Whether you are investing in a piece of equipment or need capital to grow, our loan officers can help you finance it.

Real Estate Loans

We offer a wide variety of real estate loan options to help you buy or refinance commercial real estate based on your specific needs. So, whether this is your first rental property purchase, you finally found that perfect store front for your business, or you are looking to get a revolving credit line to help you renovate your next flip home, let us put our flexible financing to work to help make your dream a reality.

Commercial Line of Credit

As a functioning business, you may need extra capital to assist you with your operations throughout the year. An operating line of credit can help you to float your accounts receivable or even cover your payroll throughout the slow season. We offer lines of credit secured by equipment and real estate. Richwood Bank can help you decide if a line of credit is right for you.

Commercial Equipment

Need to add to your fleet of trucks or finally replace that excavator that keeps giving you trouble? Buying new from the dealership or used from a private party? From trucks and lawn tractors to skid steers and semis we can provide financing to you to get the equipment you need now so your operation can continue to run smoothly.


New equipment can be costly. When you lease, you can use your equipment for a specific period of time at fixed rental payments, and upgrade or add equipment when you need to. Whether you need to replace your office equipment, add a new firetruck to your fleet, or even add a building to your location our team can help you customize a lease to fit your needs.

Meet Our Commercial Lending Team


Mike Karcher

When making such a big decision why not work with the best? Mike Karcher is our Chief Lending Officer. He is “The Man” of lending. He has been in lending for 22 years! Mike is extremely knowledgeable on loans. He will work with you throughout the whole process. He understands that considering making a purchase there may be lots of questions and some hesitation. This is where his experience will help you!

Lindsay Smith

You may look at Lindsay’s photo and think that she’s the girl next door, but don’t be fooled. As a dedicated loan officer at our Delaware Branch, she is a loan advising maverick.

Lindsay knows it’s more than a loan. She understands that making a big life decision can be pretty scary, but she’ll be with you every single step of the way. From thinking about a possible loan, to opening the door of your new store or business.


Joel Kain

Personalization is key with Joel. When making big decisions in your life and business, you likely want to work with someone who aims to understand your personal needs and how your business operates from top to bottom - If that’s the case, Joel is your guy. He strives to treat every customer like a person, not a number. From lending needs for small and large businesses to Personal Real Estate Lending needs, Joel has 24 years of experience in banking and brings in-depth knowledge to help a variety of customers succeed.

When he’s not chatting it up with our awesome Richwood Bank customers, Joel can be found spending time with his wife, Heather, and their five kids or coaching baseball, volleyball, and soccer.

Jonathan Gummel

As a lifelong central Ohio resident, Jonathan knows that this is a special place to call home. He takes great pride in serving the local businesses that call central Ohio home too. Whether you are opening your doors for the first time, or you have long been a staple in the community, Jonathan is the lender for you as a trusted and friendly advisor. Because he knows that our community is only as strong as our local businesses, and the men and women who serve alongside them.

We can make your dreams affordable!

Reach out to us by filling out this quick and easy form!