Irwin Bank and Trust
  9 May 2008

Irwin Bank's business relationship managers provide you with a single source contact for all your banking needs.

Available Services

  • Commercial Lending
  • Business Checking
  • Cash Management
  • Trust Services
  • Internet Banking
  • Business Check Card
  • Employee Benefit Plans

Certified Partners:

McBee
Payroll Services

  • Corporate Credit Cards
  • Merchant Processing
  • Investment Services
  • Accounting Systems
  • Payroll Services
  • Business Forms
  • Business Gift and Rewards Cards

Deluxe
Accounting Systems
Business Forms
Checks


Lending Decisions Are Made Locally. That Means
Fast Approvals, Flexible Terms And Great Rates!

Direct Lending/Term Loans

Irwin Bank can help meet your long-term business objectives. We have become the trusted financial partner to many of the area's leading businesses and growing organizations, and are proud to be part of their success. We offer competitive and flexible financing for ...

  • Business Acquisition & Expansion
  • Plant and Facility Investment
  • Refinancing
  • Equipment Purchase

Working Capital

To service your accounts payable, manage your cash flow, meet your seasonal financial needs, or to simply manage your money more effectively, Irwin Bank can provide working capital. We offer:

Lines of Credit with Overdraft Protection

Always be prepared for purchases or payments with a business line of credit. Your credit line may be secured or unsecured. Speak to your Irwin Bank representative about qualifying amounts and the added benefit of overdraft protection.

Asset-Based Lending

Turn the value of your accounts receivable, inventory, or equipment into financing for your business expansion or operations.

Corporate Credit Cards

Keep purchasing power at your fingertips with an Irwin Bank VISA® Corporate Card. Use for instant credit, travel expenses, or to keep track of employee expenditures.

Business Manager

Irwin Bank's accounts receivables purchase program provides you with immediate cash for your receivables.

Leasing

Leasing can be an attractive financing option for the purchase of your business equipment and company vehicles. You do not need to use your working capital to make a cash purchase, and may still obtain the tax benefits of accelerated depreciation and deductibility of lease payments.

Government Sponsored Programs

Access government-sponsored financing programs with Irwin Bank's assistance. We offer complete program information including eligibility requirements, then guide you through the application process. Here are a few of the programs available:

Construction & Real Estate Financing

If you are a contractor, a land developer, a business looking to expand, or an investor wanting to add to your real estate holdings, our commercial lending representatives have the expertise to assist you. Irwin Bank has helped numerous customers meet their financial needs for projects such as:

  • Strip Malls
  • Apartment Buildings
  • Owner-Occupied Buildings
  • Industrial & Office Parks
  • Business Expansions
  • New Home & Condo Developments

Letters of Credit

Irwin Bank can secure payments to shippers of goods on your behalf and provide letters of credit for land development. Irwin Bank can also guarantee payment on behalf of third parties acting as agents for other organizations, such as the State of Pennsylvania, for lottery and vehicle registration transactions.

Loan Programs for Non-Profit and Public Entities

Irwin Bank can develop a financing plan so you can take advantage of special programs, grants, and other funding sources designed for municipalities, school districts, churches, and public safety organizations.

Revision 12-05