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Business Lines of Credit

Business Lines of Credit

A PCB line of credit offers quick, simple access to financing for our commercial and agribusiness customers. It is a proactive measure business owners can take to provide peace of mind in day-to-day management or dealing with unexpected expenses.

It is there when you need it; a flexible, revolving line to help manage growth while knowing you can weather any change or opportunity. Make interest only payments on what is used, and as you pay down the balance, funds become available to draw again for things like:

  • Payroll
  • Inventory, livestock, or general operating expenses
  • Repair, renovation, or expansion
  • Seasonal fluctuation or emergency funding
  • Equipment or infrastructure
  • Debt refinancing
Keep your operation running smoothly with added liquidity. The line can be used for whatever your business or farm might need, the choice is yours.

Additional Benefits

- Competitive Rates -
A line of credit offers a lower interest rate than a traditional credit card.

- Flexible Repayment Terms -
The line is customized to best meet your unique needs.

- Sweep Capability -
Link to a PCB deposit account to easily pay down interest costs or provide overdraft protection.

- Easy Access to Funds -
Simply transfer funds from your line to a PCB deposit account to cover expenses. Or, PCB can issue a cashier’s check for your convenience.

- Local Decisioning -
Decisions are made locally, and your loan officer is easily accessible to answer questions or concerns regarding your line or additional business needs.

Your Business Partner for Generations

Since 1925, PCB has served as a partner to businesses and farms throughout West Virginia, Virginia and surrounding areas. As a community bank, we are flexible and provide customized solutions based on your unique business needs. Our lenders are local and easy to reach. Your success is our success, and we are here to create a great banking experience with you every step of the way.