Borrow

Borrowing is a big part of banking, and we’re here to be your financial partner for whatever type of financing or lending solutions you’re looking for.

Financing & Lending Options

Visit the Personal, Business, and Agriculture Specialists at Farmers & Merchants State Bank to talk one-on-one about how we can help you with:

  • Personal & Consumer Loans
  • Mortgages
  • Business & Commerical Loans
  • Ag Loans & Financing

Personal & Consumer Loans

When you need a financial hand in making a new purchase, look to our personal lending specialists, who can help you get the personal loan you need to help make your dreams a reality. Personal and consumer loans are good for buying a new or used vehicle, purchasing a boat or RV, improving your home, handling personal expenses and debt consolidation, and more. We know your goals are unique, so we offer a full line of solutions to help you get there. We also offer mortgage lending. Learn more by contacting your nearest Farmers & Merchants State Bank location.

Mortgages

From the traditional lot to the rural setting, Farmers & Merchants State Bank would be happy to help finance your home—even if it’s considered to be a non-traditional mortgage. We have many options and competitive rates for both first-time home buyers and those seeking their forever home. Get in touch with us to see how we can be part of the welcome home process.

Business & Commercial Loans

Our business lending solutions are as versatile as the many organizations we have helped finance over the years. Farmers & Merchants State Bank offers a full array of loans and credit products for flexibility and dependability. Some of them include lines of credit, equipment and asset financing, commercial real estate and construction loans, and SBA loan program fulfillment. We are dedicated to making decisions based on you, and not just numbers. You can expect fast, local decision making that helps you reach your business goals. Get in touch with our business and commercial lending specialists today.

Ag Loans & Financing

Many of our specialists in the ag department are farmers themselves, so we know that it’s important to have a lending partner who truly understands the business of waking up at dawn and working ’til dark. When you’re ready to upgrade equipment, purchase more livestock, or expand your operation one building at a time, we’re here to help you make it happen, as quickly as possible. Look to us for both experience as well as a full scope of solutions when it comes to lines of credit, equipment financing, real estate and construction loans, FSA guaranteed loans, Farmer Mac loans, and programs from the Rural Finance Authority. You can also visit our trusty DTN Portal here anytime for ag news, commodity futures/quotes, and local weather. Visit with a local ag lending specialist today to get where you want to go.

Meet Your Borrowing Specialists

Brad Aanstad

Brad Aanstad

Business Loan and Home Mortgage Specialist

Sauk Rapids
Email Brad

Eric Boser

Eric Boser

Agricultural Loan Specialist

Maurice “Mo” Durheim

Maurice “Mo” Durheim

Business & Agricultural Loan Specialist

Pierz
Email Mo

Luke Rushmeyer

Luke Rushmeyer

Business & Agricultural Loan Specialist

Sauk Rapids
Email Luke

Patty Schlichting

Patty Schlichting

Personal and Business Banker

Sauk Rapids
Email Patty

Linda Seppelt

Linda Seppelt

Personal Loan Specialist

Linda Thielen

Linda Thielen

Personal Banker

Eden Valley
Email Linda

Renee Weber

Renee Weber

Personal Loan Specialist

"

When I knew I was going on my own, I knew I needed a bank I could trust. Farmers & Merchants State Bank gave me answers within days. They've been excellent.

-Jason Lashinski, Owner of Lash’s Auto Repair

Let's Get Started

Questions? We’re ready for you. Come visit us in person or simply pick up the phone. We look forward to sharing the friendly Farmers & Merchants State Bank experience with you.
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