Business – Loans


Farmers & Merchants State Bank offers a full array of credit and loan options for business customers. Our Commercial Lending Department is dedicated to providing the best in timely service to compliment our highly competitive products. Loan and credit products are flexible as we strive to meet your individual needs. Some of the most common business loan products we offer are:

Lines of Credit

Farmers & Merchants State Bank can provide your business with a line of credit to finance short-term operating expenses, purchase inventories, or finance accounts receivable.

Equipment and Asset Financing

When the need for new equipment arises, come to Farmers & Merchants State Bank. We offer loans for acquisition of equipment at competitive rates. As always, all decisions are made in the shortest time possible, allowing you to get back to business.

Commercial Real Estate and Construction Loans

Whether your business is new or expanding, Farmers & Merchants State Bank can assist you. We offer competitive rates and our professional staff can process your request quickly, saving you time and money.

SBA Loan Program

Farmers & Merchants State Bank works closely with the Small Business Administration to offer products to business customers who may be better served by the SBA 7(a) loan program or the SBA 504 loan program.