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Lending Built for Local Business

Business Lending

Flexible financing tailored to your business. From working capital to equipment and real estate, we know you and your business needs.
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We're Here for Your Business

3Rivers supports local businesses with lending solutions designed around your goals. Whether you're managing seasonal cash flow, investing in equipment, expanding your real estate, or growing your team, we have solutions designed with you in mind. 

Explore Your Options

Business Lending Solutions

3Rivers offers a complete range of lending products streamlined and simple. Find the right financing solution for your business.
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Lines of Credit

  • Flexible operating lines of credit support working capital and cash flow for your business 
  • Draw funds when needed; pay interest only on what you use 
  • Flexible repayment aligned to your business cash flow cycle 
  • Quick local approval with streamlined process 
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Term Loans

  • Short or long-term equipment, fixed asset, and permanent working capital loans 
  • Loan terms structured to match asset useful life and your business needs 
  • Fixed rates providing budget predictability and planning certainty 
  • No prepayment penalties for flexibility as your situation changes 
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Real Estate & Build

  • Real estate and construction loans structured to fit useful life and construction cycles 
  • Construction draws aligned to building phases and project milestones 
  • Real estate financing for commercial property purchase and refinancing 
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Vehicles & Equipment

  • Finance all types of vehicles your business may need for daily operations 
  • Flexible short or long-term financing matching your asset depreciation timeline 
  • Competitive rates with streamlined, fast local approval process 
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SBA & CDC Programs

  • Small Business Administration 7(a) loans for acquisition and working capital 
  • Community Development Corporation 504 financing for real estate and equipment 
  • Expanded options for qualifying businesses meeting program requirements 
  • We partner with these resources to help meet your business needs 

Standard Advantages Across All Products

Every Business Loan Includes

All 3Rivers business lending includes access to tools and services designed to support your business success and growth.

Local Decision-Making

Loan decisions made by Fort Wayne team, not distant corporate committees.

Streamlined Process

Simple, straightforward lending process designed with your business in mind.

Industry Expertise

Experienced bankers who understand your industry and business challenges.

Transparent Terms

Clear lending terms with no hidden fees or surprise charges ever.
Streamline Your Business Finances

Business Credit Card

3Rivers Business Mastercard® features a low interest rate, competitive rewards program, and easy online access to manage all business expenses.
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Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

Call Us

Reach our knowledgeable team anytime.
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Visit a Branch

Stop by any of our 24+ locations.
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Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.
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