edge financial services solutions, including robust Treasury Management services, business-to-business solutions, sophisticated online reporting, and extensive employee services.

Have a Cash Flow Conversation

Our PNC Bankers are eager to listen to your story because every retail business or restaurant is different. We want to hear about how your business operates, where you want to take your business, the opportunities and challenges you face, your aspirations and what drives you.

Get the details on cash flow solutions and retail-oriented products and services we offer to help you run your business more efficiently and effectively.


Contact Information

Call Us 1-800-PNC-7908

We're available to discuss opportunities and answer your questions:
Monday through Friday
7:00 a.m. to 10:00 p.m. ET
Saturday and Sunday
8:00 a.m. to 5:00 p.m. ET

Tools and Resources

Business Insights eNews for Retail Businesses

April/May 2016

Advice for New Retailers

Four Tips for Flash Sales

Strategies to Support Your Local Community

Read Articles

February/March 2016

3 Tips to Develop a Habit of Employee Appreciation

A Guide to Launching Your New Online Store

What to Know About the State of Retail

Read Articles

Smart Business Special Edition, Sponsored by PNC

Built to Last: Retail and Restaurant Leaders Share What it Takes to Win

PNC clients Sharon McGinnis Young, Noreen McGinnis Campbell and Bonnie McGinnis Vello have in the past three decades quadrupled the size of their Pittsburgh-based supermarket, McGinnis Sisters Special Food Stores, and expanded it to three locations. Committed to the Greater Pittsburgh region and to their family business, these community leaders now inspire the third generation of McGinnis entrepreneurs to take over this thriving enterprise.

Read their featured story »

See What Else You'll Find inThis Edition:

Time to Recharge
Russ Reynolds led the way on a supply chain makeover at Batteries Plus Bulbs.

On Top of His Game
How Stefan Richter manages fame and his growing chain of restaurants

Understanding EMV
EMV(Europay, Mastercard® and Visa®) cards are embedded with an electronic chip that contains the customer account information that would typically be stored in the card’s magnetic stripe.

Read more about how other retail and restaurant industry business leaders are driving success.


What to Know About the State of Retail

Duration: 0:4:00
continue growing exponentially over the next five years. But according to a recent report from customer-service specialist TimeTrade, total online sales will still be a fraction of the 5 trillion dollars that U.S. shoppers are expected to spend in physical stores by 2020. This podcast reviews some highlights of TimeTrade’s report titled "The State of Retail 2015."


How to Recognize and Act on Trends

Duration: 0:4:57
We’re bombarded with information on a daily basis, but little of what comes our way is truly critical or relevant to our lives, professionally or personally. That said, significant and impactful long-term trends are relatively easy to spot and monitor. This podcast offers a few tips to help you recognize and leverage these lasting trends.


Smooth Out the Cash-Flow Crunch

Duration: 0:4:42
As a business owner, you’re well aware that cash is king. Depending on what type of business you’re in, however, you may have less predictable cash coming in. This podcast explores steps you can take to manage your cash-flow swings.


Browse All Podcasts »

Meet Mike

Clover® Station provides an innovative solution to grow your business.


"Clover makes my day less stressful because I'm able to understand how our business is doing every day."

- Mike, owner, The Office Coffee Shop

Associated Products & Services

Transform Payments Data into Sales & Customer Insights

Whether you want to find new customers, improve your marketing or understand how other local businesses are doing, Insightics® will unlock key data to help you grow your business.

Learn More »

Remote Check Deposit

DepositNow® clients use a desktop scanner located at their office and then transmit these images to PNC for processing, without making a trip to the bank.

Learn More »

Earn 25,000 bonus points

When you open a PNC points® Visa® Business Credit Card and make $3,000 or more in qualifying purchases during the first 3 billing cycles following account opening.

Learn More »

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.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

CFO: Cash Flow Optimized and Cash Flow Insight are service marks of The PNC Financial Services Group, Inc.

Merchant Services provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of The PNC Financial Services Group, Inc.

DepositNow is a registered trademark of Fundtech, Inc. Eligibility for DepositNow is subject to bank approval and a PNC business checking account is required to use DepositNow.