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Business Lines of Credit

Business Lines of Credit

Welcome to PCB — Empowering Your Business Every Step of the Way

Whether it's navigating day-to-day operations or planning for future growth, at PCB we know that running a small business is an ever-fluid process. That's why we're excited to introduce our Business Lines of Credit, a versatile financial solution designed to give commercial and agribusiness owners in Virginia and West Virginia the flexibility and security they need. Explore how our line of credit can become a pivotal tool in your financial arsenal.


Why Choose PCB’s Business Line of Credit?

Our Business Line of Credit offers:

  • Quick Access to Financing and Funds: When you have a line of credit, you can access immediate financial support when you need it, allowing you to respond swiftly to business opportunities or unexpected expenses. Easily access your funds by transferring to your PCB deposit account or requesting a cashier’s check.
  • Peace of Mind: Our line of credit acts as a safety net, providing reassurance for day-to-day management and unforeseen circumstances.
  • Flexibility and Control: With a revolving structure, you have ongoing access to funds. Use it as you need it for a wide range of business purposes.
  • Interest-Only Payments: During your draw period, pay interest only on the amount you use. As you repay, the funds become available again, making it a smart, cyclic financial tool.
  • Sweep Capability: Link your line of credit to your PCB deposit account for convenient monthly interest payments and account overdraft protection.


Versatile Usage: Tailored to Your Business Needs

Our Business Line of Credit is designed to support a variety of needs, ensuring you have the liquidity to manage and grow your business effectively. Use it for:

  • Payroll management
  • Navigating cash flow fluctuations
  • Managing inventory, livestock, or general operating expenses
  • Funding repairs, renovations, or expansions
  • Addressing seasonal fluctuations or emergency funding needs
  • Investing in equipment or infrastructure
  • Refinancing existing debts


Partner with PCB for Your Business Growth

At PCB, we strive to be more than just your bank. We are your local partner, dedicated to seeing your business thrive. Our Business Lines of Credit can be a valuable tool in managing your expenses, investing in your business, and granting you the flexibility to make quick business decisions to support your growth. Whether you are located in Franklin, Harrisonburg, Bridgewater, or elsewhere in Virginia or West Virginia, we are here to support your business journey.

Ready to explore how our Business Line of Credit can benefit your business or farm? Reach out to our team today for personalized assistance and take the next step in securing your business’s financial future.



What is a PCB Business Line of Credit?

A PCB Business Line of Credit is a flexible financing solution. Like a credit card, you can draw on your line of credit as needed up to your borrowing limit, making low interest-only payments during the draw period. This line of credit is specifically-designed for commercial and agribusiness owners to manage growth, day-to-day operations, and unexpected expenses efficiently.

Are there any special benefits of choosing PCB for my line of credit?

Our line of credit offers competitive rates, flexible repayment terms, sweep capability for easy interest payments, convenient access to funds, and local decision-making for personalized service.

Can I link the line of credit to my existing PCB business checking account?

You can link your line of credit to your PCB business checking account for ease of access and management, including sweep capabilities and automatic payments.

What is the maximum amount I can get with a PCB Business Line of Credit?

The credit limit is determined based on various factors, including your business needs, creditworthiness, and financial history. Our loan officers can provide more specific information upon application.

How quickly can I access funds once my line of credit is approved?

After approval, accessing funds is typically quick and straightforward. You can transfer funds to your PCB deposit account, request a cashier's check from your local branch, or submit a request online, right through your PCB business banking portal.