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Business Lending

Business Lending

3Rivers is proud to support many of the businesses that make our community one-of-a-kind. We offer a wide range of lending solutions that can help elevate your business’s performance and are committed to making our business lending processes streamlined and simple, getting to know you and your business, and offering services tailored to your needs.

Our team of experienced bankers—some prior business owners themselves—are all active in our community and its economic development efforts.

Our business lending solutions include:

Business Lines of Credit

Flexible operating lines of credit support working capital and cash flow.

Business Term Notes

Short or long-term equipment, fixed asset, and permanent working capital loans.

Real Estate and Construction Loans

Real estate and construction loans structured to fit useful life and construction cycles.

Business Vehicles

We finance all types of vehicles your business may need. These loans carry flexible short or long-term financing.

Business Credit Cards

Our Mastercard® features a low interest rate, competitive rewards program, and easy online access to manage expenses and view activity. You can also request additional cards for designated employees or officers at no cost.

Small Business Administration (SBA) & Community Development Corporation (CDC) Financing Programs

We often partner with business lending resources and programs to help meet our members' business needs. Learn more about how these organizations can help.

3Rivers Business Mastercard®

3Rivers Business Credit Card

3Rivers is proud to offer a 3Rivers Business Mastercard® credit card that pays you cash when you use it! This no-cost, low-rate rewards credit card1 offers convenience and security for your business and your employees. Should you need additional credit cards for other officers or employees, we offer three flexible options to meet your business needs. Plus the 3Rivers Business credit card is equipped with EMV chip technology to help keep your business and purchase information more secure.

For West End Credit Cardholders, log into your account and make payments here.

The 3Rivers Business credit card lets you choose between cash back2, merchandise, gift cards, and travel. 3Rivers makes it easy and gives you all the rewards in one easy-to-use card.

Contact a 3Rivers Relationship Team Member or Business Team Member to apply.


  • 1 point for every dollar spent
  • Cash back option on earned rewards used in the the form of statement credits
  • Redeem points for everyday business expenses to help with travel costs, to reward employees, or to entertain clients
  • Rewards are redeemable through UChooseRewards either by employee or cumulative as a business
  • Account is automatically enrolled in rewards program
  • Discover more about your Mastercard's core benefits.

Convenient & Flexible Payment Features

  • Consolidated or individual pay card options
  • Payments can be made over time with interest


1The APR as of 07/01/20 is as low as 10.95% and is based on cardholder’s creditworthiness but is subject to change if rates increase due to change of index. There is no annual fee and no balance transfer fee for the 3Rivers Business Mastercard credit card.
2The earning cash back is equal to 1 point for every $1 transferred or purchases made with the 3Rivers Business Mastercard. Cash back is not redeemable by way of cash or check, but in the form of statement credits. Rewards can be redeemed at
All offers may end at any time without prior notices.

Mastercard Platinum Credit Card

Last updated: 10/1/2020
Perk Description
Annual Percentage Rate1 As low as 10.95% APR1
Minimum Finance Charge NONE
Annual Fee NONE
Grace Period If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.
Cash Advances 3%
Balance Transfer Fee NONE
Over Limit Fee NONE
Late Payment Fee $25.00 if payment is more than 10 days late
Method of Computing Balance Average daily balance including new transactions

Apply for a 3Rivers Platinum MasterCard

1No annual fee. Annual percentage rate and credit limit based on credit analysis and evaluation.

Business Mobile App

3Rivers Mobile Banking

As a business owner, you may not always have the time to stop into a branch or log-on to your desktop to take care of your money matters. Our 3Rivers Business Mobile App gives you the ability to manage your business’s finances anytime, anywhere. Check balances, transfer funds, deposit checks, and more with just a few clicks!

Learn more about Our Business Mobile app features

Business Resources

Are you an entrepreneur? If you're thinking about starting your own business, there are a lot of questions to ask yourself and plenty of decisions to make. Here are some resources to help you get started. 

Indiana Small Business Development Center

Developing a business strategy, needing additional information or research? The Indiana Small Business Development Center offers a sundry of free services including research and development databases that can assist in establishing your business, developing projections, export assistance, and business valuation.

Visit them at:

SCORE Fort Wayne

Success starts with a solid business plan. Whether you're looking for assistance with your plan or already have one, make sure you’re on the right track. Mentors at SCORE Fort Wayne have experience in over 62 industries and are willing to share their experience with you. On their website you'll also find free tools, counseling, and workshops aimed at helping you succeed in business.

Visit them at: 

Small Business Administration

If you're starting a small business and want more information on SBA (Small Business Administration) loans, the SBA website is a great place to investigate your financing options and find informative content to help answer other business questions.

Visit them at:

Other Resources


Photo of Heidi Colone
Heidi Colone
Business Community Relationship Manager

NMLS #1000376  |  P: 260.487.3404  |  E:

Heidi Colone has worked in the financial industry for over 10 years in various roles and business facets.  Her expertise is providing innovative financial solutions for both businesses and consumers. She is inspired by cultivating relationships, which can develop into a valuable resource for members.

Her true passion is corporate social responsibility, providing betterment to our communities.  She serves on the board for the Fort Wayne Base Community Council, Big Brothers Big Sister of Northeast Indiana, and the Community Foundation of Greater Fort Wayne Summit Initiative Foundation.  She has also served for Young Leaders of Northeast Indiana (YLNI) as the Chair for 2014 “Let’s Give Allen County” and Chair for the 2015 “My City Summit.” She was also a “40 Under 40” award recipient in 2015.


Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.

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Photo of Mike Sinish
Mike Sinish
Business Community Relationship Manager

NMLS# 1195309  |  P: 260.487.3403  |  E:

Mike joined 3Rivers Federal Credit Union in February 2014. His primary strengths are listening to his members and providing products and services that fit their financial needs and expectations. He believes that focusing on the “lost art” of customer service, consistently following up, and building lasting relationships are essential to earning his members’ trust and business. Mike is eager to find solutions and convenient products that improve members' financial security while saving them time and money. 


Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.

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Photo of Mark Hartman
Mark Hartman
Commercial Lender

P: 260.487.3384  |  E:

Mark Hartman was born and raised in Fort Wayne. With 15 years of commercial lending experience – including both underwriting and sales – he excels at structuring plans that fit our business members’ needs and expectations.  As a trusted advisor, his ability to evaluate the financial standing of our members – collaborating with them in order to discover their needs for growth – ensures they receive genuine service and solutions, customized to their unique financial picture.

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.

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Photo of Kristin Smith
Kristin Smith
Business Relationship Manager

P: 260.487.3396  |  E:

Kristin Smith is a born-and-raised Fort Wayne native. A graduate of Northrop High School, she went on to continue her studies at Indiana Tech, where she earned both a Bachelors and Masters of Business Administration. With nearly 10 years of financial industry experience, Kristin remains driven and passionate when it comes to her role at 3Rivers. She is committed to learning about her business members – better understanding their businesses’ unique operations – in order to provide them with exceptional service.


Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.

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