Business Loans

Lending Solutions for Local Business Owners

Farmers & Merchants State Bank believes local businesses are the backbone of the communities we serve. Our local merchants employ people in our community, and make contributions to support our community. We believe in providing the same support to our business owners, which is why we offer a variety of business loans to help finance the growth of your business.

revolving lines of credit

There will be peaks and valleys to your cash flow throughout the year. This financing option helps you maintain short-term liquidity, and usually has terms of less than one year. Loans can be secured with assets like inventory and accounts receivable.

term loans

Get the financing assistance you need to cover the costs related to permanent capital financing or bringing new equipment into your office. Available with longer terms, term loans are often secured by current equipment or real estate.

Business construction & commercial real estate loans

If you’re business has outgrown its current space, Farmers & Merchants State Bank has a lending solution for you. You can build a new space using a business construction loan or move into an existing space with a commercial real estate loan. Both options offer flexible terms and amortization schedules.

small business administration loans

Designed to help business owners overcome some of the startup costs associated with starting a business, Small Business Administration (SBA) loans offer lower down payment requirements and smaller monthly payments with fixed-rate financing. We offer SBA 7(a) and SBA 504 loans.

Inquire About a Business Loan Today

All lending decisions at Farmers & Merchants State Bank are made locally. If you need a loan for your business, start the process by filling out our business loan inquiry.