PNC

PNC Bank Business Banking for Growth Funding

PNC Bank serves businesses across the East Coast and Midwest with comprehensive banking services. Your PNC business accounts contain the transaction data that demonstrates your company's financial health. Founderpath connects to this data to provide funding based on actual performance.

Transaction Data Powers Funding Decisions

Traditional lenders want extensive documentation. Your PNC transactions tell the complete story:

What PNC Transactions Reveal:

• Actual revenue deposits, not projections
• Real expense patterns, not estimates
• True cash position, not snapshots
• Operational discipline signals

What PNC Data Analysis Shows

When you connect your PNC business accounts, we analyze:

Revenue Patterns

• Deposit frequency and amounts
• Customer payment consistency
• Revenue growth trajectory
• Collection timing patterns

Operating Expenses

• Recurring payment obligations
• Variable expense patterns
• Vendor payment practices
• Payroll timing

Cash Management

• Average daily balance trends
• Minimum balance maintenance
• Cash reserve practices
• Working capital position

Business Health Indicators

• Net cash flow direction
• Seasonal variations
• Financial stability signals
• Growth indicators

PNC Account Types We Support

PNC Business Checking

Standard business checking with full transaction analysis.

PNC Business Checking Plus

Enhanced accounts with comprehensive transaction data.

Analysis Business Checking

Higher-volume accounts with detailed analysis capabilities.

PNC Business Savings & Money Market

Include savings to demonstrate cash reserves.

How PNC Integration Works

Step 1: Select PNC Bank

Click "Connect Bank" in your Founderpath dashboard and choose PNC.

Step 2: Secure Authentication

Log in through Plaid with your PNC credentials. Authentication goes directly to PNC.

Step 3: Authorize Access

Confirm read-only access to transaction data. We cannot move funds.

Step 4: Automated Analysis

We calculate cash flow metrics within minutes.

Step 5: Receive Your Offer

Most offers arrive within 24-48 hours.

PNC + Other Data Sources

Strengthen your funding application:

PNC + Revenue Systems

• Stripe or Shopify shows revenue
• PNC shows actual deposits
• Together: verified revenue collection

PNC + Accounting

• QuickBooks or Xero for P&L
• PNC for actual cash flow
• Together: accrual vs. cash comparison

PNC + Payroll

• Gusto or ADP for team data
• PNC for payroll execution
• Together: burn rate validation

Security and Privacy

Plaid Security

PNC connections use Plaid:

• 256-bit AES encryption
• SOC 2 Type II certified
• Secure credential handling
• Regular security audits

Read-Only Access

Our connection cannot:

• Initiate transactions
• Move funds
• Modify account settings
• Access credentials

Your Control

Disconnect PNC at any time from your Founderpath dashboard.

PNC Funding: Traditional vs. Founderpath

Metrics That Drive Your Offer

Deposit Consistency

Regular deposits indicate reliable revenue. Patterns matter more than peaks.

Cash Runway

Months of expenses covered by cash. Higher runway improves terms.

Expense Discipline

Controlled expenses relative to revenue show sustainable operations.

Balance Maintenance

Consistent healthy balances demonstrate financial discipline.