Description Irwin Financial banks on small business. Its commercial banking operations include Irwin Union Bank and Trust Company and Irwin Union Bank, which together operate more than 30 offices. About half of them are in Indiana; the rest are scattered mainly throughout the Midwest and West. Catering to consumers and small businesses, the bank offer a variety of banking products and services, including deposits, mortgages, personal and commercial loans, credit cards, and trust and investment services. Irwin Financial also provides financing to fast food restaurant franchisees.