Commercial Loans

Equipment Loans

Term loans structured to finance your business equipment needs.  Finance up to 100% of equipment costs over variable terms of up to 10 years.

Working Capital Loans

Line of credit or permanent working capital to help you get through your cash conversion cycle.

Operating Lines of Credit

Get through those tough times and avoid cash flow issues with an operating line of credit.

Business Manager

Accounts Receivable financing for increased cash flow to fund growth.  Receive a higher advance rate on your receivables than a standard line of credit.

Agricultural Loans

Farm properties, crop, livestock, machinery, equipment and implements.

Commercial Real Estate

Let us help you finance the purchase or construction of a new building. Competitive terms available for up to 20 years.

SBA Loans

Small Business Administration loans help strengthen a loan that may not qualify under traditional bank financing due to equity or purchasing a new business.

Partner Buy-In Loans

We are willing to finance the buy-in of new physicians to a practice. We will tailor the loan to meet the individual needs of the physician.

Business Purchase Loan

We specialize in creative financing allowing you to get the best terms available in a structure that will match your cash flow. We also have access to several SBA products.



Online Banking

Did You Know?

You can deposit checks online using a scanner. You can deposit checks online.
Learn more

Dept. Contacts

Laurie Carr
Vice President
Private Client Services
(765) 973-4296
(800) 548-8138, ext. 296

Bill Glunt
Vice President/Commercial Lending
31 North 9th Street
Richmond, IN 47374
(765) 973-4292
(800) 548-8138, ext. 292

Craig Lichtenberger
Vice President/Commercial Lending
31 North 9th Street
Richmond, IN 47374
(765) 973-4311
(800) 548-8138, ext. 311

Melissa Matney
Vice President/Commercial Lending
31 North 9th Street
Richmond, IN 47374
(765) 973-4250
(800) 548-8138, ext. 250

Austin Schultz
Vice President/Commercial Lending
1835 Marketplace Blvd.
Shelbyville, IN 46176
(317) 398-1000

Randy Smith
Vice President/Commercial Lending, Special Assets
31 North 9th Street
Richmond, IN 47374
(765) 973-4283
(800) 548-8138, ext. 283

Paul Witte
Sr. Vice President
Commercial Lending and Leasing Manager
31 North 9th Street
Richmond, IN 47374
(765) 962-2581, ext. 515
(800) 548-8138, ext. 515

Note: Please do not include any personal or account information when submitting an e-mail. E-mail messages are not encrypted. If you need to give personal or account information, please telephone us or stop by one of our convenient locations.