Cash Flow Strategies
Take control over what’s in,
what’s out and what’s possible for your business.
Cash flow is the lifeblood of your business. Make the most of it.
This is a different kind of banking experience tailored by you. It starts with a one-on-one cash flow conversation to learn about you and your business in order to create a comprehensive banking relationship that can help you achieve your business and personal goals — by giving you the ability to effectively and continuously make the best use of your cash flow.
Accelerate Receivables: Make it easy — for your customers and yourself
Accelerate Receivables
Giving your customers more ways to pay is good for business, and so is getting cash into your business faster. Consider all the opportunities to Accelerate Receivables by optimizing how you receive and direct incoming cash.
Featured Solutions
Track money coming in and money you expect to receive. Automate invoicing, view payment activity and schedule reminders.
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Get next-business-day funding[1] on payment transactions while giving your customers more ways to pay with credit cards, debit cards and attractive gift card programs.
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Deposits Made Easy
Save yourself a trip to the bank with PNC Remote Deposit. Simplify your deposit process with DepositEasy℠ ATMs, mobile deposit and PNC Bank business deposit cards.
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Cash Management Solutions[2]
Gain better control over incoming cash, help mitigate risks associated with managing customer payments, and add online efficiency by transitioning from paper to electronic.
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Improve Payment Practices - Better Control and Manage Your Business Payments
Improve Payment Practices
Better manage your relationships with suppliers and vendors by streamlining your payment processes—through increased control and visibility over outgoing cash.
Featured Solutions
Stay ahead, in control and organized with an online To Do list to keep up with what you need to pay and when you need to pay it.
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Stop writing checks, paying for stamps and making trips to the post office—start experiencing the ease and savings of Online Bill Pay for your business.
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Card Payment Solutions
A comprehensive suite of payment cards to help you better manage spending and increase efficiencies.
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Cash Management Solutions[2]
Gain better control over outgoing cash, help mitigate risks associated with your payments to suppliers and add online efficiency by transitioning from paper to electronic.
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Previous: Accelerate Receivables Next: Monitor & Project Cash
Monitor & Project Cash - Better Insight Into Decisions and Managing Risk
Monitor & Project Cash Flow
Gain insight into your cash position and leverage detailed information to make better-informed decisions. An array of online cash management solutions is available specific to the needs of your business.
Featured Solutions
Easily visualize and project your cash position with a suite of user-friendly online tools designed to help you learn from past performance and plan for what’s ahead.
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Mobile Banking
Stay in touch with your cash position and manage your cash flow from almost anywhere with PNC Mobile Banking.
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Check on your cash, transactions and payment status anytime online — for self-service account management and knowing what’s possible every day.
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PINACLE®[3] Express and PINACLE®
Secure, one-stop access to all of our online Treasury Management services. Sign on once to quickly and efficiently manage your cash management processes.
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Previous: Improve Payment PracticesNext: Pursue Financial Well-Being
Pursue Financial Well-Being - Cash Flow to Achieve Your Short and Long Term Goals
Pursue Financial Well-Being
Capitalize on opportunities to effectively use your cash to help achieve your business and personal goals. Manage your cash flow to meet business needs without sacrificing liquidity. Plus we can refer you to PNC resources for your personal investment planning needs.
Featured Solutions
Better understand current and projected cash flow available for your business, and your personal retirement.
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Enjoy interest-earning potential in one convenient account. Plus, with tiered rates based on account balances, your interest rates can increase as your balances grow.
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Business Sweep Checking[4]
Ensure daily liquidity and enjoy immediate access to investment balances with an automated cash management tool that can help you make the most of your idle cash.
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Retirement and Investment Planning
Discover ways to effectively use cash for personal and employee retirement, and for reaching investment goals. Work with PNC resources for your planning needs.
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Previous: Monitor & Project CashNext: Ensure Access to Credit
Ensure Access to Credit - Better Insight Into Decisions and Managing Risk
Ensure Access to Credit
Think strategically about your need to borrow and your larger capital needs. Leverage insight into your cash flow so cash shortfalls don’t slow you down. Ensure Access to Credit through financing solutions tailored to your business.
Featured Solutions
Project cash shortfalls weeks before they happen. Cover them with our business line of credit options to meet your specific cash flow needs.
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We have options that can be tailored to your specific cash flow needs, offering a flexible way to help ensure you have access to cash during periods of growth or cash shortfalls.
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Business Credit Cards
Payment card options packed with benefits—global acceptance, fraud and purchase protection, and the opportunity to earn valuable travel discounts, rebates and rewards.
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Customized Financing
Capitalize on business opportunities while staying mindful of your cash flow needs with installment and term loans, commercial real-estate financing and vehicle loans.
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We're Here For Your Business
Our wide array of products, services and solutions can help your small business to achieve more.
Checking Solutions
Features and services tailored to your everyday transaction needs to provide the right foundation to take your business to the next level.
Cash Flow Insight®
An innovative suite of online tools for seeing your business’s cash flow like never before.
Accepting Card Payments
With PNC Merchant Services®, you have a dedicated team to help you discover the right payment acceptance solutions.
News & Insights
Insights and ideas to help you get the most out of your day and keep your business moving forward.
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Important Legal Disclosures and Information
Except as is otherwise set forth in your agreement for merchant services, your funds for MasterCard, Visa, Discover, PayPal and American Express transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions). If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day. Business day means Monday through Friday, excluding Federal holidays.
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Cash Management Services are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ACH services require credit approval.
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PINACLE® is a registered trademark of The PNC Financial Services Group, Inc. Transaction fees may apply. ACH services require credit approval.
You may not make more than a total of six (6) transfers each statement cycle from a savings or money market account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of-sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in your Business Money Market account being changed to a Business Checking account, which will be subject to the features and fees as described in the Business Checking Account and Related Charges in effect at that time. We reserve the right to suspend enforcement of these transaction limitations, at our discretion.
Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.
Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight. Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc. U.S. Patent Nos. 10,402,910 and 9,965,808, and others patents pending
Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.
PNC and PINACLE® are registered marks of The PNC Financial Services Group, Inc. ("PNC")
BBVA is a registered trademark of BBVA, S.A. and is used under license.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.
