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


Kent Kramer

When making a decision on a loan Kent Kramer knows that it can be a life changing move. Why not work with someone that has been in the business for 20 years. Kent is the kind of person that helps make this a smooth process. He will work alongside you from start to finish. Kent has his degree in Ag Engineering with minors in Psychology, Philosophy and Horticulture.

Todd Hoffman

When working with someone on the loan process, it is a better experience when it’s with someone that is down to earth and easy to talk to. You also want them to understand your individual needs. Todd is your officer! He is someone that will do what it takes for his customers and that could be you. Call or email him today for an appointment.

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.

Kyle Feucht

Sometimes you need to work with someone who understands where you’re coming from. Someone who understands your needs and has the expertise to make your agriculture growth goals a reality. Born and raised in Marysville, Kyle Feucht is your local and trusted Loan Officer. He is straight forward, honest, and is willing to go to great lengths for his customers, which is why he is such an asset to our Lending Team.

When he’s not busy assisting customers, he serves on the Delaware County Farm Bureau Board, Benefit in The Barn committee, and helps lead the Young Ag Professionals group in Delaware County. He graduated from The Ohio State University with a degree in Agribusiness and Applied Economics; so he’s your guy when it comes to Agricultural Loans. Kyle is always available to speak with customers, so don’t hesitate to contact him!


Mike Waddell

Michael Waddell is the Sr. Commercial Lender and joined Richwood Bank in November 2021. Michael brings 20+ years of banking experience & 15+ years of commercial lending experience in the Central Ohio market to Richwood Bank. He works with local businesses and real estate investors to help them build wealth, manage their cash flow & working capital, and helps them grow their business through bank financing. Michael holds a Business Management degree from Mount Vernon Nazarene University. Michael has a passion for sports and the life lessons that they provide. He coaches a high-level travel softball team that assists with the college recruiting process and also serves as President of his local Athletic Boosters club and Treasurer of Berliner Action Team for Sports.

Alexis Grimm

Alexis has been with Richwood since 2019, she started as an ABM at the North Limestone location during the acquisition from HCFB. During this time, she has been promoted to Business Development officer, Branch/Sales Manager and recently the new Commercial lender. Alexis brings 13 years of banking experience to the Springfield Team; she is also a lifelong resident of Clark County and takes pride in her community. Alexis currently serves as Treasurer for Project Woman of Clark and Champaign County. Alexis enjoys weekends with her Husband watching their son race motocross.

Becky Hoffman

Trent Thompson

I am in my first year as a Commercial Portfolio Manager, but have around 3-4 years of lending experience at Richwood Bank with previous roles in Loan Administration and Commercial Underwriting. My specialty has been some of the smaller real estate, equipment, and vehicle commercial loans, although I help wherever I am needed. I obtained my Bachelor of Business Administration and Master of Business Administration from Franklin University. Outside of the Bank, I am also involved with the North Union Wrestling team as the Head Middle School coach.

Alexis Johnston

We can make your dreams affordable!

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