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.


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

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Visit Us

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Tools and Resources

Business Insights eNews for Retail Businesses

Business Insights eNews is a monthly online eNewsletter brought to you by PNC Business Banking.

Browse the online issues for articles covering better business management, sales and marketing ideas, and what's trending, as well as access to PNC Webinars, Podcasts and a variety of resources to help your business grow. Subscribe to Business Insights eNews to automatically receive email notification when a new edition is available.

Subscribe today

Late October 2015

Need a Loan?

Tips for Developing a Black Friday Game Plan

Appeal to the Senses to Affect Sales

Read Articles

Early October 2015

5 Potential Safety Leaks

How to Plan for the Holidays — Now

Book Review: Derek Irvine and Eric Mosley's The Power of Thanks

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.


Tips for Developing a Black Friday Game Plan

Duration: 0:4:17
Black Friday as we now know it was created by and for the big-box stores. But that doesn’t mean smaller retailers need to be left out in the cold during the official kickoff of the holiday shopping season. With the right strategy, you can pull some of that increased traffic into your store and turn those discount-focused shoppers into long-term customers.


How Much Does Free Cost?

Duration: 0:3:32
Everyone likes the idea of getting something for nothing, so splashing the word “free” across a page is a surefire way to get customers’ attention. The downside, of course, is that everything you give away will cost you something. This podcast explores how to make free promotions work for both you and your customers.


Improving Cash Management

Duration: 0:4:28
Cash is the grease that keeps businesses running smoothly, but cash flow is an ongoing concern for many small business owners, despite recent upticks in the economy. The good news is there’s a solution for that.


Stay up-to-speed on best practices and the latest industry tends. Learn insights and knowledge on industry-specific hot topics and banking strategies.
Browse All Podcasts »

Associated Products & Services

Payment Processing Solutions Designed for Retailers and Restaurants

For owners of retail and restaurant businesses, the question usually isn't whether or not you will accept credit and debit cards, EBT and gift cards, and loyalty cards.  Instead, it's more about who will you work with in the processing and management of these types of payments?

Learn More »

Remote Check Deposit

DepositNow® is a cash flow solution for processing receivables faster; it is an efficient and cost-effective way to accelerate the deposit of checks into a business checking account. Clients use a desktop scanner located at their office and then transmit these images to PNC for processing.

Learn More »

Cash Flow Insight℠

Efficiently manage your business's cash flow all in one place. Easy-to-use online financial management experience that reduces paper by automating your invoicing and bill payments online and saves time by syncing your receivables and payables data with your accounting software.

Learn more about Cash Flow Insight »

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 BServ, Inc. Eligibility for DepositNow is subject to bank approval. Customer must maintain a PNC business checking account to qualify for DepositNow.