Irwin Bank and Trust
  17 May 2008

For Every Milestone or Financial Need, Irwin Bank Has A Commercial Loan Just for You.

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 ...

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 subsidize your 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.

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

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:

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:

  • Small Business Administration (SBA) Loans
  • Pennsylvania Industrial Development Authority (PIDA)
  • Pennsylvania Economic Development Funding Authority (PEDFA)
  • Urban Redevelopment Authority (URA)
  • Pennsylvania Emergency Management Authority (PEMA)

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.

Letters of Credit

Irwin Bank can secure payments to shippers of goods on your behalf and provide bonding 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.